*Estimated annual return on 3 year investment, after fees and credit losses, when using Autoinvest function.
**Maximum share of 3 %, with minimum amount of 20 €, of the equity is invested into one loan.
***During 2020 we will launch the Autosell function, that will allow the investment to be sold to another investor.
Past performance is not necessarily indicative of future results. All investments carry risk and all investment decisions of an individual remain the responsibility of that individual. All investors are advised to fully understand all risks associated with any kind of investing they choose to do.
The starting interest rate for all loans is 9,9 %. Due to the decreasing interest rate, customers who make their payments on time can reduce their rate down to 2,9 %, which makes our product very competitive. Well paying customer are lower risk to investors and for this the reason they deserve lower interest rate.
The interest rate starts at 9,9 % and decreases by 0,1 % points every month, down to 2,9 % when the instalment is paid on time.
If the payment is late, the interest rate will not decrease and stays on the level already reached.
After your investment you can sleep tight. Once you have opened the investment account and transferred the funds, you can concentrate on other projects and just enjoy the profit.
Please notice that the calculator’s 3,11 % annual return after fees and credit losses is based on an estimation for a well-diversified portfolio containing various loans with interest rates between 2,9 % to 9,9 %. Past performance is not necessarily indicative of future results. All investments carry risk and all investment decisions of an individual remain the responsibility of that individual. All investors are advised to fully understand all risks associated with any kind of investing they choose to do.
When investing in Fixura’s P2P-loans, we will always attempt to minimize the loan-specific risk. Our Autoinvest function will automatically diversify your funds into various investments available, so that a maximum of 3 %, minimum amount being 20 euro of your available capital is invested in one loan.
With this wide diversification we will assure, that the success of your portfolio does not depend on one loan. Because of this, your investment can be spread over hundreds, even thousands, of loans. If one loan ends up in debt collection, we will automatically sell the loan to a third part, for the price listed in the pricelist.
Calculated from the free capital at the moment for the investment
Calculated from the capital amount
*The amount invested in one loan is always the minimum of 20 €.
**The price at the moment when selling to a debt collection agency.
We have created a new revolutionary model for credit rating, which is based on machine learning as well as on the transactions of the loan applicants bank account. By categorizing the applicants bank account transactions, we can create a wide overview of their financial situation and payment behaviour.
With the experience for over 10 years, we know, that applicants’ payment behavious can change and the credit model should react to these changes quickly. Our machine learning based credit rating model reacts on changes in the application, but also in the payment behaviour on already granted loans.
The purpose of credit scoring is to identify risks involving payment behaviour and reduce our investors credit losses. This to ensure your invest is safe now and in the future.
Opening an account, depositing funds and investing is free of charge. This means that you don’t have to pay anything before your investment starts generating profits.
Fixura takes care of everything from marketing, granting loans to invoicing, this is the reason why we share the income from interest with you. When the borrower repays their loans, we earn together. We think this is fair.
To withdraw free capital from your account is free of charge.
Fixura shares the interest income with the investor
From free capital
Total amount mediated
Repayments to investors
Avg. annual profit (2010-2019)
Average loan size
Average loan term