How It Works

DoFinance is a P2P lending platform that allows everyone to become an investor just by following these four easy steps:

  • Register
  • No registration fee
  • Simple form to register & confirm identity.
  • Gain access to information about all investment opportunities
  • There is no obligation to deposit funds in order to create an investor’s account.

Why invest with us?


Depending on your chosen investment plan, you can earn up to 12% annual return.


You can access your money at any time. If you decide to withdraw the invested money before the due date, you can receive your money starting from 14 days after your request with accumulated interest, depending on your chosen investment plan.


DoFinance offers a BuyBack guarantee for all loans. If the borrower is late with their loan repayment, the loan originator immediately pays you back the whole principal and accrued amount of interest.


DoFinance is an easy to use platform. You can choose your preferred Auto Invest programme or select investments manually from the listed loans. You can constantly monitor your investments and accumulated interest rates.


Any individual who is at least 18 years old can register on DoFinance.

No, companies cannot register with DoFinance.

You must be at least 18 years old, have a valid e-mail address, a bank account within the European Union, any other country of the EEZ or any country in Asia, which is not included in the lists of high risk and non-cooperative jurisdictions or is not subject of international sanctions. For complete registration you will have to provide a national identification card (scanned or photographed both sides) or passport (scanned or photographed).

There are no registration fees.

There are no transfer fees within the DoFinance platform to set up an investor’s account. Your bank or money transfer service provider may charge additional fees for transfers. Please consult your bank or money transfer service provider to identify any such fees.

When you have added money to your investor's account, you can start investing. We recommend you use DoFinance Auto Invest plans. The DoFinance automation tool creates an investment portfolio based on your preferred term, amount of money and interest rate. If you use the Manual Investment option, we suggest splitting your investment up into several loans, thereby decreasing the risk and increasing the chance to earn more.

Auto Invest is free of charge and is an easy-to-use automation tool for diversifying your investment portfolio. The Auto Invest algorithm creates an investment portfolio based on your preferred term, amount of money and interest rate: 6%, 8% or 12%.

A BuyBack guarantee is a guarantee issued by the loan originator to the investor for a particular loan. It confirms that the loan originator will repurchase the loan from the investor if the repayment of that particular loan is delayed. The BuyBack guarantee is applied to all loans in the DoFinance system.

The return on your investment depends on your selected investment plan. Return rates range from 6% up to 12% per annum.

You can withdraw your money in accordance with your chosen Auto Invest or Manual Invest investment term.    

It depends on your selected investment plan and the withdrawal term. When using Auto Invest, you can choose a withdrawal term: 6% plan – you can receive your money 14 days after your request including accumulated interest. 8% plan – you can receive your money 14 days after your request without interest or 28 days after your request including accumulated interest. 12% plan – you can receive your money 28 days after your request without interest.   It is not possible to cancel investments that are made with the Manual Invest option.  

In the event that the repayment of a loan is delayed, DoFinance has got you covered with the BuyBack guarantee. This means that DoFinance will pay you back the principal amount and accrued interest, thereby eliminating the risk of you losing your money. 

If the borrower repays the loan before the scheduled term, your earned amount will be calculated according to the scheduled loan repayment date and transferred to your investor’s account. In addition, you will receive a notification e-mail from us.  

The security of your information and private data (as well as investment risk reduction) is one of our top priorities. DoFinance deploys organized data storage in accordance with the highest security standards and relevant Latvian legislation.