Esketit review
7
(our review)
Esketit is a P2P platform where you can invest in short-term loans with interest rates up to 12 percent. We rate the platform 7. Returns are high and stable, and the platform is easy to use. AvaFin, the owner of Esketit, no longer offers loans itself. Since 2025 the platform has been working with 5 other loan originators.
Please note: investing online through Esketit involves risks, you can lose (part of) your investment.
Content:
What is Esketit?
Esketit is a peer-to-peer platform that was launched in 2021 by the founders of AvaFin, a large consumer finance company. Esketit is growing fast and is now one of the bigger players in Europe, in the field of p2p lending. The interest rates are high and it offers a user-friendly Auto Invest feature.
Investors often compare Esketit to peer-to-peer platforms like Mintos, PeerBerry and Bondora.
Ease of use
Esketit is a fairly new platform. It is in English and does not yet have a mobile app, but it works well in a browser. It is relatively easy to use. There seems to be no minimum amount for manual investing, and the minimum for Auto Invest is 10 euros per loan. In your dashboard you can find your portfolio, returns and payments. Withdrawals are processed within 3 days.
With Esketit, it is easy to invest in peer-to-peer loans.
Invest via Mintos, with 11.62% average return, or Debitum focused on business loans. Both are MiFID-licensed and top-rated by Investmentplatforms.eu. Investing involves risks. You may lose your investment.
Creating an account
Creating an account on Esketit is a quick process. You register with your name, email address, phone number and home address. Then you answer four short questions about your financial situation and the source of your money. Using your phone, you take a photo of your ID and a selfie for verification. You can also enter a promo code during registration.
The whole process takes only a few minutes. Once your account is set up, you can deposit money using a bank transfer (IBAN), or through Ecommpay in your own banking environment. In our test the first payment took a day to get verified. After that, you can start investing right away. Under ‘Market’ you can invest manually, but the platform mainly targets people who use the Auto Invest feature.
You can quickly and easily create your account online.
Offer
Esketit mainly offers consumer loans. When we started, most came through AvaFin subsidiaries, but AvaFin has stopped offering new loans. It now works with about five other loan originators. We invested through Mojo Capital and Spanda Capital in business financing in places like the United Arab Emirates. All loans on the platform include a buyback guarantee.
Auto invest options
Esketit offers an auto-invest option. The ‘Diversified’ strategy invests in various loan types from multiple countries, including business real estate financing, with an expected annual return of 10.5 percent. Loan terms are usually short, but in our ‘Diversified’ strategy most funds were directly invested for two years in loans with interest rates between 10 and 12 percent. Esketit allows early withdrawal depending on demand from new investors.
Previously there was a ‘Jordan’ strategy focused on loans from Jordan via AvaFin, but no new loans are available for that.
Fees and returns
Esketit does not charge any fees for investors. Registration, investing, depositing and withdrawing are all free. You also pay nothing for using the secondary market.
Our experience with returns is still limited. Our first impression is that they are quite stable. Some loans do fall behind, but the platform currently achieves around 10 percent per year with the Diversified strategy, which we selected during registration.
Reliability and risks
Esketit appears to be a reliable platform with a stable track record. Payouts usually run smoothly and customer service responds quickly. On Trustpilot the platform scores well and users are positive about its ease of use. There are some reports of accounts being closed without clear reasons.
The buyback guarantee provides extra security but depends on the financial health of the loan originators.
Parent company AvaFin
Esketit is part of AvaFin, which has provided consumer loans in several countries since 2012. It no longer offers P2P loans itself but remains active on Esketit through subsidiaries. Since 2024 AvaFin has been part of Capitec Bank, a South African bank with a majority stake.
No license or supervision
Since 2025, it operates through Esketit Platform d.o.o. based in Zagreb, Croatia. Previously, it was located in Ireland. We did not find any crowdfunding license. This is notable, because given the offering with business loans, that can be traded on the secondary market, an ECSP license seems necessary in every European country.
Currently, that license is not yet in place. However, the move from Ireland to Croatia may be a step toward obtaining one. Ireland has a more limited approach to ECSP implementation, while Croatia has set up the process more quickly. The platform already carries out standard checks, such as AML and KYC verification.
Review score: 7
In our latest review, we give Esketit a 7. It is a relatively new platform but has grown quickly and since 2025 also offers business financing, enabling broader diversification. The platform is easy to use and with over 25.000 investors has become one of the most popular P2P platforms in Europe.
Advantages include easy setup and funding. Returns are fairly stable around ten percent, without the fluctuations of stocks. But you cannot clearly see where you invest or the exact risks, which may lead to underestimating them.
Other possible downsides are the lack of an ECSP license and the fact that AvaFin no longer offers loans itself, raising doubts about Esketit’s ability to maintain sufficient volume.
