"Lack of information of Wando finance"

Lack of information of Wando finance? Why there is no published data of them? Results,balance sheet etc?

"One of the better platforms."

Swaper has the potential to be one of the best platforms out there. The returns are extraordinary (14% across the board and 16% across the board if you invest 5000 or more). The one major drawback is cash drag (a lack of loans available to invest in). This means you can be waiting some time for your money to be autoinvested. It also means the actual returns are probably a little less than 14-16% but still higher than most competition. If Swaper managed to increase the amount of loans available, it would be truly exceptional. As it is, it remains a very good option, and definitely better than a lot of the reviews here imply. Feel free to use this referral code for a bonus when signing up:
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Thanks so much and best of luck with your investments!

"No interest for delayed time"

No interest for delayed time. So realized profit might be very poor. Now the last euros just coming back home after withdrawn . A 14 days loan took over 8 months to buy back.

"Swaper collects personal data including…"

Swaper collects personal data including scans of id knowing in advance that they are not going to provide any services. So, they ask for a country of residence on the first step of registration, on the second step they ask for scans of id. A couple of hours later they send an email with: "Please note that unfortunately we will not be able to process your registration at this time, as we currently do not accept new investors from [country name]." They should've informed about this before getting to step 2 and collect the rest of the personal data.

"Swaper is dies"

Swaper is dies. No or few available loans. Poor functionality. Im out!

"After having invested for the last 4…"

After having invested for the last 4 months on Swaper, one behaviour pattern of the auto-invest platform became clear to me: 50% of my loans moved from status current to delayed, and 10% of the current ones moved to the status extended. Up to now, very few (if any) of the loans were paying according to schedule. In other words, the loans are not performing from what I can see, and you need to wait at least 2 to 3 months to see some "reinvestment" activity going on. This clearly drawed the IRR and thus the overall performance of my portfolio down. From my point of view, if your goal is to have an alternative approach to a "saving account" that pays 12% to 14%, this easy-to-use platform could be one of my choices. However, if your goal is to achieve a high performance with performing loans, then I would search other platforms. This is the reason why I am moving 80% of my funds to another more performing platform. I am however still leaving 20% of my funds on swaper.

"High interest potential but intransparent platform"

1. Platform Look & Usability (Dashboard, XIRR, Auto-Invest, Reports) - in general missing reporting funcionalities, should be improved - 0/1 points
2. Platform Service (Deposit, Withdrawal, Communication, Support) nothing to complain until now - 1/1 points
3. Diversification (Countries/Originators): most loans from Poland, loans from other countries are rarely added, no information about loans or originators - 0/1 points
4. Interest Rates: 12% (14% with an invest of more than 5k EUR) is fine - 1/1 points
5. Loan amount: not sufficient except for loans from Poland - 0/1 points
6. Buyback Guarantee: yes - 1/1 points
7. Loan Conditions (Grace Period, Late fees): no grace period, fine - 1/1 points
8. Secondary Market: yes - 1/1 points

Summary: 5/8 points in my personal rating - due to missing transparency and lack of diversification options currently only a platform diversification. In case you are willing to invest 5.000+ EUR you can expect a high interest rate above average compared to other platforms.

"sehr gute P2P Plattform mit guten…"

sehr gute P2P Plattform mit guten Renditen. Nachteil: Meistens zu wenig Kredite zum Investieren verfügbar

"Absolutely No Loans Available - Auto-Invest or Manual Invest"

Unlike other P2P platforms I selected for trial investments, after several days auto-invest hasn't picked a single loan.Furthermore. manually there isn't a single loan available.

Conclusion, all money from first deposit is just sitting there, zero invested.

I'm obviously not happy with it.

So, if situation persists I definitely can't recommend Swaper

"Really a great interface and…"

Really a great interface and comfortable way of investing. Not yet sure how the long-term performance will be, but 12% interest and a buy-back with an auto-invest ratio of >90% is super.