{"id":37003,"date":"2026-07-14T06:00:11","date_gmt":"2026-07-14T04:00:11","guid":{"rendered":"https:\/\/rethink-p2p.de\/?page_id=37003"},"modified":"2026-08-27T11:38:46","modified_gmt":"2026-08-27T09:38:46","slug":"loanch-review","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/en\/loanch-review\/","title":{"rendered":"Loanch Review 2026"},"content":{"rendered":"<span class=\"rtp-aktualisiert\">Last Update: 29 September 2026<\/span>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#f9f9f9;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"padding:16px 20px 20px;\">\n       <div style=\"font-weight:700;font-size:1.1em;margin:0 0 -8px 0;padding:0;line-height:1.4;\">\n          Key Takeaways\n        <\/div>\n        <div style=\"margin-top:2px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Loanch is an unregulated P2P platform based in Zagreb that offers consumer loans from Malaysia and Indonesia at interest rates of 13 to 15%.<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">The platform and its loan originators belong to the same group (Fingular, Singapore).<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Between January and April 2026, deposits and withdrawals were blocked for weeks after the Polish regulator KNF revoked the licence of payment provider Quicko.<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">A co-owner of Fingular was previously CEO of Cashwagon, whose loan originators defaulted on Mintos in 2020, causing investors losses in the millions.<\/span>\n    <\/div>\r\n<\/div>\n      <\/div>\n    <\/div>\r\n<style>\n        .rtp-sitg{display:flex;align-items:center;gap:22px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.08);padding:18px 22px;margin:1.5rem 0;}\n        .rtp-sitg-body{flex:1;min-width:0;}\n        .rtp-sitg-title{font-weight:700;font-size:1.1em;color:#222;margin-bottom:6px;line-height:1.2;}\n        .rtp-sitg-text{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n        .rtp-sitg-note{font-size:12px;color:#999;margin-top:6px;}\n        .rtp-sitg-btn{background:#262521;color:#fff !important;padding:13px 34px;border-radius:10px;font-size:16px;font-weight:700;text-decoration:none !important;white-space:nowrap;flex-shrink:0;transition:background .2s ease;}\n        .rtp-sitg-btn:hover{background:#14120f !important;color:#fff !important;text-decoration:none !important;}\n        @media(max-width:600px){\n          .rtp-sitg{flex-direction:column;align-items:stretch;gap:14px;}\n          .rtp-sitg-title{text-align:center;}\n          .rtp-sitg-btn{align-self:center;}\n        }\n        <\/style>\n    <div class=\"rtp-sitg\" style=\"background:#fdf5f5;border:1px solid #d64545;\">\n      <div class=\"rtp-sitg-body\">\n        <div class=\"rtp-sitg-title\">Skin in the Game<\/div>\n        <p class=\"rtp-sitg-text\">I have never been invested in Loanch with my own funds. Based on the platform&#039;s current risk profile, I advise against investing. This article is therefore deliberately not promoted through affiliate links.<\/p><\/div>\n      <a class=\"rtp-sitg-btn\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\">My Portfolio<\/a>\n    <\/div>\r\n<hr \/>\r\n<h2>What is Loanch?<\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Logo.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-36933 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Logo.jpg\" alt=\"Loanch-Logo\" 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-36933 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Logo.jpg\" alt=\"Loanch-Logo\" width=\"300\" height=\"169\" \/><\/noscript><\/a>Loanch is a P2P marketplace founded in 2022 that allows European retail investors to fund short-term consumer loans from Southeast Asia. The platform its operations at the end of 2023.<\/p>\r\n<p>Loans are sourced from two loan originators: Tambadana (Malaysia) and Ammana (Indonesia). AhaPay (Malaysia) was added at the start of 2026.<\/p>\r\n<p>Until March 2026, the platform was operated by the Hungarian company RiseTech Kft. Since then, the Croatian company PRZEMEK SAVJETOVANJE d.o.o., based in Zagreb, has been the operating entity. Loanch cites a more stable payment infrastructure, smoother financial operations, and the platform&#8217;s ongoing development and scalability as reasons for the move.<\/p>\r\n<h3>Loanch Fact Sheet<\/h3>\r\n<p>Below is a short summary of the key facts and figures about Loanch.<\/p>\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>2022 \/ End of 2023<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Legal Name:<\/strong><\/td>\r\n<td>PRZEMEK SAVJETOVANJE d.o.o.<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Headquarter:<\/strong><\/td>\r\n<td>Zagreb, Croatia (since March 2026)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Regulated:<\/strong><\/td>\r\n<td>No<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>CEO:<\/strong><\/td>\r\n<td><a href=\"https:\/\/www.linkedin.com\/in\/przemekjanuszaniec\/\" target=\"_blank\" rel=\"noopener\"><strong>Przemek Januszaniec<\/strong><\/a> (March 2026)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Assets Under Management:<\/strong><\/td>\r\n<td>EUR 13.6+ million<\/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>Up to 14.5%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Risk Score:<\/strong><\/td>\r\n<td>3.9 \/ 10 (Rank 25 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>Buyback Guarantee<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<h3 data-pm-slice=\"1 1 []\">Loanch 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 Loanch 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<div class=\"rtp-review-news\"><div class=\"rrn-card\" onclick=\"this.classList.toggle('open')\"><svg class=\"rrn-chevron\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 6l4 4 4-4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><div class=\"rrn-date\">18. July 2026<\/div><div class=\"rrn-title\"><a class=\"rrn-title-link\" href=\"https:\/\/rethink-p2p.de\/en\/news\/loanch-review-why-im-not-investing\/\" onclick=\"event.stopPropagation()\">Loanch Review: Why I&#8217;m NOT Investing!