Esketit Update October 2026: €2,424 Invested, All 60 Loans on Time & the Auto-Invest Is Running Again

Today it's time again for a short update on my investment on Esketit. I have been testing the platform for quite a few months now and have invested more than €2,400 there by now. In this post we look at how my investment has been going and how the platform itself is developing.

As always, the most important thing first: this is not investment advice and not a buy recommendation, just my personal opinion and my personal investments. I am responsible for my money, you are responsible for yours. P2P loans are high-risk – only invest money whose total loss you could handle, and make your own decisions. The Esketit link is a referral link: if you use it, I receive a small commission, and it does not cost you anything extra.

Esketit in numbers: more than one billion euros funded

Before we jump into my investment, let's look at the current statistics. Esketit publishes them on its own website under "Statistics".

• Total loans funded: now more than one billion euros – €1,029,961,037 to be exact
• Outstanding portfolio: €46.8m (€46,846,919)

With the outstanding portfolio you can see that it has been higher before. In May 2025 it was around €52m, then it fell and rose again. This year's peak so far was in July at almost €50m (€49,995,110) – and right now we are at those €46.8m.

What naturally keeps rising the longer the platform is on the market is the interest that has already been paid out – and the number of investors keeps growing as well:

• Interest paid: €20.65m in total already
• Users: in September there were 31,691 in total, and a few more have already joined in October (31,701 when I recorded)

So that is developing positively too. I also find it interesting that Esketit publishes the average portfolio size of its users:

It is €3,980, so almost €4,000. I am at roughly €2,400 myself – so the average user has invested considerably more here than I have so far.

How are the loans performing?

What always matters, of course, is the loans and how they perform. Esketit shows a status chart per lender – and there you can see that the vast majority really is on time.

The only lender with anything late is Nimbura: 1.25% there is between 1 and 15 days late, 98.75% is on time. Spanda Capital, Mojo Capital, MDI Finance and Credus Capital are at 100% "Current". For context: such a chart only exists for these five lenders – for Jet Finance, for example, the page does not show one.

My Esketit account: €2,424.01 invested

Now let's look into my Esketit dashboard (recorded on 5 October 2026):

• Invested: €2,424.01 – fully allocated, €0.00 idle
• Earned so far: €121.01
• Of which interest: €111.01
• Of which bonus: €10.00 – I received that through a cashback promotion
• Loans: 60 – and in my account all of them are on time

So I have not been affected by the delays at Nimbura so far: every late bucket in my account shows €0.00.

Compared with my Esketit update from September:

My account has grown by a good €100 since September. And the point that bothered me in the last update is gone: back then €77.05 was sitting idle without interest because my auto-invest could not find any matching loans. Now everything is invested.

0.5% cashback through my link

If you want to try Esketit yourself: through my Esketit link* you can claim 0.5% cashback on all your investments in your first 90 days as a new customer.

The 0.5% over 90 days is my partner condition – it is not stated on the Esketit website itself. Publicly, Esketit only describes its refer-a-friend programme, where existing customers invite other investors:

• 1% on the claims the referred person buys in the first 30 calendar days after registration, capped at €1,000
• the first purchase has to be made within 30 days of registration and verification
• credited in one instalment within 10 business days after those 30 days
• new customers only – and according to the terms it cannot be combined with other promotions or affiliate programmes

In the video I say that through my link you get a cashback you would not receive otherwise. Strictly speaking, that is true compared with signing up without any link or code. So you can compare what suits you better: 0.5% over 90 days or 1% over 30 days. It's best to check the current terms directly with Esketit before you start; conditions can change.

For transparency: this is a referral link. If you sign up through it, I receive a small commission. It does not cost you anything extra – and you support me and my channel.

My portfolio: 60 loans, a repayment almost every day

Let's look into my portfolio and what I actually invest in:

I do invest in Nimbura – but I am not in any of the loans affected by the delays. All 60 positions are short-term loans from Malaysia ("Short-term loan"), each between €12.95 and €50.

It is nice to see how broadly this is spread across terms: loans come back in one day, some in three days, in four and five days. I really have repayments almost every day. Then there is a small gap – eight days, 16 days, 19, 20, 21 days – and at the end of the list it continues with 22 up to a maximum of 26 days:

• Remaining terms: 1 to 26 days
• Interest rates: 34 loans at 11%, 26 loans at 10%
• Status: all 60 "Current"

One point of precision: in the video I talk about individual loans. According to Esketit, with Nimbura you strictly speaking do not hold individual consumer loans but a claim from an indirect financing structure with a revolving loan pool – repayments follow the schedule of that financing agreement.

