DoFinance review – A good investment opportunity


  • 100% buyback guarantee
  • Up to 11% in return
  • Invest in short-term consumer loans

My personal DoFinance review 2020

My review is updated continually and to make sure everything is current.

You can read more about the company behind the DoFinance platform and what to expect from this investment opportunity.

Let’s dive into it!


What is DoFinance?

DoFinance is a P2P lending platform in Europe. They make it possible for you to invest in loans and receive ongoing interest every month.

DoFinance is owned by Alfa Finance Group with the following company structure:


DoFinance Company Structure

The platform is started by two Latvian brothers Viesturs and Jānis Kuļikovskis.

They started in 2015 where they founded the Alfa Finance Group to provide short-term consumer loans. 

Meanwhile, they spent 2 years developing the platform to launch in 2017. 

Since then, they have financed loans for more than 62 million Euro to more than 190,000 different borrowers.

What kind of returns can I expect?

The interest rate offered is up to +11%.

You must invest at least 10 EUR in a loan which is very normal.

DoFinance offers 4 different auto-invest strategies on the platform to make it easy for you to invest. Then you just choose the terms, returns, and risks that suits you.

The sign-up is a simple process

When you sign up you just need to provide basic information about yourself (email and password). It’s very easy.

To use the platform you must be 18 years old.

They accept investments from Europe (also Norway, Iceland, Liechtenstein or Switzerland) or any other country of the EEZ.

Companies can also register.

You need to provide a valid ID document (passport or identification card) for complete registration.

When you invest you should transfer money in euro. I do this with my Transferwise account to save money. You can also just make a bank transfer (SEPA).

6 facts about DoFinance


  1. The platform went online in 2017.
  2. The company is located in Latvia and Indonesia.
  3. They have their own loan originators from Latvia, Poland, Georgia, and Indonesia on the platform. 
  4. +3500 investors have joined the marketplace.
  5. All loans are pre-funded and with 100% buyback guarantee
  6. Up to +12% is the annual return to investors (with the promo code on this page)

Okay. Let’s go further into this DoFinance review…

The platform is very easy to understand and simple to use. 

If you are newer within P2P lending then this is a good choice in my opinion.

The P2P lending investment

The platform only has short-term consumer loans (on average 29 days). 

Alfa Finance Group holds 10% skin in the game which I think is really good and shows that they take the loan agreement seriously.

The availability of loans is pretty good

About 1000 loans were available when I looked around last time.  

All loans on the platform have a buyback guarantee which is really good. 

Therefore there is also no secondary market.

The loan originator will without any delays pay you back if the borrower can’t pay. You will get the whole principal and accrued interest amount.

No risk rating is available, but they provide great information about the borrower. 

DoFinance sends no information to any Tax Agency or deducts taxes. You must do it yourself in your country.

DoFinance on social media



That’s it.
I hope you liked my DoFinance review 🙂

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Peter Michael

I'm an investor and the blogger behind My Investment Blog. I write about investment, financial independence, personal finance, and personal development. I try to combine the topics and show my journey towards financial freedom.

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