<\/a><\/div><div class=\"rrn-body\"><div class=\"rrn-content\"><p>Few P2P platforms are currently being promoted as aggressively on YouTube as Loanch. The marketing is heavily focused on cashback campaigns, platform visits, \"yield hunter\" narratives, and a framing that concerts risks into an opportunity. Hence, my latest review takes a detailed look at the risk profile of Loanch, and how much substance lies behind a company that is often promoted as a \"cash cow\".<\/p>\n<p>To put it bluntly: The contrast between the largely affiliate-driven marketing and my own risk assessment could hardly be any bigger. If you are looking for an honest, data-driven evaluation of Loanch, check out my latest review.<\/p>\n<\/div><\/div><\/div><div class=\"rrn-card\" onclick=\"this.classList.toggle('open')\"><svg class=\"rrn-chevron\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 6l4 4 4-4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><div class=\"rrn-date\">16. July 2026<\/div><div class=\"rrn-title\"><a class=\"rrn-title-link\" href=\"https:\/\/rethink-p2p.de\/en\/news\/loanch-loan-originator-comparison\/\" onclick=\"event.stopPropagation()\">NEW: Loanch Loan Originator Comparison<\/a><\/div><div class=\"rrn-body\"><div class=\"rrn-content\"><p>The latest update to my Loan Originator Comparison now includes the three companies currently listed on Loanch: Tambadana (Malaysia), Ammana (Indonesia), and AhaPay (Malaysia).<\/p>\n<p>The results paint a rather clear picture: Outdated financial statements, little to no profitability, negative equity, and high impairments. Overall, the financial metrics are far from encouraging and stand in sharp contrast to the overwhelmingly positive reviews of Loanch that can currently be found online.<\/p>\n<\/div><div class=\"rrn-btns\"><a class=\"rrn-btn rrn-btn--source\" href=\"https:\/\/rethink-p2p.de\/en\/loan-originators\/\" target=\"_blank\" rel=\"noopener noreferrer\" onclick=\"event.stopPropagation()\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 2h5.5L12 4.5V14H4V2z\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M9 2v3h3\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M6 7h4M6 9.5h4M6 12h2.5\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linecap=\"round\"\/><\/svg>Source<\/a><\/div><\/div><\/div><\/div>\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>Business Model and Shareholder Structure<\/h2>\r\n<p>The Singapore-based company FINGULAR PTE. LTD., founded in October 2021, publicly announced in October 2024 that it was<strong> <a href=\"https:\/\/loanch.com\/blog\/loanch-will-become-part-of-the-fingular-ecosystem\">acquiring a stake in Loanch<\/a><\/strong>.<\/p>\r\n<p>All of the loan originators on the Loanch platform, including Tambadana, Ammana, and AhaPay, belong to the fintech company Fingular. This means the same group sits on both sides of the transaction: It runs the marketplace, and it supplies the loan originators whose loans are sold on it.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Fingular-Loanch-Review-Loanch-Opiniones-Loanch-Avis.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-36972 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Fingular-Loanch-Review-Loanch-Opiniones-Loanch-Avis.png\" alt=\"Loanch-Review-2026-Fingular\" width=\"1200\" height=\"675\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Fingular-Loanch-Review-Loanch-Opiniones-Loanch-Avis.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Fingular-Loanch-Review-Loanch-Opiniones-Loanch-Avis-300x169.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Fingular-Loanch-Review-Loanch-Opiniones-Loanch-Avis-1024x576.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Fingular-Loanch-Review-Loanch-Opiniones-Loanch-Avis-768x432.png 768w\" data-sizes=\"(max-width: 1200px) 100vw, 1200px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/675;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-36972\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Fingular-Loanch-Review-Loanch-Opiniones-Loanch-Avis.png\" alt=\"Loanch-Review-2026-Fingular\" width=\"1200\" height=\"675\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Fingular-Loanch-Review-Loanch-Opiniones-Loanch-Avis.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Fingular-Loanch-Review-Loanch-Opiniones-Loanch-Avis-300x169.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Fingular-Loanch-Review-Loanch-Opiniones-Loanch-Avis-1024x576.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Fingular-Loanch-Review-Loanch-Opiniones-Loanch-Avis-768x432.