Digilo Update October 2026: €1,500 Invested, Three Open Projects & €45 Cashback Withdrawn

Time for my first Digilo update. The Latvian P2P platform has been in my portfolio since September – and I already said in my in-depth review that I am cautiously optimistic, because Digilo gets a lot right from the start. Last month I invested €1,000; now I have added another €500. In this post we look at how it is going: the current platform numbers, my portfolio, the new projects, my cashback – and how I plan to continue.

As always, the most important thing first: this is not investment advice and not a recommendation to buy, just my personal opinion and experience. P2P loans are high-risk – only invest money you could afford to lose entirely, and make your own decisions. The Digilo link is a referral link: if you use it, I receive a small commission, at no extra cost to you.

The platform in numbers: things are picking up

Before we jump into my investment, a look at the statistics page. Digilo has been very transparent from day one and publishes all its key figures there – you can find it directly on the website, and the numbers are refreshed hourly.

As recorded on 4 October 2026:

• Total funded: €108,945.77
• Projects funded: 5
• Registered investors: 228
• Average annual return: 10.86%
• Earned by investors: €1,334.30
• Default rate: 0.00%

A word on the default rate right away: Digilo is a new platform – of course there is no default after such a short time, so the number says very little for now. It would be rather odd if there already were one.

The comparison with my first report is more interesting. This is what it looked like on 15 September – and today:

So in just under three weeks, €26,000 of funded volume, one project and 21 investors have been added. The average return dropped from 11.44% to 10.86% – the project funded in September runs at 9%.

The monthly breakdown: August was the strongest month so far

The statistics page also breaks everything down by month:

• August has been the best month so far with €55,745.23 of funded volume (two projects).
• In September one project of €26,000 was funded. 25 new investors joined and made 26 investments.
• October was only a few days old when I recorded – and €11,136 had already been invested.

A clarification on the video: there I mention these numbers in one breath. The table has two columns, though – "Funded volume" (the volume of projects that were fully funded in that month) and "Invested amount" (what investors put in during that month). The €55,745 and the €26,000 are funded volume; the €11,136 in October is invested amount. The comparable September figure would be €48,573 invested.

So things are moving – though not incredibly fast. And that is intentional: I had a conversation with the team on site in Latvia. By their own account they have more projects in the pipeline but select them very carefully. Digilo would rather grow slowly and sensibly than push everything into marketing, attract thousands of investors and then have no projects. I think that is the right approach. When I registered there was exactly one open project – now more are really coming through.

My Digilo account: €1,500 in two projects

Now to my investment. This is my dashboard:

In total, €1,500 is now invested across two projects. The portfolio shows the details:

• My first investment: €1,000 at 9% interest, 36-month term, LTV 19%. The project is now 100% funded, with 11 investors in total.
• My second investment: €500 at 10% interest, also 36 months, LTV 9%. When I recorded, 6 investors were in and €3,012 was still missing for full funding.
• Average interest: 9.33%

Two things belong here in all honesty. First: "Total repaid" reads €0.00 – so not a single cent of interest or principal has come back yet. With three-year terms and a start in September that is normal, but I cannot give a real verdict on repayments yet. Second: as long as a project is still being funded ("Funding Process"), the loan is not active yet.

A side note: the dashboard dates my second investment 23 September, while my wallet books the deposit and the investment on 2 October. I use the wallet dates here because that is when the money actually moved.

Three open projects – with very low LTVs

Under "Invest" you see the currently open projects. There are now three – as mentioned, when I registered there was just one.

Amount	LTV	Interest	Term	Risk	Status on 4 Oct
€18,697.09	45%	12%	24 months	Medium	21% funded
€12,500.00	50%	12%	36 months	Medium	35% funded
€12,000.00	9%	10%	36 months	Low	75% funded

What I like here are the LTVs. Loan-to-value tells you how large the loan is relative to the value of the collateral. For the project I just invested in, it is only 9% – that is very, very strong. (To avoid any mix-up: the 9% belongs to my second project. My first one has an LTV of 19%.) But even for the other two it is only 45% and 50%.

