NEO Finance
NEO Finance is a Lithuanian peer-to-peer lending platform founded in 2014, specializing in consumer loans. Based in Vilnius and publicly listed on Nasdaq First North since 2019, it operates under full supervision of the Bank of Lithuania with an electronic money institution (EMI) license: the first Lithuanian P2P platform to hold this authorization, enabling EU-wide operations. The platform focuses on Lithuanian consumer credit including personal loans, car loans, and refinancing.
NEO Finance in real numbers
Anonymized statistics from all NEO Finance portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
12.2%
Based on 9 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 7 stated strategies
Combined portfolio value
€28,724
Investors on P2P Dash
13
Interest earned all-time
€9,143
Median cash drag
4.9%
Share of funds sitting uninvested
Important Notes
- Export contains incorrect date formats: "J" instead of year (e.g., "J-09-25 02:17:20")
- These rows must be manually corrected before import
NEO Finance returns over time
Median annual return of NEO Finance investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
10.8%
2021
12.5%
2022
11.7%
2023
11.8%
2024
12.9%
2025
12.1%
2026
Is money moving into NEO Finance?
Monthly deposits minus withdrawals across NEO Finance investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
+€5,708
13 investors tracking
NEO Finance investors also track
Share of NEO Finance investors on P2P Dash who also track each of these platforms: anonymized community data, shown only where at least 10 investors overlap.
Alternatives to NEO Finance
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 1,761 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Frequently asked questions about NEO Finance
Answers based on anonymized community data from P2P Dash investors.
What is NEO Finance?
NEO Finance is a peer-to-peer lending platform, founded in 2014 (headquarters: Lithuania). On P2P Dash, investors import their NEO Finance account statements to track the real net return they earn there.
What return do investors actually earn with NEO Finance?
Across 9 NEO Finance portfolios tracked on P2P Dash, the median net return (XIRR) is 12.2%. The middle 50% of investors earn between 7.0% and 12.9% (as of August 3, 2026).
How many investors track NEO Finance on P2P Dash?
13 investors track their NEO Finance portfolios on P2P Dash, with a combined portfolio value of €28,724 and €9,143 in interest earned all-time.
Are investors currently adding or withdrawing money at NEO Finance?
Of 7 stated strategies for NEO Finance, 43% plan to add funds or reinvest, 0% intend to hold, and 57% plan to reduce or exit (as of August 3, 2026).
Is NEO Finance regulated?
Yes, NEO Finance is a regulated platform supervised by Bank of Lithuania.
Does NEO Finance offer a buyback guarantee?
Yes, NEO Finance offers a buyback guarantee: if a loan is overdue beyond a set period, it is repurchased. Keep in mind that a guarantee is only as strong as the party standing behind it.
How do I analyze my NEO Finance portfolio?
Export your transaction history from NEO Finance (csv) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more, across all your P2P platforms in one dashboard.
What are alternatives to NEO Finance?
Based on the community ranking, the closest alternatives to NEO Finance in the same asset class are Nectaro, Afranga, Modena. Each platform page shows real median returns and investor numbers from the P2P Dash community.