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/noscript><\/a><\/p>\r\n<p>Structurally, it is not unusual for P2P marketplaces to serve as a financing channel for the lending business of affiliated companies, as seen for example with <a href=\"https:\/\/rethink-p2p.de\/en\/peerberry-review\/\" target=\"_blank\" rel=\"noopener\"><strong>PeerBerry<\/strong><\/a> or <a href=\"https:\/\/rethink-p2p.de\/en\/robocash-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Robocash<\/strong><\/a>. However, unlike the group guarantee offered by the Aventus Group on PeerBerry, there is no group-wide guarantee covering all loan originators on Loanch.<\/p>\r\n<p>FINGULAR PTE. LTD. is reported to have two co-owners:<\/p>\r\n<ul>\r\n<li><strong>Vadim Gurinov:<\/strong> A Russian businessman, founder of JSC Cordiant and Service-Telecom<\/li>\r\n<li><strong>Maxim Chernushchenko:<\/strong> Founder and former CEO of Cashwagon (see the &#8220;Current Risk Notices&#8221; section below)<\/li>\r\n<\/ul>\r\n<p>The exact ownership split within Fingular is not publicly disclosed.<\/p>\r\n<hr \/>\r\n<h2>Investing with Loanch<\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-P2P-Kredite-Loanch-Review-Investing-Loanch-Opiniones-Loanch-Avis.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-36976 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-P2P-Kredite-Loanch-Review-Investing-Loanch-Opiniones-Loanch-Avis.png\" alt=\"Loanch-Review-Investing-P2P\" width=\"500\" height=\"449\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-P2P-Kredite-Loanch-Review-Investing-Loanch-Opiniones-Loanch-Avis.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-P2P-Kredite-Loanch-Review-Investing-Loanch-Opiniones-Loanch-Avis-300x269.png 300w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/449;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-36976 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-P2P-Kredite-Loanch-Review-Investing-Loanch-Opiniones-Loanch-Avis.png\" alt=\"Loanch-Review-Investing-P2P\" width=\"500\" height=\"449\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-P2P-Kredite-Loanch-Review-Investing-Loanch-Opiniones-Loanch-Avis.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-P2P-Kredite-Loanch-Review-Investing-Loanch-Opiniones-Loanch-Avis-300x269.png 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a>On the Loanch platform, investors purchase claims from consumer loans. These are predominantly short-term loans with terms ranging from a few days to a few months. The minimum investment is EUR 10, and an Auto Invest feature is available as well. There is currently no secondary market, which matters less given the short loan terms.<\/p>\r\n<p>Interest rates range between 13% and 15%, depending on the loan originator and offer. The loyalty programme can add up to one additional percentage point. Loanch does not charge fees for deposits, investments, or withdrawals.<\/p>\r\n<p>On the positive side, Loanch does not withhold taxes on interest earned, and an earnings statement is available for download in the account.<\/p>\r\n<p>The buyback guarantee on Loanch kicks in after 30 days of payment default, shorter than the market standard of 60 days. However, this guarantee is only as valuable as the creditworthiness of the loan originator standing behind it.<\/p>\r\n<hr \/>\r\n<h2>Loanch Risk<\/h2>\r\n<p>The risks at Loanch cannot be read off the usual metrics, because those metrics do not exist. The platform is unregulated, publishes no audited financial statements, and relies on two to three loan originators that all belong to the same parent company.<\/p>\r\n<p>The real risk lies less in any individual loan and more in the structure above it. Investing with Loanch means entrusting your capital to a single group that simultaneously runs the marketplace, supplies the loan originators, and owes the buyback guarantee.<\/p>\r\n<p>The following sections break this structure down into Platform Risk, Financial Stability, Loan Originator Risk, and Current Risk Notices.<\/p>\r\n<h3>Platform Risk<\/h3>\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 25 of 31<\/div>\n    <\/div>\n    <div class=\"ss-head-right\">\n      <span class=\"ss-score\" style=\"color:#E24B4A\">3.9<\/span>\n      <span class=\"ss-of10\">\/ 10<\/span>\n      <span class=\"ss-pill ss-pill--high\">High 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>\n      <span class=\"ss-cat-pts\">0 \/ 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>\n      <span class=\"ss-cat-pts\">0 \/ 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--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">15 \/ 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--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">25 \/ 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--y\" style=\"width:36%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">9 \/ 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--bad\">-10<\/span><\/span>\n      <span class=\"ss-rf-chevron\"><\/span>\n    <\/summary>\n    <div class=\"ss-rf-body\">\n      <div class=\"ss-rf-cluster\">\n        <div class=\"ss-rf-cluster-title\">Cluster A: Governance Issues <span class=\"ss-rf-cluster-pts\">(-10)<\/span><\/div>\n        <div class=\"ss-rf-item\">Cashwagon, founded by Loanch owner Maxim Chernushenko, raised capital through Mintos for several lenders. These defaulted in 2020, and Mintos classified EUR 5.7 million as bad debt <span class=\"ss-rf-pts\">-10<\/span><\/div>\n      <\/div>\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<p>Loanch has been operated by the Croatian company PRZEMEK SAVJETOVANJE d.o.o. since March 2026. The platform holds no licence under the EU Crowdfunding Regulation (ECSPR), no MiFID II authorisation, and no other approval from a European financial regulator.