{"id":16104,"date":"2020-10-07T06:00:00","date_gmt":"2020-10-07T04:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/neo-finance-erfahrungen-2023-360-grad-analyse-und-bewertung\/"},"modified":"2026-09-28T17:56:20","modified_gmt":"2026-09-28T15:56:20","slug":"neo-finance-review","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/en\/neo-finance-review\/","title":{"rendered":"NEO Finance Review 2026"},"content":{"rendered":"<p>NEO Finance markets itself as one of the safest platforms in the P2P environment. The basis for this argument is the regulation by the Lithuanian central bank as well as the proper segregation of investor and company funds, which rules out any misappropriation.<\/p>\r\n<p><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">In this NEO Finance review you will get a bettter understanding about the current risk-reward profile of the platform and in which circumstances NEO Finance might be a good addition to your P2P portfolio.\u00a0<\/span><\/p>\r\n<p>Further analyses of other platforms can be found on my <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-reviews\/\" target=\"_blank\" rel=\"noopener\"><strong>P2P Platform Review<\/strong><\/a> page.<\/p>\r\n<div class=\"su-button-center\"><a href=\"http:\/\/bit.ly\/rethink-p2p-neo-finance\" class=\"su-button su-button-style-default\" style=\"color:#ffffff;background-color:#0aad27;border-color:#088b20;border-radius:8px\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color:#ffffff;padding:7px 22px;font-size:17px;line-height:26px;border-color:#54c668;border-radius:8px;text-shadow:0px 0px 0px #000000\"><i class=\"sui sui-check-circle\" style=\"font-size:17px;color:#FFFFFF\"><\/i> <strong>Sign Up on NEO Finance (1% Cashback for 90 Days)<\/strong><\/span><\/a><\/div>\r\n<hr \/>\r\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_67_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rethink-p2p.de\/en\/neo-finance-review\/#Summary\" title=\"Summary\">Summary<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rethink-p2p.de\/en\/neo-finance-review\/#What_is_NEO_Finance\" title=\"What is NEO Finance?\">What is NEO Finance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rethink-p2p.de\/en\/neo-finance-review\/#Shareholder_and_Management\" title=\"Shareholder and Management\">Shareholder and Management<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rethink-p2p.de\/en\/neo-finance-review\/#Investing_on_NEO_Finance\" title=\"Investing on NEO Finance\">Investing on NEO Finance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rethink-p2p.de\/en\/neo-finance-review\/#NEO_Finance_Taxes\" title=\"NEO Finance Taxes\">NEO Finance Taxes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rethink-p2p.de\/en\/neo-finance-review\/#NEO_Finance_Risks\" title=\"NEO Finance Risks\">NEO Finance Risks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rethink-p2p.de\/en\/neo-finance-review\/#Advantages_and_Disadvantages\" title=\"Advantages and Disadvantages\">Advantages and Disadvantages<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rethink-p2p.de\/en\/neo-finance-review\/#Summary_NEO_Finance_Review\" title=\"Summary NEO Finance Review\">Summary NEO Finance Review<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rethink-p2p.de\/en\/neo-finance-review\/#FAQ_NEO_Finance_Review\" title=\"FAQ NEO Finance Review\">FAQ NEO Finance Review<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Summary\"><\/span><strong>Summary<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<div class=\"su-table su-table-alternate\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>Founded \/ Started:<\/strong><\/td>\r\n<td>January 2014 \/ January 2016<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Legal Name:<\/strong><\/td>\r\n<td>NEO Finance, AB (<a href=\"https:\/\/www.registrucentras.lt\/jar\/p_en\/dok.php?kod=303225546&amp;dti=&amp;p=1\" target=\"_blank\" rel=\"noopener\"><strong>LINK<\/strong><\/a>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Headquarter:<\/strong><\/td>\r\n<td>Vilnius, Lithuania<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Regulated:<\/strong><\/td>\r\n<td>Yes (<a href=\"https:\/\/www.lb.lt\/lt\/frd-licencijos\/view_license?id=247\" target=\"_blank\" rel=\"noopener\"><strong>Central Bank of Lithuania<\/strong><\/a>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>CEO:<\/strong><\/td>\r\n<td><a href=\"https:\/\/www.linkedin.com\/in\/evaldas-remeikis-1720b652\/\" target=\"_blank\" rel=\"noopener\"><strong>Evaldas Remeikis<\/strong><\/a> (August 2015)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Assets Under Management:<\/strong><\/td>\r\n<td>Not Available<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Number of