We are required to protect the borrowers’ personal data and we cannot reveal it to the public. However, apart from the full loan information, investors are able to see certain borrower specific information disclosed on the platform.

The loan purpose is shown on the platform and it is specific to the particular loan.

In the event that a borrower does not make a payment in accordance with the payment schedule of the respective loan, the loan originator will contact the borrower to remind them about the late payment. If there is no payment after the first contact the loan originator will contact the borrower again to try and work with the borrower on restructuring the loan. In the event that the borrower fails to cooperate the loan originator will initiate a loan recovery procedure.

You will receive loan payments in accordance with the loan payment schedule.

In the event that a loan is repaid before the maturity date, you will receive in full your outstanding investment plus the accrued interest and late interest, if any.

All loans which have reached 60 days delinquency are automatically bough back from you - the buyback is performed on the 61st day. You will see all of your loans which will be bought back in the 60+ days late category.

In order to invest on Stikcredit marketplace you need to add funds to your account first. You can learn more about adding funds to your accounts in the Deposits/Withdrawals help section. Once you’ve added funds to your account all you need to do is:
- Go to the Invest page and use our advanced filtering options or browse the entire loan book.
- Invest in all listed loans by clicking Invest in all or invest in each loan individually. You can choose the loan amount you invest in each particular loan.
- Alternatively, you can create an auto invest strategy and let our algorithms work for you.
Check out more about this in the Auto Invest section.

Once you’ve invested in a particular loan, you now have the right to receive part of the payments made to this loan. The borrower of the loan makes payments according to the loan payment schedule which consist of principal, interest and late interest or a combination of the above. When the borrower makes a payment to the loan you will receive part of this payment equal to your investment share in the loan. The repaid amount will be available in your Stikcredit account immediately after receiving the payment. If you’ve invested in multiple loans, you will receive multiple payments according to the payment schedule of each loan.

For example, if you invest 20 EUR in a loan with a remaining principal of 160 EUR, you will own 12.5% of this loan and you will have claim rights on 12.5% of all future loan payments. Every time the borrower makes a payment you will receive 12.5% of it in your account.

The interest rate offered to investors will vary based on the particular loan’s risk, market and other conditions. Investors can expect to earn up to 18% per annum on their investment.

The interest rate offered to investors for a particular loan is quoted on an annual basis. The interest is calculated on a daily basis based on the amount you’ve invested in loans. The interest is calculated based on the following formula:

Interest rate / 360 x Invested amount x No. days.

We round calculations to two decimal places. This applies to interest rate calculation as well as to premium/discount calculations related to transactions performed on the secondary market. For more information on transactions related to the secondary market, head to the Secondary Market tab in our help section.

When calculating the interest, which you should receive on your loan, we round the calculations to the second decimal place. For example, if you invest 200 EUR in a single payment loan at 14.0% annual interest rate for a period of 30 days, at the end of the period you should receive interest amount calculated as follows: 200 * 14.0% * (30 / 360) = 2.333333 EUR. We will round this transaction to 2.33 EUR which is the interest amount that you will receive in your account.

If you make the same investment only this time the interest rate is 14.5% you should receive interest amount calculated as follows: 200 * 14.5% * (30 / 360) = 2.416666 EUR. We will round this transaction to 2.42 EUR which is the amount that you will receive in your account.

Yes, the minimum investment amount is 10 EUR for a single loan.

No. Once you have invested into a loan and confirmed your decision, you will not be able to cancel the investment.

This will depend on the term of the loan in which you have invested. You will receive your investment back in accordance with the repayment schedule of every individual loan in which you have invested.

All loans listed on Stikcredit are protected by a buyback guarantee. The buyback guarantee provides extra security for your investments. What this means is that if a particular loan in which you’ve invested becomes delayed by more than 60 days, the loan originating company will repurchase the loan from you. You will receive back your initial investment plus any accrued interest. The buyback will be executed on the 61st day.

Investors should be prepared to hold the investment until the maturity of the respective loan. Investors receive regular payments of principal and interest according to the payment schedule of every loan which reduce the total outstanding investment over time and will increase the size.