<\/p>\r\n<p>As a result, Loanch is not subject to ongoing supervision, capital requirements, or compliance obligations toward any authority. There is consequently no investor compensation scheme either.<\/p>\r\n<p>Loanch&#8217;s track record is also still comparatively short. The platform has only been operational since the end of 2023, less than three years. An audited annual report of the operating company has never been published, either for the Hungarian or the Croatian entity.<\/p>\r\n<p>Transparency is missing as well. No statistics page has been published to date, and there is no information on the total investor assets managed by the platform. Figures on investor numbers and investment volume come exclusively from the platform&#8217;s own blog posts, which cannot be independently verified.<\/p>\r\n<h4>Segregation of Funds and Deposit Protection<\/h4>\r\n<p>Because Loanch holds no licence, there is no regulatory requirement for the company to segregate client funds. The platform nonetheless states that investor funds are held separately from company assets at its payment provider. This claim has not yet been independently confirmed. Following the licence revocation at Quicko, it was temporarily unclear which provider was even holding the funds.<\/p>\r\n<p>Investments offered through Loanch are not protected by any national or European deposit protection scheme. Investors should therefore be aware that the invested capital is subject to a genuine risk of loss, that returns are not guaranteed, and that they may not receive back the full amount invested.<\/p>\r\n<h4>Loanch in Crisis Situations<\/h4>\r\n<p>On 21 January 2026, the Polish financial regulator KNF revoked the payment services licence of Quicko sp. z o.o. (<strong><a href=\"https:\/\/www.knf.gov.pl\/?articleId=96890&amp;p_id=18\">source<\/a><\/strong>), Loanch&#8217;s payment partner. The platform <strong><a href=\"https:\/\/loanch.com\/de\/blog\/notification-of-changes-to-the-loanch-service\">confirmed the development a few days later<\/a><\/strong> and suspended further deposits as a result.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Quicko-Loanch-Review-Payment-Stopp-Loanch-Opiniones-Loanch-Avis.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-36980 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Quicko-Loanch-Review-Payment-Stopp-Loanch-Opiniones-Loanch-Avis.png\" alt=\"Loanch-Review-Payment-Stopp-2026-Quicko\" width=\"1094\" height=\"438\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Quicko-Loanch-Review-Payment-Stopp-Loanch-Opiniones-Loanch-Avis.png 1094w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Quicko-Loanch-Review-Payment-Stopp-Loanch-Opiniones-Loanch-Avis-300x120.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Quicko-Loanch-Review-Payment-Stopp-Loanch-Opiniones-Loanch-Avis-1024x410.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Quicko-Loanch-Review-Payment-Stopp-Loanch-Opiniones-Loanch-Avis-768x307.png 768w\" data-sizes=\"(max-width: 1094px) 100vw, 1094px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1094px; --smush-placeholder-aspect-ratio: 1094\/438;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-36980\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Quicko-Loanch-Review-Payment-Stopp-Loanch-Opiniones-Loanch-Avis.png\" alt=\"Loanch-Review-Payment-Stopp-2026-Quicko\" width=\"1094\" height=\"438\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Quicko-Loanch-Review-Payment-Stopp-Loanch-Opiniones-Loanch-Avis.png 1094w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Quicko-Loanch-Review-Payment-Stopp-Loanch-Opiniones-Loanch-Avis-300x120.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Quicko-Loanch-Review-Payment-Stopp-Loanch-Opiniones-Loanch-Avis-1024x410.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-2026-Quicko-Loanch-Review-Payment-Stopp-Loanch-Opiniones-Loanch-Avis-768x307.png 768w\" sizes=\"(max-width: 1094px) 100vw, 1094px\" \/><\/noscript><\/a><\/p>\r\n<p>Withdrawals were subsequently unavailable or restricted for several months as well. It was not until the end of April 2026 that Loanch <strong><a href=\"https:\/\/loanch.com\/de\/blog\/platform-functionality-fully-restored\">reported the full restoration<\/a><\/strong> of payment processing through a new provider.<\/p>\r\n<p>Loanch attributes the delay to stricter AML and compliance requirements from the new payment providers, the technical integration work involved, and the parallel establishment of the new Croatian entity. This explanation is plausible and fits the timeline of the KNF decision and the change of operator. Ultimately, though, it remains a statement from the platform, not an independently confirmed finding.<\/p>\r\n<p>What matters for the risk assessment is what investors actually experienced. For more than three months, access to their own capital was not possible. The trigger lay outside Loanch&#8217;s control, but the consequences for investors did not. A P2P platform whose entire payment infrastructure depends on a single provider carries a real operational concentration risk. Loanch has announced that it will use multiple payment providers in parallel going forward. Whether this is actually implemented cannot be verified.