Esketit Review: Consumer Loans With a Buyback Guarantee and Full Automation
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Guarantees & features
- Secured: No
- Regulated: No
- Buyback Guarantee: Yes
- Secondary Market: Yes
- Auto Invest: Yes
- Cashback: Yes
- Investor Compensation: No
Esketit is a peer-to-peer lending platform launched in 2020 and headquartered in Croatia, focused on short-term consumer loans originated by vetted non-bank lenders across several European and international markets. It positions itself as a founder-driven alternative to larger, more established marketplaces, with an emphasis on simplicity and automation for investors who prefer a hands-off approach.
What is Esketit?
Like most consumer-loan marketplaces, Esketit connects individual investors with loan originators rather than lending directly itself. Investors fund portions of consumer loans and earn interest as borrowers repay, with the platform handling loan selection, servicing and reporting on behalf of originators.
Key features
- Buyback guarantee: loans that fall significantly behind schedule are typically repurchased by the originator, protecting the invested principal.
- Auto-invest: investors can set criteria such as interest rate, loan term and originator, and let the platform allocate funds automatically.
- Secondary market: existing investments can be listed for sale to other investors, offering a way to exit before maturity if needed.
- Cashback offers: Esketit periodically runs cashback promotions for new deposits — check the platform directly for current terms.
Risk considerations
Esketit is not currently regulated as an investment firm and does not participate in an investor compensation scheme, which is common among consumer-loan marketplaces of this type but worth keeping in mind. As with any P2P platform, a buyback guarantee is only as reliable as the originator standing behind it — it protects against individual loan defaults, not against the originator's own insolvency.
Who is Esketit for?
Esketit suits investors who are comfortable with the consumer-loan P2P category and want a largely automated, low-maintenance way to allocate part of their portfolio to it. As with any single platform, it's best used as one piece of a diversified P2P strategy rather than a sole allocation.
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