BORROW LEND ABOUT US SIGN IN LEND WHY LENDIFY RETURNS & FEES FAQ BLOG Invest in loans to individuals Create Account This is how our Autoinvest products work Choose the longest term for the loan and deposit any amount. Your capital is invested directly in loans to other private individuals. You have full insight into which loans are financed, but we handle the investments for you. The capital is distributed evenly between loans in the different risk classes A, B, C, D and E. To achieve a good spread of risk, your capital is divided into at least 20 different loans **. The goal is for approximately 5% of the capital to be invested in an individual loan. Depending on the availability of loans, however, an investment in an individual loan can amount to a maximum of 15% of the total capital. Every month, interest and repayment from the borrowers are repaid. You can choose between the sum being paid out as cash or whether the disbursed capital is to be reinvested continuously. Lendify manages all processes between borrowers and lenders. If a borrower does not pay, the lender bears the risk. However, the loan losses on this type of loan (ie unsecured loans to creditworthy persons who have historically borrowed from the banks) have been below 2.5% ***. To cover any credit losses, Lendify has a credit loss fund, ie. a buffer intended to cover any credit losses. No one has ever lost money on investing through Lendify. Historical annual return 7.14% * Our Autoinvest products Below you will find an overview of our products and expected net return. Note that the longest term indicates the longest term for loans that each Autoinvest product may invest in. Since the loans in which you as a lender invest are annuity loans, payment of interest and repayment from the borrowers begins the month after the loan has been financed. Longest term: 1 year Expected annual net return 3.5% repaid monthly with amortization and interest Longest term: 3 years Expected annual net return 4.3% repaid monthly with amortization and interest Longest term: 5 years Expected annual net return 5.8% repaid monthly with amortization and interest Longest term: 10 years Expected annual net return 8.2% repaid monthly with amortization and interest Creditworthy borrowers Lendify focuses on the most creditworthy borrowers. Therefore, we have strict credit criteria for those who borrow. Lendify's average borrowers have: No payment remarks (one requirement) Average income over 400,000 / year Permanent employment * Avkastningen beräknas som genomsnittet under 2015-04-01 till 2016-03-31, av summan av samtliga långivares avkastning (efter avgifter) varje månad dividerat med deras totala utlåning i slutet av den aktuella månaden. Avkastningen beror bland annat på låntagarnas kreditbetyg och lånens löptid. Långivare bär kreditrisken och omfattas ej heller av den statliga insättningsgarantin. Låntagarna har inte gjort några kreditförluster under perioden. ** Kräver en investering på minst 5 000 kr. Under detta belopp kan det ske att ditt kapital diversifieras ut på färre antal lån. *** Observerade/modellerade PD-nivåer vilka kan utläsas i kapitaltäckningsrapporter från fyra av Sveriges största banker för 2014. LÅNA Ansök om lån Så fungerar det Räntor & avgifter Vanliga frågor Villkor LÅNA UT Låna ut Så fungerar det Avkastning & avgifter FAQ Villkor Create Account ABOUT US About Lendify Contact Us Press Free jobs Email: hello@lendify.se Phone: 020-20 30 40 © 2016 - Lendify AB Close The website uses cookies to improve the user experience. By continuing to browse, you accept that cookies are used. More information about terms and policies .