<\/p>\r\n<hr \/>\r\n<h3>Financial Stability<\/h3>\r\n<p>Loanch has not published any annual financial statements to date. Neither a balance sheet nor a profit and loss statement is available, either for RiseTech Kft. or for PRZEMEK SAVJETOVANJE d.o.o. As a result, no conclusions can be drawn about profitability, capital adequacy, or whether the platform covers its costs through ongoing operations.<\/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\">No financial statement is published for investors.<\/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-red\"><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=\"m15 9-6 6\"\/><path d=\"m9 9 6 6\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Auditor: Not Available<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">No external audit firm engaged.<\/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-red\"><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=\"m15 9-6 6\"\/><path d=\"m9 9 6 6\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Standard: Not Available<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">No audited financial statement available.<\/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>What is known is that the operating Croatian company is capitalised with a share capital of EUR 5,000. That is the statutory minimum for a d.o.o. and would contribute nothing toward covering investor claims in the event of insolvency.<\/p>\r\n<p>Transparency is also lacking at the group level as Fingular has not published a consolidated and audited financial statement to date. As a result, the financial stability of the group cannot be assessed as a whole either.<\/p>\r\n<hr \/>\r\n<h3>Loan Originator Risk<\/h3>\r\n<p>Investors should look into the financials and audited statements of the individual loan originators. Below is a summary based on the criteria of my in-house <a href=\"https:\/\/rethink-p2p.de\/en\/loan-originators\/\" target=\"_blank\" rel=\"noopener\"><strong>lender comparison <\/strong><\/a>page.<\/p>\r\n<figure class=\"wp-block-table is-style-regular has-small-font-size kg-wrap\"><table class=\"kg-table\"><thead><tr><th class=\"kg-sort\" data-col=\"0\"><strong>Lender<\/strong><\/th><th class=\"kg-sort\" data-col=\"1\"><strong>Year<\/strong><\/th><th class=\"kg-sort\" data-col=\"2\"><strong>Audited<\/strong><\/th><th class=\"kg-sort\" data-col=\"3\"><strong>Profit<\/strong><\/th><th class=\"kg-sort\" data-col=\"4\"><strong>ROA<\/strong><\/th><th class=\"kg-sort\" data-col=\"5\"><strong>Equity<\/strong><\/th><th class=\"kg-sort\" data-col=\"6\"><strong>Liquidity<\/strong><\/th><th class=\"kg-sort\" data-col=\"7\"><strong>Losses<\/strong><\/th><th class=\"kg-sort kg-desc\" data-col=\"8\"><strong>Score<\/strong><\/th><\/tr><\/thead><tbody><tr><td data-sort=\"tambadana my\">Tambadana (MY)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/dcms.loanch.com\/assets\/8efb1e53-b1d6-4e1e-8ad7-8ad333eea737.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stabil\" data-sort=\"azlan aziz\">Azlan Aziz<\/td><td class=\"stark\" data-sort=\"1883565\">EUR 1.9M<\/td><td class=\"stark\" data-sort=\"11.5\">11.5%<\/td><td class=\"mittel\" data-sort=\"20.4\">20.4%<\/td><td class=\"mittel\" data-sort=\"1.3\">1.30<\/td><td class=\"kritisch\" data-sort=\"41.6\">41.6%<\/td><td class=\"mittel\" data-sort=\"62\">62<\/td><\/tr><tr><td data-sort=\"ammana sg\">Ammana (SG)<\/td><td data-sort=\"2023\"><strong><a href=\"https:\/\/dcms.loanch.com\/assets\/51cfde0f-aef2-4562-8ce6-8bf525e00d18.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2023<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"helmi talib\">Helmi Talib<\/td><td class=\"kritisch\" data-sort=\"-3741694\">EUR (3.7M)<\/td><td class=\"kritisch\" data-sort=\"-380.3\">(380.3%)<\/td><td class=\"kritisch\" data-sort=\"-522.5\">(522.5%)<\/td><td class=\"stark\" data-sort=\"2.36\">2.36<\/td><td class=\"kritisch\" data-sort=\"77.1\">77.1%<\/td><td class=\"kritisch\" data-sort=\"36\">36<\/td><\/tr><tr><td data-sort=\"ahapay my\">AhaPay (MY)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/dcms.loanch.com\/assets\/9684e312-5ee0-46ef-9ea1-b2e621de907f.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stabil\" data-sort=\"sfai\">SFAI<\/td><td class=\"kritisch\" data-sort=\"-824094\">EUR (824K)<\/td><td class=\"kritisch\" data-sort=\"-39.4\">(39.4%)<\/td><td class=\"kritisch\" data-sort=\"-16\">(16.0%)<\/td><td class=\"risiko\" data-sort=\"0.86\">0.86<\/td><td class=\"kritisch\" data-sort=\"191.6\">191.6%<\/td><td class=\"kritisch\" data-sort=\"34\">34<\/td><\/tr><\/tbody><\/table><\/figure><script data-category=\"functional\" src=\"https:\/\/rethink-p2p.de\/wp-content\/themes\/maxwell\/kreditgeber-sort.js?v=1787559527\"><\/script>\r\n<p><strong>Tambadana<\/strong> is a Malaysian short-term consumer lender founded in 2014. The 2024 statement is the only one of the three to show a profit, following a loss of EUR 3.45 million in 2023. Return on assets is correspondingly strong at 15.2%, as is liquidity at a ratio of 2.63. What stands out is portfolio quality: 27.6% of the gross loan book is impaired, alongside a revenue jump from EUR 1.7 million to EUR 26.4 million within a single year. Rapid growth bought at the cost of a high impairment charge.