Investors:<\/strong><\/td>\r\n<td>15,000+<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Expected Return:<\/strong><\/td>\r\n<td>12%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Risk Score:<\/strong><\/td>\r\n<td>6.2 \/ 10 (Rank 13 of 31) | <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener\"><strong>View Methodology<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Primary Loan Type:<\/strong><\/td>\r\n<td>Consumer Loans<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Collateral:<\/strong><\/td>\r\n<td>No<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"What_is_NEO_Finance\"><\/span><strong>What is <\/strong><strong>NEO Finance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><a href=\"https:\/\/bit.ly\/rethink-p2p-neo-finance\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10284 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/NEO-Finance-Bonus.jpg\" alt=\"neo-finance-bonus\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10284 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/NEO-Finance-Bonus.jpg\" alt=\"neo-finance-bonus\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/p>\r\n<p>NEO Finance is a Lithuanian P2P platform, operating since December 2015, where investors can fund Lithuanian consumer loans and earn an average return of around 10%.<\/p>\r\n<p>NEO Finance is the biggest P2P platform for consumer loans in Lithuania. In the European context though, the platform is one of the smaller providers, despite its long track record.<\/p>\r\n<h3><strong>The Origin Story<\/strong><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Evaldas-Remeikis.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-19406 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Evaldas-Remeikis.png\" alt=\"neo-finance-review-ceo\" width=\"300\" height=\"300\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Evaldas-Remeikis.png 350w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Evaldas-Remeikis-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Evaldas-Remeikis-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Evaldas-Remeikis-70x70.png 70w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/300;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-19406\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Evaldas-Remeikis.png\" alt=\"neo-finance-review-ceo\" width=\"300\" height=\"300\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Evaldas-Remeikis.png 350w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Evaldas-Remeikis-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Evaldas-Remeikis-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Evaldas-Remeikis-70x70.png 70w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/noscript><\/a>In 2013, Evaldas Remeikis and his wife Aiva Remeikiene, together with the financial support of Grigory Gurevich (approx. EUR 200,000), founded the company <a href=\"https:\/\/www.paskoluklubas.lt\/\" target=\"_blank\" rel=\"noopener\"><strong>Paskoly Klubas<\/strong><\/a> (English: Loan Club). This lender still operates under this name today.<\/p>\r\n<p>At the beginning of 2015, legislation for online lending by private individuals came into force in Lithuania. After acquiring the necessary licences, the P2P platform started its operations in December 2015.<\/p>\r\n<p>The rebranding to NEO Finance took place in October 2017 as the company wanted to become more accessible to foreign investors.<\/p>\r\n<h3>Business Model<\/h3>\r\n<p>NEO Finance earns money on three different levels:<\/p>\r\n<ul>\r\n<li><strong>Intermediary Fee Income:<\/strong> This is the commission fee charged to the borrower for getting the loan. The range can be between 4.9% and 9.9%.<\/li>\r\n<li><strong style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">PIS Income:<\/strong><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\"> PIS stands for Payment Initiation Service. This is an IT development on the part of NEO Finance that has been in use since April 2018 and is primarily used in online shops as a payment option. The brand name of this service is NEO Pay and it offers an alternative for payment processing in Lithuania compared to traditional banks and other payment service providers.<\/span><\/li>\r\n<li><strong style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">Other Income:<\/strong><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\"> Other sources of revenue include, among others, withdrawal fees, fees for administration, maintenance of second accounts or fees related to EMIL.