The Paysera Peer-to-Peer Lending platform in your account
Everything, right where you are.
The Paysera Peer-to-Peer Lending platform connects people who want to borrow without platform fees. People lend to people directly.
A platform you can trust
We are not only your everyday financial partner, but also one of the oldest and fastest-growing financial technology companies in the Baltic States. Our long-standing experience ensures that your finances and investments are safe and secure.
Why choose the Paysera Peer-to-Peer Lending platform?
For borrowers
For investors
A simple process for both sides
Open the Super App
Log in to your Paysera account and in the More section, select Peer-to-Peer Lending.
Complete the application
Click I want to borrow, read the terms and conditions, and submit your application.
Attract investors
The loan is funded within 1–5 days (often faster).
Receive the money
The funds are instantly transferred to your Paysera account once your application is fully funded.
Open the Super App
Log in to your Paysera account and in the More section, select Peer-to-peer lending.
Choose a project
Browse the available projects and choose the one that suits you best, based on the term, amount, and interest.
Invest in one click
Confirm your selection and sign the agreement. The funds will be reserved and only debited once the loan is fully funded.
Get a return
Every month, a portion of the loan and the earned interest will be transferred to your Paysera account.
Frequently asked questions
For borrowers
You can borrow if:
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You are a Lithuanian citizen aged 18 or over
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You have a Paysera account
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You meet the creditworthiness requirements
We assess your creditworthiness once you submit an application, using the standards set by the Bank of Lithuania.
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Log in to your Paysera account.
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If you log in via online banking, you will find the Paysera Peer-to-Peer Lending platform in the menu bar.
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If you are logging in via the Paysera super-app, select More in the bottom menu bar. From the list of services provided, select the Paysera Peer-to-Peer Lending platform service.
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Click and select I want to borrow. Review the documents provided to continue. If you decide to borrow, click Request an assessment and start the process.
You will receive an answer in just a few minutes.
If you decide to borrow, your loan will be visible to investors for 5 days. When the loan is fully funded, the money is immediately transferred to your Paysera account.
You can borrow: for home renovation, for a new car, for education, for holidays, for healthcare services, and for unexpected expenses.
For investors
You can invest if:
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You are a Lithuanian citizen aged 18 or over
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You have a Paysera account
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Both personal and business accounts are eligible
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Log in to your Paysera account.
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If you are logging in via online banking, you will see Peer-to-Peer Lending in the menu bar. Click on it and select Invest. Read the information provided and agree to the terms and conditions to proceed.
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If you are logging in via the Paysera super-app, select More from the menu bar at the bottom. From the list of services provided, select the Peer-to-Peer Lending service.
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Click and select I want to invest. Familiarise yourself with the documents provided.
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Investments can be made from 10 EUR to 500 EUR.
Peer-to-peer lending is not a deposit – it is a direct investment in other people. Although Paysera carefully checks the creditworthiness of every borrower, a risk remains: if a loan is not repaid, the invested amount is not returned.
Three rules to get started:
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Diversify. Do not entrust all your funds to one person. It is better to distribute the amount into many small investments (e.g., 10 EUR each), this way, the impact of a single failure on your portfolio will be much smaller.
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Invest only spare funds: for peer-to-peer lending, use only money that you will not need for daily expenses.
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If this is your first time, start with 10 EUR and increase your investments once you realise how the platform works.
Important information for investors
Investments in peer-to-peer loans are not insured and involve risk. Past performance does not guarantee future returns. The activity is regulated by the Bank of Lithuania. We recommend that you familiarise yourself with our Investment Risk Document before investing.
Licence number: LB000123 | Bank of Lithuania: www.lb.lt