<\/p>\r\n<p><strong>Ammana<\/strong> operates its lending business in Indonesia. Its most recent audited financial statement dates from the 2023 financial year. The figures are largely cause for concern. The most recent loss stood at EUR 3.74 million, equity was negative at EUR 6.4 million, and 86.7% of the gross loan book was impaired. New Ammana loans have not been available since March 2026.<\/p>\r\n<p><strong>AhaPay<\/strong> is a Malaysian BNPL provider founded only in May 2024. In 2025 it posted a loss of roughly EUR 824,000, and equity is negative at -16.0% of total assets. Refinancing comes 96% from group companies. Portfolio quality cannot be assessed, as the statement does not disclose the gross loan book.<\/p>\r\n<hr \/>\r\n<h3>Current Risk Notices<\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-Maxim-Chernushchenko-Loanch-Review-2026-Loanch-Opiniones-Loanch-Avis.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-36984 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-Maxim-Chernushchenko-Loanch-Review-2026-Loanch-Opiniones-Loanch-Avis.png\" alt=\"Loanch-Review-Maxim-Chernushchenko\" width=\"350\" height=\"350\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-Maxim-Chernushchenko-Loanch-Review-2026-Loanch-Opiniones-Loanch-Avis.png 669w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-Maxim-Chernushchenko-Loanch-Review-2026-Loanch-Opiniones-Loanch-Avis-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-Maxim-Chernushchenko-Loanch-Review-2026-Loanch-Opiniones-Loanch-Avis-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-Maxim-Chernushchenko-Loanch-Review-2026-Loanch-Opiniones-Loanch-Avis-70x70.png 70w\" data-sizes=\"(max-width: 350px) 100vw, 350px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 350px; --smush-placeholder-aspect-ratio: 350\/350;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-36984\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-Maxim-Chernushchenko-Loanch-Review-2026-Loanch-Opiniones-Loanch-Avis.png\" alt=\"Loanch-Review-Maxim-Chernushchenko\" width=\"350\" height=\"350\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-Maxim-Chernushchenko-Loanch-Review-2026-Loanch-Opiniones-Loanch-Avis.png 669w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-Maxim-Chernushchenko-Loanch-Review-2026-Loanch-Opiniones-Loanch-Avis-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-Maxim-Chernushchenko-Loanch-Review-2026-Loanch-Opiniones-Loanch-Avis-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Loanch-Erfahrungen-Maxim-Chernushchenko-Loanch-Review-2026-Loanch-Opiniones-Loanch-Avis-70x70.png 70w\" sizes=\"(max-width: 350px) 100vw, 350px\" \/><\/noscript><\/a>Maxim Chernushchenko, founder and co-owner of Fingular, was previously founder and CEO of Cashwagon, a position he does not list <a href=\"https:\/\/www.linkedin.com\/in\/maximchernuschenko\/\" target=\"_blank\" rel=\"noopener\"><strong>on his LinkedIn profile<\/strong><\/a>. Cashwagon refinanced itself through <strong><a href=\"https:\/\/rethink-p2p.de\/en\/mintos-review\/\">Mintos<\/a><\/strong> and operated loan originators in the Philippines, Vietnam, and Indonesia. In June 2020, operations in all three countries came to a halt after authorities launched investigations and froze accounts. Allegations at the time centred on excessive interest rates and aggressive debt collection practices. All three loan originators subsequently defaulted.<\/p>\r\n<p>In March 2023, Mintos estimated the recovery rate for investors at 0 to 25%. In 2026, Mintos wrote the claims off entirely. The realised loss for investors is estimated at roughly EUR 6 to 7 million, with the exact figure depending on how the individual entities are attributed.<\/p>\r\n<p>Chernushchenko and representatives of the group argue that the problems were a consequence of regulatory intervention, the Covid-19 pandemic, and external circumstances, rather than any wrongdoing on their part.<\/p>\r\n<p>Regardless of where fault lies, this does not change its relevance to the assessment of Loanch. The same person now leads a group that once again refinances Southeast Asian consumer loans for European retail investors, this time without a regulated marketplace in between and without published financial statements. Investing with Loanch means trusting the same constellation a second time, under weaker transparency conditions than the first.<\/p>\r\n<hr \/>\r\n<h2>Advantages and Disadvantages<\/h2>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#0aad27;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Advantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Interest Rates:<\/strong> Above-average returns of up to 15% are possible.<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Buyback Period:<\/strong> Buyback kicks in after 30 days rather than the market-standard 60.<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Liquidity:<\/strong> Capital becomes available again quickly under normal repayment schedules.<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>No Fees:<\/strong> No charges for deposits, investments, or withdrawals.<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#cc3300;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Disadvantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>No Financial Statements:<\/strong> Neither the platform nor its parent company Fingular has ever published an audited annual report<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>No Genuine Marketplace:<\/strong> The platform and its loan originators belong to the same group.