<\/span><\/li>\r\n<\/ul>\r\n<h3>NEO Finance On-Site Visit<\/h3>\r\n<p>There have been two in-person meetings with the NEO Finance team in Vilnius. The first took place in March 2019. During this visit, I had the opportunity to meet founder and CEO Evaldas Remeikis in person. Our conversation gained considerably in depth as it progressed. Evaldas is a thoughtful and intelligent conversation partner with a clear vision for his company.<\/p>\r\n<p>A second and notably more extensive meeting followed in November 2019 at the Fintech Inn conference in Vilnius. Together with Evaldas, CMO Justinas and board member Deividas, we exchanged views on a wide range of topics, including the assessment of refinanced loans, the debt recovery process, and the competition in the Lithuanian P2P market.<\/p>\r\n<h3 data-pm-slice=\"1 1 []\">NEO Finance News<\/h3>\r\n<p>P2P lending is a dynamic asset class where investors should stay continuously informed. You will find the latest news on NEO Finance on my <strong><a href=\"https:\/\/rethink-p2p.de\/en\/news\/\">P2P lending news<\/a><\/strong> page, where I cover other P2P platforms as well.<\/p>\r\n\r\n<p>Alternatively, you can subscribe to my <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-telegram\">Telegram channel<\/a><\/strong> or <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-whatsapp\">WhatsApp group<\/a><\/strong> (both free of charge) to receive real-time updates as soon as new developments emerge.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Shareholder_and_Management\"><\/span>Shareholder and Management<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Who are the main shareholders and management executives behind NEO Finance? Let&#8217;s have a look!<\/p>\r\n<h3>NEO Finance <span style=\"color: #000000;\"><strong>Shareholder<\/strong><\/span><\/h3>\r\n<p>Who owns NEO Finance? The majority shareholder in NEO Finance is the company &#8220;UAB ERA CAPITAL&#8221;, which owns 73% of the shares in the company. The two shareholders, Evaldas Remeikis and Aiva Remeikiene, each hold 50% of the shares.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/NEO-Finance-Erfahrungen-rethink-p2p-kredite.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-14863 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/NEO-Finance-Erfahrungen-rethink-p2p-kredite.jpg\" alt=\"neo-finance-review-2023-p2p\" width=\"1000\" height=\"619\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/NEO-Finance-Erfahrungen-rethink-p2p-kredite.jpg 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/NEO-Finance-Erfahrungen-rethink-p2p-kredite-300x186.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/NEO-Finance-Erfahrungen-rethink-p2p-kredite-768x475.jpg 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/619;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-14863\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/NEO-Finance-Erfahrungen-rethink-p2p-kredite.jpg\" alt=\"neo-finance-review-2023-p2p\" width=\"1000\" height=\"619\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/NEO-Finance-Erfahrungen-rethink-p2p-kredite.jpg 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/NEO-Finance-Erfahrungen-rethink-p2p-kredite-300x186.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/NEO-Finance-Erfahrungen-rethink-p2p-kredite-768x475.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>The second biggest shareholder is the Russian Grigory Gurevich with 10%, who supported NEO Finance with growth financing at the beginning. Other and smaller shareholders include UAB Value Capital, ASIAN PACIFIC GREEN ENERGY PTE. LTD, Arminas Sinkevicius, Marius Navickas and some Seedrs investors.<\/p>\r\n<h3><strong>NEO Finance Management<\/strong><\/h3>\r\n<p>The Chairman of the Supervisory Board is Antanas Dany, former CEO of the Lithuanian Swedbank. The members of the Supervisory Board include:<\/p>\r\n<ul>\r\n<li>Marius Laurinaitis (expert in law and electronic money).<\/li>\r\n<li>Vytautas Bu\u010di\u016bnas (entrepreneur and consultant)<\/li>\r\n<li>Maurice Beckand Verwee (entrepreneur and investor).<\/li>\r\n<\/ul>\r\n<p>The chairman of NEO Finance&#8217;s board, on the other hand, is Evaldas Remeikis. He is both co-founder and largest shareholder of the company. He is the company&#8217;s ultimate decision-maker.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Investing_on_NEO_Finance\"><\/span><strong>Investing on NEO Finance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>How does NEO Finance work and what should investors know and consider when investing on the plaform? In the following sections of my NEO Finance review you will find all the necessary information that you need.<\/p>\r\n<h3><strong>Loan Offering<\/strong><\/h3>\r\n<p>NEO Finance offers investments in private consumer loans from Lithuania. As a mono lender, this does not offer investors broad diversification opportunities.