My auto-invest: the Nimbura strategy

How does the money get into these short-term loans so neatly? Through my auto-invest – on Esketit it is called "Auto-Purchase". There I have my own strategy named "Nimbura":

The strategy is a good 80% filled, the average interest rate is 10.57%, and the last automatic purchase ran on 5 October at 03:10. If we open the strategy, we can see what I have set:

• Target: €3,000 for now
• Per loan: between €10 and €50
• Interest rate: at least 10%, up to 16%
• Remaining term: 1 to 60 days – in the video I first guess 30 days, the actual setting is a maximum of 60
• Status: only loans that are on time ("Current")
• Lender: only Nimbura at the moment

With these settings, 481 loans matched when I recorded. In September that figure was still 0 – which is exactly why money was sitting idle back then.

Primary market: short-term loans from Nimbura, long-term loans from Jet Finance and Mojo Capital

Let's go to the market and see what the primary market has to offer. When I recorded, there were 608 offers. If I sort purely by interest rate, Nimbura at 11% is currently also the highest. Most of those offers run for two or three months.

But if I click on "Term" and sort by term, we see that Nimbura's 11% is also available with a very short term:

Those are exactly the ones I have in my portfolio. In the video I mention 30 or 27 days – the screen showed 27 days; according to Esketit, Nimbura loans usually run between 30 days and six months.

Because these loans run so quickly, it really matters to set up an auto-invest here. If something comes back every few days, you would otherwise have to log in and buy again every time. So it definitely makes sense to activate the auto-invest.

Otherwise you can also put the money into Jet Finance or Mojo Capital, for example. But they have longer terms:

• Jet Finance (car loans from Kazakhstan): 10%, a term of more than four years
• Mojo Capital (business loans from the United Arab Emirates): 10%, almost six months

Esketit does have a secondary market too – so you could exit earlier if a buyer is found. But I simply like that Nimbura offers these extremely short terms. The advantage is that I have more liquidity, because the money comes back faster.

How safe is Esketit?

You still always have to be aware of the risks. Loans can default, a platform can fail – with returns like these, that is part of the deal.

• Not regulated. Esketit says so itself in the footer of every page: "Esketit is not regulated under any financial services licence." So there is no financial supervision of the platform. You buy claim rights for loan receivables – that is not a deposit like a savings account.
• Operator. New investments run through Esketit Platform d.o.o., based in Zagreb (Croatia). The Irish Esketit Platform Limited in Dublin only manages legacy holdings.
• Buyback obligation – but no group guarantee. Most lenders on Esketit provide a buyback obligation: if a repayment is more than 60 calendar days late, the lender has to buy the claim back. For Nimbura, Esketit states "Buyback Obligation: Yes" and "Group Guarantee: No". So the buyback obligation is only worth as much as the lender itself.
• Nimbura belongs to the founders' circle. According to Esketit, Nimbura was founded by Esketit's co-founders and is, as stated by the platform, a licensed moneylender in Malaysia. That means my money is entirely with a single lender that is close to the platform – a concentration risk.
• The secondary market is not an emergency exit. A sale only works if another investor buys.

That said, you also have to say about Esketit: in terms of returns, this is actually fairly conservative for P2P. 10 or 11% is really not high in the P2P space – there are very different platforms where, with bonuses, you end up at 16, 17, 18% or sometimes more. An average of 10 to 11% interest across the whole portfolio is still very strong in P2P. I believe I am at around 10.5% interest across my entire P2P portfolio.

My plan and verdict

So much for the short update. What I definitely have to say so far: it is working for me. I have had no defaults and no delays so far. But as I keep saying: it only works for as long as it works. I will keep you posted if any problems come up here that I have not had so far.

I plan to keep topping up a little on Esketit: I now pay in around €100 to €200 every month. My maximum here is €5,000 – because it is an unregulated platform. You always have to be aware of that. You can see how Esketit fits into my overall P2P portfolio in the P2P Portfolio Update October 2026.

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

Now I'm curious: what are your experiences with and your opinion of Esketit? And if you use Esketit – do you go for the long-term loans or the short-term ones too? Feel free to write it 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!