Those carry higher interest at 12% because the risk is a little higher too: Digilo rates them Medium, my project Low. More risk, more interest – as it should be. The rating is Digilo's own assessment, though.

What I really urge you to do: read everything in detail. Go into the project description, look at what the loan is for, what serves as collateral and which risks Digilo itself names. Only invest once you understand what you are investing in – and only money you can spare. Even though this is a regulated platform with collateral, it remains a loan investment. Loans can default, and platforms can fail too.

My wallet: cashback withdrawn right away

The wallet shows nicely what I have done so far:

• 9 September: deposited €1,000, invested it right away, received €30 cashback – and withdrew the cashback straight away.
• 2 October: the same again – invested €500, received €15 cashback and withdrew that as well.

That makes €45 cashback in total, exactly 3% of each investment. The money reached my bank account very quickly; both times it took only about a day.

I really like this about Digilo: the cashback lands in the wallet, and you can withdraw it. On other platforms it is often put straight into the project and is then tied up. This is closer to the definition of cashback I know.

One addition that is not in the video: the cashback being booked on the same day is my experience, not a promise: under the terms, crediting can take up to 30 days (more on that below).

3% cashback in the first 60 days

If you want to try Digilo: through my Digilo link* you can get 3% cashback on your investments in the first 60 days.

In the video I say "on all your investments in the first 60 days" – that is the short version. Under the terms of Digilo's referral programme, more precisely:

• The 60 days start with successful registration – not with your first deposit. So only register once your starting capital is ready.
• The offer is for new customers only.
• Primary-market investments in projects that get fully funded count. The minimum investment is €150 per project; there is no cap on the cashback.
• It is credited to your Digilo account after the project has been funded – which can take up to 30 days.

And to put it in context, because this matters to me: publicly, Digilo states 1% for referral links. The 3% is a partner condition that runs via the link. I can see in my own account that it arrives – €30 on €1,000 and €15 on €500. Still, check the current terms directly with Digilo before you start; conditions can change.

For transparency: this is a referral link. If you sign up through it, I receive a small commission – at no extra cost to you. On the contrary: you get the additional cashback and support my work.

Auto-invest: available, but I am not using it yet

Digilo also has auto-invest – in two variants: "Set & Forget" puts a fixed amount (from €150) into every new project, "Select & Maximize" invests according to your criteria such as LTV, interest rate, term, location and collateral type (from €300 per project).

I have decided against it for now. It is still very manageable here and the terms are long anyway – it is not as if something comes back every few days and needs to be reinvested. As long as that is the case, I prefer to pick the projects myself. It may well become interesting in the future.

By the way, since people sometimes ask: you can also switch the platform to German. I actually use everything in English, which is why my screenshots show the English interface – you can choose between English, Latvian and German.

My plan and verdict

How do I continue? I will top up monthly:

For now I am thinking of €500 per month – definitely up to €5,000. I may even go up to €10,000; that really is my maximum for a single P2P platform, though. You can see how Digilo fits into my overall P2P portfolio in the P2P Portfolio Update October 2026.

My thoughts on Digilo have not changed since the first report – if anything, they have been confirmed: they get a great deal right from the start. The communication is right, the transparency is right, and they are regulated – which is not typical for a new platform. Many start out unregulated and perhaps catch up later. On top of that there is real collateral, low LTVs and a team that, by its own account, has been working in real estate since 2008.

Even so, you need to be aware of the risks: Digilo is a new platform without a track record. There are default risks, there is no guarantee that everything runs smoothly, and no deposit insurance. There has been no default so far – with a platform this young, that means little. There may well be some at some point. I will report on that too.

If you want to try Digilo yourself, feel free to use my link for the 3% cashback: go to Digilo through my link*.

What has your experience with Digilo been so far? Let me know in the comments under the video.

Links marked with * are partner links. If you invest through them, you support my work – at no extra cost to you. Thank you!