Monestro - P2P Lending

GET up to 4.000 € TODAY

1000 300 € 4.000 €
19 % 6 % 39 %
or Apply with Fb

Get Your Short Term Cash Loan

Quick, Simple & Secure

Make an Application

When making an application make sure you give accurate data. It is advisable that you check the income and liability data twice to avoid application rejection at a later stage. Giving wrong data is a felony and may be interpreted as intentionaly misleading to get financial gain or benefit. Data will be verified. You can stop and continue filling in data at any time.

Monestro does data systematisation

Monestro adds additional data and provides the investors with analysed and systematized info. If some checked data is questionable, the application will be sent back to the applicant.

Investors make bids

Loans are put up for auction, where investors make bids on loans based on real market conditions for given risk profiles. Investors can ask additional questions from the borrowers to make sure the risk is acceptable for them. Investors may also configure an automated bidding tool "Autoinvest" to help save time and to better diversify their portfolios.

The loan is paid out

After the auction closes successfully, the loan is paid out instantly to the borrower's account in Monestro and the borrower can start using the money.

About P2P Lending

Peer-to-peer (P2P) financing and all other crowdfunding activities have been growing in popularity in recent years.

SAVERS have never had a worse deal but for most borrowers, credit is scarce and costly. That seeming paradox attracts new businesses, free of the bad balance sheets, high costs and dreadful reputations which burden most conventional banks. Foremost among the newcomers are peer-to-peer (P2P) lending platforms, which match borrowers and lenders directly, usually via online auctions. The loans issued often comprise of many tiny slivers from different lenders. Some P2P platforms slice, dice and package the loans; others allow lenders to pick them. Either way, the result is a strikingly better deal for both sides. Zopa, a British P2P platform, offers 4.9% to lenders (most bank accounts pay nothing) and typically charges 5.6% on a personal loan (which is competitive with the rates most banks charge).

The Economist 1.05.2014


Peer-to-peer lending, sometimes abbreviated to P2P lending, is the practice of lending money to individuals or businesses through online services that matches lenders directly with borrowers. Since the peer-to-peer lending companies offering these services operate entirely online, they can run with lower overhead and provide the service more cheaply than traditional financial institutions. As a result, lenders often earn higher returns compared to savings and investment products offered by banks, while borrowers can borrow money at lower interest rates, even after the P2P lending company has taken a fee for providing the match-making platform and credit checking the borrower.



The interest rates can be set by lenders who compete for the lowest rate on the reverse auction model or fixed by the intermediary company on the basis of an analysis of the borrower's credit. The lender's investment in the loan is not protected by any government guarantee.


About us

Monestro P2P OÜ operates the portal Monestro P2P OÜ has been granted the licence as credit intermediary by Estonian Financial Supervision Authority on 19.09.2016.

The Monestro team is not big but some of our members have been involved with banking and the financial market since 1992. Experience throughout several economic cycles has given us the confidence to develop a newer approach to financial services.


Our vision is to become a modern marketplace covering a wide spectrum of financial services for private individuals and SMEs. In 10 years to be a dominant marketplace in Europe.

In some other areas of business the new models of community initiative and sharing have been accepted and are well established (taxi/ride sharing, hotels/short term property rent). We believe that in the financial industry new business models will also have their place in the coming years.


Our mission is to make investing and getting financing affordable and simple. We work to make investing in consumer loans easy and controllable. We give the community the possibility to set risk-pricing trends.

Why to borrow?

For down payment on a new home purchase

Found a new home and a bank is ready to finance it, but you’re missing the down payment. The needed funds can be borrowed through Monestro with a much more reasonable cost than SMS or other high interest rate loans on the market.


For car repair

An unexpected accident or engine failure has left you without a car. The several hundred euros needed for the repair are nowhere to be found. You can borrow the needed funds through Monestro without pledging your car or giving any other collaterals.


For family vacation

School holidays are approaching and the family is keen to spend a week in the sun. Friends are flying on holiday but you don’t have the money. A quick solution would be to use Monestro, where completing a loan application takes only minutes and the money could be available already within a few hours.