<\/p>\r\n<p>The loan term can be chosen flexibly. However, the assets at NEO Finance tend to have longer maturities.<\/p>\r\n<p>The average interest rate is currently around 14.60%.<\/p>\r\n<p><strong style=\"color: revert; font-size: 1.5rem; font-family: var(--text-font);\">Costs and Fees<\/strong><\/p>\r\n<p>It is free of charge to sign up on NEO Finance. Also no fees are charged for investments on the primary market. On the secondary market, a brokerage fee of 1% is charged, both for purchase and sale. The basis is the sale\/purchase price of the loan. In addition, fees are also due for withdrawals or the request of certain documents.<\/p>\r\n<p>More info can be found on this <a href=\"https:\/\/www.neofinance.com\/en\/page\/32\/service-fees\" target=\"_blank\" rel=\"noopener\"><strong>price list<\/strong><\/a>.<\/p>\r\n<h3><strong>Expected Returns<\/strong><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Rendite-Erwartung.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-19410 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Rendite-Erwartung.png\" alt=\"neo-finance-review-return\" width=\"600\" height=\"330\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Rendite-Erwartung.png 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Rendite-Erwartung-300x165.png 300w\" data-sizes=\"(max-width: 600px) 100vw, 600px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600\/330;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-19410 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Rendite-Erwartung.png\" alt=\"neo-finance-review-return\" width=\"600\" height=\"330\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Rendite-Erwartung.png 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Rendite-Erwartung-300x165.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/noscript><\/a>The average interest rate on NEO Finance is promoted with 14.50%. Depending on the chosen investment strategy, this range can vary greatly.<\/p>\r\n<p>My personal return on NEO Finance after 4+ years is at 10.31%. This corresponds to an interest rate appropriate to the risk.<\/p>\r\n<p><strong style=\"color: revert; font-size: 1.5rem; font-family: var(--text-font);\">NEO Finance Auto Invest<\/strong><\/p>\r\n<p>On NEO Finance, investors can invest in loans both manually and via an automated investment strategy (Auto Invest). This automatically reinvests the repayments in the preset criteria. The configurable Auto Invest settings include:<\/p>\r\n<ul>\r\n<li>The credit rating (From A+ to C-)<\/li>\r\n<li>The interest rate (From 4% to 27%)<\/li>\r\n<li>The loan term (From 4 months to 120 months)<\/li>\r\n<li>Maximum investment amount per loan<\/li>\r\n<\/ul>\r\n<p>In addition to the classic selection criteria, also other settings can be configured. These include e.g. the gender of the borrower, education, family income or available assets.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"NEO_Finance_Taxes\"><\/span><strong>NEO Finance Taxes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Steuern.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-19412 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Steuern.jpg\" alt=\"neo-finance-review-taxes\" width=\"250\" height=\"357\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Steuern.jpg 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Steuern-210x300.jpg 210w\" data-sizes=\"(max-width: 250px) 100vw, 250px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 250px; --smush-placeholder-aspect-ratio: 250\/357;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-19412\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Steuern.jpg\" alt=\"neo-finance-review-taxes\" width=\"250\" height=\"357\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Steuern.jpg 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/02\/NEO-Finance-Erfahrungen-Steuern-210x300.jpg 210w\" sizes=\"(max-width: 250px) 100vw, 250px\" \/><\/noscript><\/a>Generally, the interest income generated by loan financing is considered investment income and thus must be declared as such in the tax return.<\/p>\r\n<p>NEO Finance also withholds 15% withholding tax on the interest income. Currently, 10% of the withholding tax can be deducted as final withholding tax in the tax return.<\/p>\r\n<p>The other 5% can be recovered by applying for a refund in Lithuania. This requires the DAS-1 form, which must be submitted to NEO Finance.<\/p>\r\n<p>NEO Finance is currently working on a solution in which all interest income up to EUR 500 is exempt from withholding tax.