If you wish to exit your investment before the loan's maturity date, we have developed a secondary market. You can list your investment for sale on the secondary market where another investor will purchase it from you. For more information, visit the Secondary Market help section.

You can see a summary of your total income in page Account Summary in your account. Alternatively, you can explore your account movements in more detail from you Account Statement page.

It is Stikcredit’s top priority to design a marketplace which is as safe as possible. However, as with any investments there are some risks involved. Investors need to make an informed decision carefully weighing in all available facts and information. Stikcredit has taken a number of measures to mitigate the risks for the investors as much as possible:

- All loans are guaranteed by a buyback guarantee issued by the lending company. If payment on a loan you’ve invested in is delayed by more than 60 days, the lending company will repurchase the loan from you. You will receive back your initial investment plus any accrued interest.

- All loans are originated from the loan originator's own funds and the loan originator must keep a certain percentage of the loan on its books. This aligns the loan originator’s and investors’ interests. This is also known as “skin in the game”.

Auto-invest is a way of automating your investment process. Once you define the parameters of your auto invest strategy and the desired portfolio size, Stikcredit will automatically invest your funds into loans that meet your investment criteria.
You can create multiple diversified portfolios by selecting different parameters such as loan term, interest rate range, maximum investment into a single loan among others.

To create a new auto invest strategy, simply click the Create strategy button. You will then be asked to fill in your investment criteria.
Once you click the Save and Activate button you are all done. Stikcredit will instantly purchase all loans that meet your criteria.

Yes, you can create as many auto invest strategies as you like. Your strategies will be executed according to the priority which you've set. To change their order, click the arrow buttons next to the strategy you want to move up or down.

Yes, you can stop or edit your auto invest strategy at any time. To do this simply click on the stop or edit button of the strategy.

Yes, you will be able to invest manually even if you have set and activated an auto invest strategy.

Your auto invest strategy will be executed in the following instances:
- When you create your auto invest strategy for the first time and you click the Save and Activate button.
- When you click the Stop button next to your strategy and then click the Activate button.
- When you click the Edit button next to your strategy and then click the Save and Activate button.
- Every time you make a deposit to your account, your active strategies will be executed 15 minutes following the deposit.
- Every night your active strategies will be executed and our algorithms will invest into matching loans.

This is the place where you can list your investment for sale and other investors can purchase it from you. You don’t have to wait for your loan to be repaid, if you want an early exit from your investment you can place it on the secondary market for sale.

If someone buys your investment, you will receive back your outstanding principal immediately. You can also specify if you want to sell your investment at a discount/premium to sell it faster or to earn a higher return.

To sell your investment log in to your account and go to My investments page. You will see that next to each of your active investments there is a button “Sell”. Press it and your investment will be added to your sales basket. You can also sell multiple investments at once by pressing the “Sell all” button.

Press the “Confirm” button in your basket and you’ll be forwarded to the next page where you can set a discount/premium for all or some of the loans you intend to sell.

The sale price is the amount of money which you will receive when your investment is sold in full. It is determined by the size of investment you wish to sell and the discount/premium you’ve set for the investment.

For instance, if you wish to sell € 20 at a premium of 10%, the sale price which you will receive is € 22. Alternatively, if you wish to sell € 20 at a discount of 10%, the sale price which you will receive is € 18.

When you choose to sell your investment on the secondary market you can do it at par, at discount or at premium. The premium/discount is expressed in percent of the outstanding value of the investment.

The premium allows you to sell you investment at a price that is higher than the outstanding value of your investment. For instance, if the outstanding value of your investment is € 20 and you sell it at a 10% premium, you will receive € 22 from the sale, making a € 2 profit.

The discount allows you to sell your investment at a price that is lower than the outstanding value of your investment. For instance, if the outstanding value of your investment is € 20 and you sell it at a 10% discount, you will receive € 18 from the sale, making it more attractive for other investors and exiting the investment more quickly.

You can change the premium/discount from this page. You can either set an individual premium/discount for each investment separately or you can apply the same premium/discount to all investments at once by filling in the “Apply discount/premium to all loans” field and pressing the “Apply” button.

