While the criteria for issuing loans… While the criteria for issuing loans could be made stricter, the overall performance is good. I like the serious attitude towards client's money and the fact that they take steps to minimize the platform's risk (I.e. they separate client's money from their own bank accounts).

I would not recommend I would not recommend. It looked promising at the begining, but the way they implement new fees is pushing away new investors. It's absolute true about bad loans and a bit shady activity behind the scene - you will notice that when you start investing - at most cases you'll get only bare details about your customer/applicant which is quite difficult to rely on for investor, and that was one of the biggest factors moved me away from Neo.

Transparent P2P I trust most of my investments to the service of this company (Paskolu klubas in Lithuania), mainly because of their transparency.

Good idea, but big room to improve Idea is good, but not simple enough. System requires massive checkboxes and confirmations on every loan. Sms codes are extremely annoying making manual investments on many loans nearly impossible at reasonable time. I have tried many similar platforms and guys, you have solid room to improve. Due to this complexity and time consumption you are not my primary platform even if i like it conceptually. Romuald

Clear terms and fully documented loans… Clear terms and fully documented loans and proper credit risk assessment witch in my opinion offers best platform online yet for investing