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"NEO_Finance_Risks\"><\/span><strong>NEO Finance Risks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Investors should look very carefully at the potential risk factors when evaluating a P2P platform. What is it that investors need to be aware of when it comes to NEO Finance? Where are the underlying risks and how are they assessed?<\/p>\r\n<div class=\"ss-box\">\n  <div class=\"ss-head\">\n    <div class=\"ss-head-left\">\n      <div class=\"ss-title\">Safety Score<\/div>\n      <div class=\"ss-rank\">Rank 11 of 31<\/div>\n    <\/div>\n    <div class=\"ss-head-right\">\n      <span class=\"ss-score\" style=\"color:#EF9F27\">6.2<\/span>\n      <span class=\"ss-of10\">\/ 10<\/span>\n      <span class=\"ss-pill ss-pill--mid\">Medium Risk<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"ss-cats\">\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Regulation and Licensing<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--y\" style=\"width:67%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">10 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Financial Stability<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:80%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">16 \/ 20<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Transparency and Disclosure<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--y\" style=\"width:67%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">10 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Loan Portfolio and Investor Losses<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--r\" style=\"width:20%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">5 \/ 25<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Track Record and Crisis Behaviour<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:84%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">21 \/ 25<\/span>\n    <\/div>\n  <\/div>\n  <details class=\"ss-rf\">\n    <summary class=\"ss-rf-toggle\">\n      <span class=\"ss-rf-toggle-label\">Red Flags <span class=\"ss-rf-badge ss-rf-badge--ok\">0<\/span><\/span>\n      <span class=\"ss-rf-chevron\"><\/span>\n    <\/summary>\n    <div class=\"ss-rf-body\">\n      <p class=\"ss-rf-none\">No Red Flags present.<\/p>\n    <\/div>\n  <\/details>\n  <div class=\"ss-note\">\n    The Safety Score assesses platform risk only. Lender risks and country-specific risks are not covered and must be evaluated separately.  <\/div>\n  <div class=\"ss-foot\">\n    <a class=\"ss-link\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener noreferrer\">View full methodology &rarr;<\/a>\n  <\/div>\n<\/div>\n\r\n<h3><strong>Financial Stability<\/strong><\/h3>\r\n<p>The financial stability of a P2P platform is a key risk factor. Is NEO Finance able to operate profitably? And how well is the company positioned financially?<\/p>\r\n\t<div class=\"rtp-quellenbox\">\n\t\t<div class=\"rtp-grid\">\n\n\t\t\t\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-blue\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 17V3\"\/><path d=\"m6 11 6 6 6-6\"\/><path d=\"M19 21H5\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Annual Report<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">\n\t\t\t\t\t\t<a class=\"rtp-link\" href=\"https:\/\/nasdaqbaltic.com\/market\/upload\/reports\/neofi\/2024_ar_en_eur_00_las.pdf\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tNEO Finance \u2013 Annual Report 2024\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-green\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Auditor: Grant Thornton Baltic UAB<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">Established and independent audit firm (Top 10 worldwide).<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-yellow\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Standard: Lithuanian GAAP<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">Local standard, not internationally comparable.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<style>\n\t.rtp-quellenbox {\n\t\tbackground: #F8F8F6;\n\t\tborder: 1px solid #e5e5e5;\n\t\tborder-radius: 12px;\n\t\tpadding: 20px 24px;\n\t\twidth: 100%;\n\t\tbox-sizing: border-box;\n\t\tfont-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, sans-serif;\n\t\tmargin: 1.5rem 0;\n\t\tbox-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);\n\t}\n\t.rtp-grid {\n\t\tdisplay: flex;\n\t\talign-items: stretch;\n\t}\n\t.rtp-col {\n\t\tdisplay: flex;\n\t\talign-items: flex-start;\n\t\tgap: 12px;\n\t\tflex: 1;\n\t\tpadding: 0 20px;\n\t}\n\t.rtp-col .rtp-content {\n\t\tpadding-top: 0;\n\t\tmargin-top: 0;\n\t}\n\t.rtp-col .rtp-content p:first-child,\n\t.rtp-col .rtp-content a:first-child {\n\t\tmargin-top: 0;\n\t\tpadding-top: 0;\n\t}\n\t.rtp-col:first-child { padding-left: 0; }\n\t.rtp-col:last-child  { padding-right: 0; }\n\t.rtp-vdivider {\n\t\twidth: 1px;\n\t\tbackground: #e5e5e5;\n\t\tflex-shrink: 0;\n\t}\n\t.rtp-icon {\n\t\twidth: 36px;\n\t\theight: 36px;\n\t\tborder-radius: 8px;\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tjustify-content: center;\n\t\tflex-shrink: 0;\n\t\talign-self: flex-start;\n\t}\n\t.rtp-blue   { background: #E6F1FB; color: #185FA5; }\n\t.rtp-green  { background: #C0DD97; color: #27500A; }\n\t.rtp-yellow { background: #FAEEDA; color: #854F0B; }\n\t.rtp-red    { background: #FCEBEB; color: #A32D2D; }\n\t.rtp-gray   { background: #F1EFE8; color: #5F5E5A; }\n\t.rtp-quellenbox .rtp-label {\n\t\tfont-size: 13px;\n\t\tfont-weight: 600;\n\t\tcolor: #111111;\n\t\tmargin: 0 0 3px 0 !important;\n\t\tpadding: 0 !important;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-desc {\n\t\tfont-size: 12px;\n\t\tcolor: #666666;\n\t\tmargin: 0;\n\t\tline-height: 1.4;\n\t\tmargin-top: 3px;\n\t}\n\t.rtp-quellenbox .rtp-link {\n\t\tfont-size: 12px;\n\t\tfont-weight: 500;\n\t\tcolor: #185FA5;\n\t\ttext-decoration: none;\n\t\tdisplay: inline-block;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-link:hover { text-decoration: underline; }\n\n\t\/* Mobile: untereinander *\/\n\t@media (max-width: 640px) {\n\t\t.rtp-grid        { flex-direction: column; gap: 12px; }\n\t\t.rtp-col         { padding: 0; }\n\t\t.rtp-vdivider    { width: 100%; height: 1px; }\n\t}\n\t<\/style>\n\t\r\n<p>The annual reports can be viewed and downloaded <a href=\"https:\/\/www.neofinance.com\/en\/page\/8\/reports\" target=\"_blank\" rel=\"noopener\"><strong>here<\/strong><\/a>.<\/p>\r\n<p>In the 2024 financial year, NEO Finance generated a net profit of EUR 485,000 (previous year: EUR 260,000). This means that NEO Finance has now operated profitably for the second consecutive year.<\/p>\r\n<p>Another positive aspect is that accumulated losses from previous years are being systematically reduced. By the end of 2024, accumulated losses had declined to approximately EUR 535,000. In addition, liquid assets (EUR 24.6 million) are able to almost fully cover short-term liabilities.<\/p>\r\n<hr \/>\r\n<h3><strong>Corona Crisis \/ Covid-19 Pandemic<\/strong><\/h3>\r\n<p>NEO Finance was one of the first P2P platforms to respond with <a href=\"https:\/\/www.neofinance.com\/en\/news\/277\/letter-to-investors\" target=\"_blank\" rel=\"noopener\"><strong>concrete measures<\/strong><\/a> following the outbreak of the Covid-19 pandemic. The measures included:<\/p>\r\n<ul>\r\n<li>Depending on the credit rating, interest rates were raised by up to 3%, thus compensating for a greater risk of default.<\/li>\r\n<li>Refinancing loans where borrowers have a DTI (debt-to-income) ratio of 40+% will be rejected until further notice.<\/li>\r\n<li>For C-rated loans, only the top 80% of borrowers will get financing.<\/li>\r\n<li>The maximum loan amount will be reduced by up to 30% in each risk class.<\/li>\r\n<li>Operational costs and marketing expenses are being scaled down.<\/li>\r\n<\/ul>\r\n<p>As a result, the financed loan volume, in Q2\/2020, has decreased by approximately 20%. In addition, NEO Finance has been very open and transparent. In live Q&amp;A sessions, investors could approach the company with the most important questions.<\/p>\r\n<p>On a positive note, there was no negative impact on investors during the pandemic. The payout requests were processed immediately and the terms of use were not changed either.<\/p>\r\n<hr \/>\r\n<h3>Covering Loan Default Risks<\/h3>\r\n<p>NEO Finance offers three ways for investors to deal with loan default risk on the platform.<\/p>\r\n<p><strong>The Provision Fund:<\/strong> This is a classic type of buyback guarantee. After 60 days of delayed payment, investors are reimbursed for the entire interest and redemption claim. The difference to other platforms with a buyback guarantee is that the investor has to provide this protection himself in advance &#8211; in the form of a payment into the Provision Fund. The amount to be paid depends, among other things, on the credit rating or the term of the loan.<\/p>\r\n<p><strong>The Buyback Guarantee:<\/strong> If the Provision Fund is not used, NEO Finance terminates the loan agreement with the borrower between 60 and 130 days after the payment is in delay. Before the loan is passed on to the collection partner Legal Balance, investors can buy back 50% to 80% of the market value from the overdue loan with the Buyback Guarantee. The value depends on the rating and the timing of the sale.<\/p>\r\n<p><strong>The Collection Process:<\/strong> If the investor does not use either the Provision Fund or the Buyback Guarantee in the event of a default, the loan moves to the collection department. Here, NEO Finance works with Legal Balance, which has been involved in recovering defaulted loans for 10+ years.