<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>No Regulation:<\/strong> Loanch is not overseen by any financial regulator.<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>2026 Withdrawal Freeze:<\/strong> Three months with no access to invested capital.<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Owner&#8217;s Track Record:<\/strong> Cashwagon default on Mintos caused investors losses in the millions.<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>No Group Guarantee:<\/strong> The buyback depends solely on the individual loan originator.<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n<hr \/>\r\n<h2>Summary Loanch Review<\/h2>\r\n<p>Loanch is not a genuine marketplace but a refinancing channel for the group&#8217;s own loan originators. That is not inherently a bad thing. Platforms like PeerBerry and Robocash function in a structurally similar way. The difference lies in what the group discloses and in its track record.<\/p>\r\n<p>To date, Loanch has published no audited financial statements, neither for its former operator (RiseTech Kft.) nor for its current one (PRZEMEK SAVJETOVANJE d.o.o.). On top of that comes the track record of Fingular&#8217;s founder and CEO, whose earlier role at Cashwagon ended in a write-off in the millions for Mintos investors.<\/p>\r\n<p>And while established platforms spread their payment infrastructure across multiple providers, Loanch&#8217;s entire payment processing depended on a single provider, whose licence revocation blocked investor access to funds for three months.<\/p>\r\n<p>The 15% interest on Loanch is not a gift. It is the price a group has to pay when it has no other way to refinance itself. Investors who take this on deliberately, as a high-risk position of clearly limited size, are making an informed decision. Investors who trust Loanch because of cashback promotions, return promises, and marketing from P2P influencers are not.<\/p>\r\n<p>Given the current overall assessment, I am not pursuing a personal investment in Loanch at this time. Because I also consider the risk profile too high, I am deliberately not using affiliate links in this article.<\/p>\r\n<hr \/>\r\n<h3>Loanch Alternatives<\/h3>\r\n<p>Here are three Loanch alternatives from the current P2P market.<\/p>\r\n<p><strong>PeerBerry:<\/strong> Also incorporated in Croatia, PeerBerry works with partners from the Aventus Group. Compared to Loanch, PeerBerry is considerably broader and more transparent, and stands out for its strong performance during crises and reliable repayment quality. More information in my <strong><a href=\"https:\/\/rethink-p2p.de\/en\/peerberry-review\/\">PeerBerry review<\/a><\/strong>.<\/p>\r\n<p><strong>Income Marketplace:<\/strong> An unregulated P2P marketplace headquartered in Estonia that markets itself through innovative safety features designed to better protect investors from problematic loan originators. Offers an attractive combination of high interest rates and strong liquidity. More information in my <strong><a href=\"https:\/\/rethink-p2p.de\/en\/income-marketplace-review\/\">Income Marketplace review<\/a><\/strong>.<\/p>\r\n<p><strong>Nectaro:<\/strong> A P2P marketplace based in Latvia, regulated under MiFID II and backed by an internationally established group. Nectaro is aimed at investors looking to combine attractive double-digit return expectations with a manageable risk profile. More information in my <strong><a href=\"https:\/\/rethink-p2p.de\/en\/nectaro-review\/\">Nectaro review<\/a><\/strong>.<\/p>\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>FAQ Loanch<\/h2>\r\n<p><!-- \/wp:yoast\/faq-block --><\/p>\r\n<!-- wp:yoast\/faq-block {\"questions\":[{\"id\":\"faq-question-1784129038087\",\"question\":[\"\u2705 \",{\"type\":\"strong\",\"props\":{\"children\":[\"Is Loanch regulated?\"]}}],\"answer\":[\"No. Loanch holds neither an ECSP licence under the EU Crowdfunding Regulation nor a MiFID II authorisation. The platform is therefore not subject to any financial regulator, and there is no investor compensation scheme.\"],\"jsonQuestion\":\"\u2705 \\u003cstrong\\u003eIs Loanch regulated?\\u003c\/strong\\u003e\",\"jsonAnswer\":\"No. Loanch holds neither an ECSP licence under the EU Crowdfunding Regulation nor a MiFID II authorisation. The platform is therefore not subject to any financial regulator, and there is no investor compensation scheme.\"},{\"id\":\"faq-question-1784129039568\",\"question\":[\"\u2705 \",{\"type\":\"strong\",\"props\":{\"children\":[\"Why were withdrawals blocked at Loanch?\"]}}],\"answer\":[\"On 21 January 2026, the Polish regulator KNF revoked the licence of payment provider Quicko sp. z o.o. Quicko processed Loanch's payments. Deposits and withdrawals were consequently unavailable or restricted for roughly three months. Since the end of April 2026, payment processing has, according to Loanch, run through a new provider.\"],\"jsonQuestion\":\"\u2705 \\u003cstrong\\u003eWhy were withdrawals blocked at Loanch?\\u003c\/strong\\u003e\",\"jsonAnswer\":\"On 21 January 2026, the Polish regulator KNF revoked the licence of payment provider Quicko sp. z o.o. Quicko processed Loanch's payments. Deposits and withdrawals were consequently unavailable or restricted for roughly three months. Since the end of April 2026, payment processing has, according to Loanch, run through a new provider.