You can change the sale price by adjusting the discount/premium at which you wish to sell your investment. You can set a discount as low as -15.0% or a premium as high as +15.0%.

We round calculations to two decimal places. This applies to interest rate calculation as well as when calculating the premium/discount price on the loan that you buy or sell on the secondary market.

For example, if you sell 4 EUR of your loan at a premium of 0.1%, the price which you will receive for the loan will be equal to 4 * 100.1% or 4.004 EUR. The transaction will be rounded to 4.00 EUR and you will receive 4.00 EUR as a purchase price. If, however, you sell 5 EUR of your loan at a premium of 0.1%, the sale price of your loan will be equal to 5.005 EUR. The transaction will be rounded to 5.01 EUR and you will receive a 1 cent premium on your loan.

In another example, suppose that you wish to buy a 25 EUR loan on the secondary market at a discount of 0.1%. The price which you will have to pay for the loan is equal to 25 * 99.9% or 24.9750 EUR. The transaction will be rounded to 24.98 EUR which is what you will have to pay to acquire the loan on the secondary market.

If you’ve changed your mind and you don’t want to sell a particular investment in your sales bucket, you can press the “x” button next to it. This will remove the investment from your list and it will not be listed on the secondary market. Alternatively, you can remove all investments by pressing the “Cancel and delete the list” button.

Once an investor has purchased your investment on the secondary market, the transaction is not reversible.

However, if you’ve changed your mind and you no longer wish to sell your investments you can take the unsold ones off of the secondary market. To do so go to the My investments page and click the “x” button next to the investments you no longer wish to sell.

When you sell an investment on the secondary market you will receive from the buyer the amount of the outstanding investment which was sold plus the premium which you have applied or minus the discount which you have applied. The funds will be available in your wallet immediately.

When you sell your investment on the secondary market you may have an accrued interest or an accrued late interest - this is the interest, which is owed to you, but it is not yet paid by the borrower.

You will not receive this interest immediately. Instead, you will receive this interest once the borrower has made a payment.

You can withdraw funds from your account which are not invested in loans at any time. To do so simply go to page Deposit/Withdraw in your Stikcredit account and enter the amount you wish to withdraw. The funds will be sent to your primary bank account.

Every time you wish to add a new bank account for withdrawal, we have to verify that the account belongs to you. Stikcredit is required to do this as part of the anti-money laundering policy and for investors' own security. If you wish to add a new bank account for withdrawal to your Stikcredit profile, you need to send 1 EUR from the bank account to your Stikcredit account. The new bank account will be added to your profile and you will be able to select it from your profile when you request a withdrawal.

You can withdraw all your uninvested funds at any time.

Stikcredit does not charge you any fee for withdrawal. However, you may be charged fees for the incoming transfer from your bank. Please consult to your bank for further information.

Stikcredit will process your withdrawal request within one business day. Transfers within the European Union typically take 1 business day. Transfers outside of the European Union are likely to take more time and depend on your jurisdiction. You should consult with your local bank on the estimated transfer time.

You can add funds to your Stikcredit account by making a payment to the following bank account:

Your funds will be added to your Stikcredit account within 1 day of receiving them. Transfers within the European Union will typically take 1 business day to reach Stikcredit’s bank account. Transfers outside of the European Union might take more than 1 business day and depend on your jurisdiction. You should consult with your local bank on the estimated time.

At the moment Stikcredit supports investments in Euro only. When adding funds to your Stikcredit account please transfer money denominated only in EUR. If you transfer any other currency it will automatically be converted into EUR and your account will be credited with the EUR amount after conversion. All conversion fees will be at your cost.

Investors’ funds are kept in a segregated bank account separate from Stikcredit’s assets.

Please make sure that you have listed Stik Credit JSC as the beneficiary of the wire transfer. Stikcredit is a brand name of Stik Credit JSC.

In international transfers the fees are split between the sender and the recipient. It might be the case that the fees for the transfer are higher than 1 EUR and your processing bank is rejecting the transaction. We suggest that you increase the amount you transfer and try again.