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Advantages_and_Disadvantages\"><\/span><span id=\"Vor-_und_Nachteile_von_Debitum_Network\">Advantages and Disadvantages<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>In this section, I have listed the biggest advantages and disadvantages of NEO Finance.<\/p>\r\n<h3><strong>Advantages<\/strong><\/h3>\r\n<ul>\r\n<li><strong>Regulation:<\/strong> NEO Finance operates in a regulated environment and is controlled by the Central Bank of Lithuania.<\/li>\r\n<li><strong>Transparency:<\/strong> NEO Finance publishes a large number of audited reports, which makes it possible to constantly track the business development.<\/li>\r\n<li><strong>Safety:<\/strong> The Electronic Money Institution licence offers investors a high level of security against misappropriation.<\/li>\r\n<li><strong>Skin in the Game:<\/strong> NEO Finance board level members invest six to seven-figure amount on the company&#8217;s own platform.<\/li>\r\n<li><strong>Profitability:<\/strong> NEO Finance has been operating profitably since 2021.<\/li>\r\n<\/ul>\r\n<h3><strong>Disadvantages<\/strong><\/h3>\r\n<ul>\r\n<li><strong>Usability:<\/strong> The interface, the navigation and also the Auto Invest configurations are sometimes very confusing and make life unnecessarily difficult for investors.<\/li>\r\n<li><strong>Provision Fund:<\/strong> Well conceived in principle, but rather unusable for investors.<\/li>\r\n<li><strong>Expected Return:<\/strong> The expected return stated actually refers to the average interest rates of borrowers. The realistic return for investors is significantly lower.<\/li>\r\n<\/ul>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Summary_NEO_Finance_Review\"><\/span><strong>Summary NEO Finance Review<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>NEO Finance is a very solidly positioned P2P platform. Due to its secure infrastructure (P2P regulation, EMI licence), it has a clear competitive advantage over many other P2P platforms. The thoroughness of the platform almost leads one to believe NEO Finance is a kind of &#8220;German&#8221; company.<\/p>\r\n<p>On the other hand, also certain issues should be taken into account (provision fund, lack of clarity, misleading information), which unnecessarily complicate the lives of investors. On top, NEO Finance is still a relatively small P2P platform that has hardly developed further in recent years.<\/p>\r\n<p>NEO Finance is particularly suitable for conservative and somewhat experienced investors who also have a long-term investment horizon.<\/p>\r\n<div class=\"su-button-center\"><a href=\"http:\/\/bit.ly\/rethink-p2p-neo-finance\" class=\"su-button su-button-style-default\" style=\"color:#ffffff;background-color:#0aad27;border-color:#088b20;border-radius:8px\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color:#ffffff;padding:7px 22px;font-size:17px;line-height:26px;border-color:#54c668;border-radius:8px;text-shadow:0px 0px 0px #000000\"><i class=\"sui sui-check-circle\" style=\"font-size:17px;color:#FFFFFF\"><\/i> <strong>Sign Up on NEO Finance (1% Cashback for 90 Days)<\/strong><\/span><\/a><\/div>\r\n<hr \/>\r\n<h3><strong>NEO Finance Alternatives<\/strong><\/h3>\r\n<p>Already invested in NEO Finance? Or looking for similar platforms? Here are three NEO Finance alternatives from the P2P market.<\/p>\r\n<p><strong>Bondora:<\/strong> One of the oldest P2P platforms in Europe with a track record dating back to 2008. Like NEO Finance, Bondora focuses on unsecured consumer loans through direct lending and targets investors with a long-term investment horizon. With <a href=\"https:\/\/rethink-p2p.de\/en\/bondora-go-and-grow-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Go &amp; Grow<\/strong><\/a>, Bondora offers a particularly straightforward investment product with daily liquidity. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/bondora-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Bondora review<\/strong><\/a>.<\/p>\r\n<p><strong>Nectaro:<\/strong> A regulated P2P marketplace based in Latvia, operating under MiFID II regulations and backed by an internationally established group. Loans are primarily used to fund the lending operations of the parent company. Affiliated loan originators offer competitive interest rates and a solid track record. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/nectaro-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Nectaro review<\/strong><\/a>.<\/p>\r\n<p><strong>PeerBerry:<\/strong> A P2P marketplace incorporated in Croatia, working closely with partners from within the Aventus Group. Compared to NEO Finance, PeerBerry offers a broader geographical diversification and notably higher liquidity through shorter loan durations. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/peerberry-review\/\" target=\"_blank\" rel=\"noopener\"><strong>PeerBerry review<\/strong><\/a>.<\/p>\r\n<p>You can find other NEO Finance alternatives in the <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-comparison\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>P2P Platform Comparison<\/strong><\/a> page.<\/p>\r\n<hr \/>\r\n<div class=\"su-tabs su-tabs-style-default su-tabs-mobile-stack\" data-active=\"1\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-tabs-nav\"><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Affiliate Links \/ Conflict of Interest<\/strong><\/span><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Disclaimer<\/strong><\/span><\/div><div class=\"su-tabs-panes\"><div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Affiliate Links \/ Conflict of Interest&lt;\/strong&gt;\">This article contains affiliate links. If you register and\/or invest through one of these links, the operator receives a commission. The compensation has no influence on the opinion or the evaluation of the platform. Potential conflicts of interest can be looked up on the \u201c<a href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\"><strong>P2P Portfolio<\/strong><\/a>\u201d page.<\/div>\n<div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Disclaimer&lt;\/strong&gt;\">Investments in P2P loans involve risks and may result in the complete loss of the invested capital. Past performance is not a reliable indicator of future developments. The following content is provided for informational purposes only and does not constitute investment advice. Despite careful research, no guarantee is given for the accuracy, completeness, or timeliness of the information provided. No liability is accepted for any financial losses or investment decisions made based on the information presented here. For more details, see the full <a href=\"https:\/\/rethink-p2p.de\/en\/disclaimer\/\" target=\"_blank\" rel=\"noopener\"><strong>disclaimer<\/strong><\/a>.<\/div><\/div><\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"FAQ_NEO_Finance_Review\"><\/span>FAQ NEO Finance Review<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1602083838255\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What is NEO Finance?<\/strong>\r\n<p class=\"schema-faq-answer\">NEO Finance is a Lithuanian P2P platform, operational since December 2015, where investors can invest in Lithuanian consumer loans and earn an average return of 10%.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1602083963211\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Who owns NEO Finance?<\/strong>\r\n<p class=\"schema-faq-answer\">The majority shareholder in NEO Finance is the company &#8220;UAB ERA CAPITAL&#8221;, which owns 71% of the shares in the company. The two shareholders, Evaldas Remeikis and Aiva Remeikiene, each hold 50% of the shares.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1602083875639\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 How does NEO Finance earn money?<\/strong>\r\n<p class=\"schema-faq-answer\">NEO Finance has three sources of income. These include &#8220;Intermediary Fee Income&#8221; (commission payments from borrowers), &#8220;PIS Income&#8221; (Payment Initiation Service) and &#8220;Other Income&#8221;.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1602083984404\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Is NEO Finance a safe platform?<\/strong>\r\n<p class=\"schema-faq-answer\">NEO Finance offers a very safe environment for investors across all platforms. On one hand, the platform is regulated by the Central Bank of Lithuania, and on the other hand, there is a proper separation between investor and company funds, which prevents misappropriation.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":13889,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-centered.php","meta":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NEO Finance Review 2026: The Safest P2P Platform in Europe?<\/title>\n<meta name=\"description\" content=\"NEO Finance Review 2026: The Safest P2P Platform in Europe? Deep Dive NEO Finance Review \u2795 Cashback Bonus for New Investors!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rethink-p2p.de\/en\/neo-finance-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NEO Finance Review 2026: The Safest P2P Platform in Europe?\" \/>\n<meta property=\"og:description\" content=\"NEO Finance Review 2026: The Safest P2P Platform in Europe? 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