Question 1

What is posojilo.si?

Accepted Answer

posojilo.si is a P2P (peer-to-peer) lending marketplace that connects vetted borrowers with investors in Slovenia. Every loan on the marketplace is fully verified and has a prepared contract.

Question 2

How is posojilo.si different from banks?

Accepted Answer

Unlike banks, posojilo.si enables a direct connection between borrowers and investors, meaning potentially lower interest rates for borrowers and higher returns for investors. Every loan is verified with KYC, SISBON, and collateral assessment.

Question 3

Is posojilo.si a regulated platform?

Accepted Answer

Yes, posojilo.si operates in compliance with Slovenian legislation and European regulatory standards. We adhere to GDPR requirements, cooperate with the SISBON registry, and ensure compliance with AML legislation.

Question 4

What fees does posojilo.si charge?

Accepted Answer

posojilo.si charges a commission on successfully funded loans. The fee is transparently displayed with each loan. There are no additional costs for investors to register or browse the marketplace.

Question 5

How do I get started with posojilo.si?

Accepted Answer

Register on the platform, complete KYC identity verification, and choose your role — investor or borrower. The registration process takes just a few minutes.

Question 6

What is the minimum investment amount?

Accepted Answer

The minimum investment amount is EUR 50 per loan. This allows you to diversify your portfolio across multiple loans with different risk grades.

Question 7

How are my investments protected?

Accepted Answer

Every loan is verified with KYC, SISBON credit check, and collateral assessment. The loan contract is prepared and signed before listing. In case of default, collateral liquidation proceeds are distributed pro-rata among investors.

Question 8

What returns can I expect?

Accepted Answer

Returns vary based on the loan's risk grade. The average annual return on the platform is between 7% and 12%. Higher risk typically means higher potential returns.

Question 9

How do I receive returns?

Accepted Answer

Returns are automatically transferred to your platform wallet with each monthly payment from the borrower. You can withdraw funds to your bank account at any time.

Question 10

Can I sell my investment before maturity?

Accepted Answer

Currently, a secondary market is not available. Your investment is locked until loan maturity or early repayment by the borrower.

Question 11

Who can apply for a loan?

Accepted Answer

Adult residents of Slovenia with a valid ID and tax number can apply for a loan. The process includes KYC verification and SISBON credit check.

Question 12

What interest rates can I expect?

Accepted Answer

Interest rates are determined based on your credit score, income, and any collateral. They range from 5.9% for the lowest risk to higher rates for riskier loans.

Question 13

How long does loan approval take?

Accepted Answer

The approval process typically takes 1-3 business days, depending on how quickly KYC and SISBON verification are completed. Once approved, the loan is listed on the marketplace for funding.

Question 14

Do I need collateral for a loan?

Accepted Answer

Collateral is not mandatory, but it can help you secure better loan terms and a lower interest rate. We accept real estate, vehicles, equipment, and other forms of collateral.

Question 15

How does repayment work?

Accepted Answer

Repayment is made through monthly installments (annuities) that include principal and interest. Payments are processed through the platform, and returns are automatically distributed to investors.

Question 16

How is my personal data protected?

Accepted Answer

All personal data is processed in compliance with GDPR. We use 256-bit encryption for data transmission and strict security protocols for storage. Data is processed only for purposes stated in our privacy policy.

Question 17

What happens in case of loan default?

Accepted Answer

In case of default, collection procedures are initiated. If the loan has collateral, a liquidation process is triggered, and proceeds are distributed pro-rata among investors.

Question 18

Is the platform protected against abuse?

Accepted Answer

Yes, the platform has implemented anti-money laundering (AML) mechanisms, identity verification (KYC), and suspicious transaction monitoring. All users are verified before accessing services.

Question 19

How secure are payments through the platform?

Accepted Answer

All payments are processed through regulated payment providers using bank transfers. The platform does not store banking details — these are securely managed by our payment partner.

Question 20

Where are my documents stored?

Accepted Answer

All documents are stored on secure EU servers with 256-bit encryption. Access to documents is restricted to authorised personnel following the principle of least privilege.

Frequently Asked Questions

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Frequently Asked Questions

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