Peer-to-peer loan listings — active offers
Directly from private individuals — no intermediaries. Browse «I invest» and «I need a loan» listings, filter by amount, region and interest. Browsing is free, no registration.
Consumer credit directly from a licensed lender.
Representative example: €5,000, 5 yr, APR 19.90%, monthly ~€132, total ~€7,920. Ad · not a Vertaislaina24 loan · age 20+
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+ Post your listingEtsin yksityishenkilöä, joka voisi lainata minulle 2 500€. Olen vakituisessa työsuhteessa ja minulla on säännölliset kuu
Tarvitsen siis lainaa maksaakseni omia henkilökohtaisia lainoja pois. Olen erittäin vaikeassa taloudellisessa tilanteess
Consumer credit directly from a licensed lender.
Representative example: €5,000, 5 yr, APR 19.90%, monthly ~€132, total ~€7,920. Ad · not a Vertaislaina24 loan · age 20+
Arjen menot, vakituinen työ
Minulla on vakituinen työ, palkka on n. 2000e/kk. Tarvitsen rahaa huonekalujen ostoon ja muutto kuluihin muutenkin.
Job with upto 2500 salary
Offer loan against collateral. Notarised contract. Stable rate.
How to read a listing before you answer it
Every listing on this board is written by a private individual, not by a credit institution. Nobody has scored the person behind it, nobody has verified the income figure, and no algorithm has ranked the offers for you. That is the trade-off of a classifieds model: it is cheap and fast, and the entire assessment is yours to make.
Read a listing the way an underwriter would — looking for what is missing rather than what is promised. A listing that states an amount, a term, a purpose and a source of repayment is telling you something checkable. A listing that leads with urgency and says nothing about repayment is telling you something too.
Vertaislaina24 does not grant loans, does not intermediate them and takes no cut of any agreement. We publish listings; the contract and the money move directly between the two parties. Our position in Finnish law is set out on the legal status page.
What the numbers in a listing actually mean
Four figures appear on almost every card: amount, term, maximum interest and region. They look simple, and each of them hides a question worth asking before the first message.
Amount
The principal the party wants to move. On the borrower side, a round figure with no stated purpose is weaker than an odd figure tied to a specific cost.
Term
How long the money is out. Longer terms mean more can change — job, health, address — so risk grows faster than the interest that compensates it.
Interest
On investor listings this is the rate sought; on borrower listings it is the ceiling offered. Neither is binding until it is written into the agreement.
Region
Relevant because meeting in person, verifying identity and, in the worst case, filing a claim are all easier when both parties are in the same district court area.
| Figure | What the borrower sees | What the investor sees |
|---|---|---|
| Principal €4,000 | The cost that has to be covered now | The maximum that can be lost outright |
| Term 12 months | Twelve payments to fit into the budget | Twelve chances for the situation to change |
| Rate 9% p.a. | About €200 in interest over the term | About €200 of gross return before any loss |
| No collateral | Nothing has to be pledged | Recovery depends entirely on the court route |
| Written agreement | Terms cannot be changed afterwards | The claim is provable if it is ever disputed |
Illustrative figures for reading practice, not an offer. Run your own numbers with the loan calculator.
Signals that should end the conversation
Fraud on private lending boards is not sophisticated. It relies on speed and on the victim wanting the outcome badly enough to skip a step. The patterns repeat, which makes them easy to name in advance.
- Any payment requested before the loan is paid out — an insurance fee, a notary deposit, a transfer charge. A genuine lender deducts costs from the principal, never asks for money up front.
- Pressure to move the conversation to an untraceable channel immediately, combined with refusal to put anything in writing.
- An offer that ignores your stated amount and pushes a much larger sum. The goal is a larger up-front fee, not a loan.
- A promised return that no realistic borrower could pay — the mirror image of the same scam, aimed at investors.
- Refusal to identify the other party at all. A contract with an unidentifiable counterparty cannot be enforced; see the risks of peer-to-peer lending.
Writing a listing that gets serious replies
Listings are skimmed, not studied. The reader fills every gap with an assumption, and the assumption is always pessimistic. Concrete detail is therefore not a nicety — it is the only thing that separates a listing that gets answered from one that does not.
Specificity also filters. A precise listing attracts fewer replies but better ones, because it tells time-wasters immediately that this is not the easy target they were looking for.
- State the exact amount rather than a range, and say what it is for in one sentence.
- Give the repayment schedule in dates, not in phrases like a few months.
- Name the income source and how long it has been stable — employment, pension or business income.
- Mention collateral or a guarantor if one exists; say so plainly if one does not.
- Disclose a payment default entry rather than letting it surface later — the wording is covered in the no-credit-check guide.
- Check the monthly instalment against your actual budget before publishing; the calculator takes a minute.
What happens after the first message
Once two parties agree to talk, the board is out of the picture. There is no escrow, no verification service and no arbitration behind the scenes — a point worth repeating because it changes how carefully the next steps deserve to be taken.
The sequence that works is dull and effective: identify each other, agree the terms in writing, sign, then move the money. Reversing any two of those steps is where almost every bad outcome on private lending boards begins.
Finnish law does the heavy lifting once the agreement exists. The promissory note act (velkakirjalaki 622/1947) governs the debt instrument, the interest act (korkolaki 633/1982) sets late-payment interest, and the consumer protection act applies where a professional lender is involved. The clause-by-clause version is on loan agreement terms.
What using the board costs
Browsing is free and requires no account. A fee applies only when a listing is published, and it is a one-off payment for a fixed visibility period rather than a subscription or a commission on the loan.
Borrowers get their first five listings free across the whole service; after that a listing is €3. Investor listings are €10 from the first one. The asymmetry is deliberate: a paywall on the investor side is the cheapest available filter against fee-fraud offers, which is exactly the side of the board where such offers appear. Full terms are on the pricing page.
Frequently asked questions
Do I need an account to browse listings?+
No. Browsing and filtering are open to everyone without registration. An account is only needed to publish a listing and to manage it afterwards.
Are the listings verified?+
No. We check listings for obvious abuse and remove what breaks the rules, but we do not verify income, identity or intent. Verification is the responsibility of the parties.
How long does a listing stay visible?+
Thirty days from publication. After that it drops off the board and can be republished if the need is still current.
Does Vertaislaina24 take a share of the loan?+
No. We charge only for publishing a listing. Interest, repayments and any collection happen directly between the parties, with no cut for us.
Can a company post a listing?+
Yes. Business listings are allowed and should state the business ID and sector — see the guide on how P2P loans work for what investors look at.