\"},{\"id\":\"faq-question-1784129040487\",\"question\":[\"\u2705 \",{\"type\":\"strong\",\"props\":{\"children\":[\"Who owns Loanch?\"]}}],\"answer\":[\"The platform has been operated by the Croatian company PRZEMEK SAVJETOVANJE d.o.o. since March 2026. Singapore-based Fingular Pte. Ltd. announced a stake in 2024. Fingular also owns the loan originators Tambadana, Ammana, and AhaPay. Co-owner of Fingular is Maxim Chernushchenko, formerly CEO of Cashwagon.\"],\"jsonQuestion\":\"\u2705 \\u003cstrong\\u003eWho owns Loanch?\\u003c\/strong\\u003e\",\"jsonAnswer\":\"The platform has been operated by the Croatian company PRZEMEK SAVJETOVANJE d.o.o. since March 2026. Singapore-based Fingular Pte. Ltd. announced a stake in 2024. Fingular also owns the loan originators Tambadana, Ammana, and AhaPay. Co-owner of Fingular is Maxim Chernushchenko, formerly CEO of Cashwagon.\"},{\"id\":\"faq-question-1784129041311\",\"question\":[\"\u2705 \",{\"type\":\"strong\",\"props\":{\"children\":[\"How secure is the buyback guarantee at Loanch?\"]}}],\"answer\":[\"The buyback guarantee kicks in after 30 days of default and is provided by the respective loan originator, not by the platform and not by the group. There is no group-wide guarantee. Its value therefore depends solely on the solvency of the individual loan originator.\"],\"jsonQuestion\":\"\u2705 \\u003cstrong\\u003eHow secure is the buyback guarantee at Loanch?\\u003c\/strong\\u003e\",\"jsonAnswer\":\"The buyback guarantee kicks in after 30 days of default and is provided by the respective loan originator, not by the platform and not by the group. There is no group-wide guarantee. Its value therefore depends solely on the solvency of the individual loan originator.\"},{\"id\":\"faq-question-1784129042895\",\"question\":[\"\u2705 \",{\"type\":\"strong\",\"props\":{\"children\":[\"What returns does Loanch offer?\"]}}],\"answer\":[\"Interest rates range between 13 and 15%, depending on the loan originator. No independently audited figure on the net return actually realised across all investors has been published to date.\"],\"jsonQuestion\":\"\u2705 \\u003cstrong\\u003eWhat returns does Loanch offer?\\u003c\/strong\\u003e\",\"jsonAnswer\":\"Interest rates range between 13 and 15%, depending on the loan originator. No independently audited figure on the net return actually realised across all investors has been published to date.\"}]} -->\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1784129038087\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 <strong>Is Loanch regulated?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">No. Loanch holds neither an ECSP licence under the EU Crowdfunding Regulation nor a MiFID II authorisation. The platform is therefore not subject to any financial regulator, and there is no investor compensation scheme.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1784129039568\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 <strong>Why were withdrawals blocked at Loanch?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">On 21 January 2026, the Polish regulator KNF revoked the licence of payment provider Quicko sp. z o.o. Quicko processed Loanch&#8217;s payments. Deposits and withdrawals were consequently unavailable or restricted for roughly three months. Since the end of April 2026, payment processing has, according to Loanch, run through a new provider.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1784129040487\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 <strong>Who owns Loanch?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">The platform has been operated by the Croatian company PRZEMEK SAVJETOVANJE d.o.o. since March 2026. Singapore-based Fingular Pte. Ltd. announced a stake in 2024. Fingular also owns the loan originators Tambadana, Ammana, and AhaPay. Co-owner of Fingular is Maxim Chernushchenko, formerly CEO of Cashwagon.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1784129041311\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 <strong>How secure is the buyback guarantee at Loanch?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">The buyback guarantee kicks in after 30 days of default and is provided by the respective loan originator, not by the platform and not by the group. There is no group-wide guarantee. Its value therefore depends solely on the solvency of the individual loan originator.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1784129042895\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 <strong>What returns does Loanch offer?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">Interest rates range between 13 and 15%, depending on the loan originator. No independently audited figure on the net return actually realised across all investors has been published to date.<\/p>\r\n<\/div>\r\n<\/div>\r\n<!-- \/wp:yoast\/faq-block -->","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":37037,"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>Loanch Review 2026: Too Risky?<\/title>\n<meta name=\"description\" content=\"Independent Loanch Review with No Affiliate Link: Ownership Structure, the Cashwagon History, the 2026 Withdrawal Freeze, and other Red Flags.\" \/>\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\/loan-originators\/\" \/>\n<meta property=\"og:locale\" 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