SAVY Review 2026
SAVY: As of August 2026, SAVY reported 87.0% performing and 13.0% in recovery. Its regular statistics and local supervision are positives, but direct consumer-credit defaults materially affect liquidity and potential loss.
Overview
SAVY is a consumer P2P lending platform offering returns of up to 13%. Established Lithuanian consumer-loan marketplace with a credible regulatory profile and competitive yields, but still tied to borrower quality in a single domestic market.
SAVY – Key facts
| Evidence DD | 56/100 |
|---|---|
| Annual Returns | up to 13% |
| Risk | HIGH RISK |
| Regulation | ECSP · Bank of Lithuania |
| Lending model | In-house |
| Founded | 2014 |
| Minimum Investment | €10 |
Data last verified: · How evidence-led scoring works
How It Works
SAVY matches investors with consumer borrowers in Lithuania. Investors can build diversified portfolios manually or via auto-invest tools and earn interest as borrowers repay their loans over time.
Returns and Performance
SAVY offers average returns of up to 13%. Actual performance depends on your investment strategy and risk tolerance.
Regulation and Safety
SAVY is a Lithuanian consumer-loan platform authorised as a crowdfunding service provider under Regulation (EU) 2020/1503 by the Bank of Lithuania (authorised August 2023). Authorisation does not remove borrower-default or liquidity risk.
Pros and Cons
✅ Pros
- Long operating history
- ECSP-licensed local operator
- Consumer loans diversification
- Auto-invest available
⚠️ Cons
- Lithuanian market concentration
- Consumer-credit cyclicality
- Less passive than cash-style products
Fees
Investor fees depend on the specific product and secondary-market activity, but the core cost structure is relatively straightforward compared with more complex multi-originator marketplaces.
SAVY: Evidence-led due diligence score
56/100
As of August 2026, SAVY reported 87.0% performing and 13.0% in recovery. Its regular statistics and local supervision are positives, but direct consumer-credit defaults materially affect liquidity and potential loss.
- Capital performance & recoveries 2/10
- Transparency & evidence 8/10
- Operating history & resilience 8/10
- Governance & investor terms 7/10
A higher rank is not capital protection: every P2P investment can lose money. How evidence-led scoring works
FAQ SAVY
Is SAVY safe?
P2PRadar's evidence-led due diligence score for SAVY is 56/100. As of August 2026, SAVY reported 87.0% performing and 13.0% in recovery. Its regular statistics and local supervision are positives, but direct consumer-credit defaults materially affect liquidity and potential loss. A higher score is not capital protection: every P2P investment can lose money.
Is SAVY regulated?
Yes. P2PRadar lists SAVY as regulated (ECSP · Bank of Lithuania). SAVY is a Lithuanian consumer-loan platform authorised as a crowdfunding service provider under Regulation (EU) 2020/1503 by the Bank of Lithuania (authorised August 2023). Authorisation does not remove borrower-default or liquidity risk.
What returns does SAVY offer?
SAVY offers average returns of up to 13%. Actual performance depends on your investment strategy and risk tolerance. Advertised rates are not guaranteed: defaults, delays, currency effects, fees and taxes can reduce net returns.
What is the minimum investment on SAVY?
SAVY minimum investment: €10.
What fees does SAVY charge?
Investor fees depend on the specific product and secondary-market activity, but the core cost structure is relatively straightforward compared with more complex multi-originator marketplaces.
How does SAVY work?
SAVY matches investors with consumer borrowers in Lithuania. Investors can build diversified portfolios manually or via auto-invest tools and earn interest as borrowers repay their loans over time.
My Personal Experience
My Verdict
Established Lithuanian consumer-loan marketplace with a credible regulatory profile and competitive yields, but still tied to borrower quality in a single domestic market.
Ready to Start?
A higher rank is not capital protection: every P2P investment can lose money.
Register Now → SAVY