Loanch Update October 2026: €4,321 in My Account, 14.5% Interest & Why Auto-Invest Is a Must

Time for a short Loanch update. On the Croatian P2P platform I am now invested with more than €4,300 – I have just topped up again. In this post we look at my investment in detail: how it is going so far, what you need to watch out for with Loanch, which bonus still runs now that the Early Bird campaign has ended – and why €5,000 is where I stop for now.

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 Loanch link is a referral link: if you use it, I receive a small commission, at no extra cost to you.

My Loanch account in numbers

My account currently stands at €4,321.86 (as recorded on 4 October 2026). In the September update it was still €3,800.88.

The numbers in detail:

• Account value: €4,321.86
• Invested funds: €4,308.38 – €13.48 was available at the moment of recording and was reinvested shortly afterwards
• Profit: €174.15
• Rewards: €37.71 from cashback and bonus promotions

A small clarification on the video: there I say I have "€4,321.86 invested". Strictly speaking that is the account value – €4,308.38 is in loans, the rest had just flowed back. It doesn't change the point: this is really starting to add up.

What is Loanch, actually?

Loanch is a P2P platform through which you invest in consumer loans – mainly from Malaysia. The operator is PRZEMEK SAVJETOVANJE d.o.o., based in Zagreb, Croatia. The key facts from the homepage (retrieved on 5 October 2026):

• up to 14.5% APR from consumer loans – currently the highest rate on the platform
• €20 bonus for your first investment
• buyback after 30 days overdue
• 0% fees
• a loyalty programme with up to 1.5% extra interest

The platform in numbers, according to Loanch: around €123.4 million invested in total, 16.4 thousand registered investors and €2 million in interest paid out. Three originators stand behind the loans: Tambadana (Wawasan Cojaya Sdn. Bhd., Kuala Lumpur; avg. 13.82% interest), AhaPay (avg. 11.00%) and Ammana (avg. 13.29%) – for Ammana, new loans are temporarily unavailable according to Loanch.

New-customer bonus and cashback: what's running right now

The Early Bird cashback promotion from the last update ended on 30 September. But there are still two things you can secure as a new customer:

1. €20 new-customer bonus – until the end of the year. In the video I only mention the amount; here are the conditions as published by Loanch:

• registration between 28 July and 31 December 2026
• deposit and invest at least €500 – within 7 days of completing verification
• in loans with a term of at least 60 days
• the bonus is credited immediately; withdrawing it is locked for 60 days

2. 1% cashback in the first 90 days. On top of that, there is 1% cashback via my Loanch link*. In the video I say "on all your investments in the first 90 days" – that is the short version. According to the terms of Loanch's referral programme the calculation is more precise:

• 1% of your average daily portfolio over the first 90 days (the sum of the 90 daily balances divided by 90)
• only investments with at least 30 days remaining count
• capped at €500, paid out in one sum after the 90 days

In practice: whoever invests early and in full gets the most. If you only deposit on day 60, you don't get 1% on that amount, just the pro-rata average. Always check the current terms directly with Loanch before you start.

For transparency: this is a referral link. If you sign up through it, I receive a small commission – at no extra cost to you.

The loyalty programme: Iron threshold reached, Bronze in sight

Loanch's loyalty programme rewards larger portfolios with an interest top-up. You can see the six tiers in the dashboard screenshot above:

• Iron from €3,000 – +0.25%
• Bronze from €5,000 – +0.50%
• Silver from €10,000 – +0.75%
• Gold from €20,000 – +1.00%
• Platinum from €50,000 – +1.25%
• Diamond from €80,000 – +1.50%

In the video I say I have "reached the Iron tier". More precisely: I have passed the threshold of €3,000 – but the dashboard still shows "No status" and +0.00%. The reason: you have to hold the threshold for 90 days; only then does Loanch grant the tier. By my count I have been above it for around two months now, so there is still a bit to go. And importantly: the extra interest then only applies to new investments made after the tier is granted.

Bronze is the tier I am working towards – I will probably reach the €5,000 next month or the month after. I could imagine Silver at some point in the medium term. But it won't be more than that for me on Loanch; I will certainly not reach Diamond here – even though 1.5% extra return is quite something.

My portfolio: short-term Tambadana loans at 14.5%

"My investments" shows what I go for: short-term loans.

• Originator: exclusively Tambadana – I really only do Tambadana loans
• Interest rate: 14.50% throughout
• Term: the longest term visible in my list is 122 days, so around four months (in the video I estimate "120 days"). The remaining term is shown in the column next to it.
• Ticket size: many small packages between roughly €10 and €50

That spreads me across a very large number of individual loans – every few days something comes back, or the buyback obligation kicks in and the loan is repaid. To be honest about it: I am widely spread across loans, not across originators. If Tambadana fails, spreading across many loan packages won't help me.

Auto-invest is a must – my settings

I really do say this every time: set up an auto-invest on Loanch. You can also invest manually and pick the loan packages yourself – but look at the page count at the bottom:

3,715 pages of loan packages. Going through that by hand makes no sense – especially as repayments and buybacks keep coming in and need to be reinvested.

You find the auto-invest on the left under "Automatische Investition" (automatic investment). There are predefined strategies ("Go Long" and "Go short"); I recommend creating your own strategy, though – it keeps you more flexible. Mine looks like this:

• Strategy limit: €5,000
• Minimum interest: 14.5%
• Originator: Tambadana
• Remaining term: 5 to 100 days – that is how I have had it set for a week or two
• Amount per loan package: €10 to €50
• Buyback obligation: on – only loans with a buyback obligation

With these criteria, 26,032 loans qualified at the time of recording – so the auto-invest runs without any problem. As a test I set the minimum interest to 15%: then not a single loan matches. 14.5% is currently the highest there is on Loanch. It fluctuates occasionally and sometimes there are higher rates – but if you set your minimum too high, your money simply sits idle.

The account statement: several repayments every day

How often does something actually come back? The account statement shows it well:

On 4 October alone there are several "Paid interest" and "Paid principal" entries – all in green. The red rows are "Placed Investment": that is the auto-invest putting the returned money straight back into a new package. This really happens several times a day. That is exactly why I consider auto-invest a must – without it you would constantly have money sitting around earning nothing.

How safe is Loanch?

Now for the honest part – because for all that is going well, Loanch has clear weaknesses:

Loanch is not regulated. The platform says so itself in its footer: the services are expressly not offered to residents of jurisdictions where local authorisation or a licence would be required. There is no financial supervision of the platform and no deposit insurance. It would be good to see regulation being pursued and implemented – that would be an additional layer of safety.

There is no secondary market. You cannot sell loans early. With my short-term loans that is not a big issue, but with long terms that option is noticeably missing.

The payment disruption in spring has been resolved. According to Loanch, certain deposit methods were temporarily unavailable between 5 February and 25 April 2026 because of an issue at the payment service provider – at times you couldn't deposit new money. Loanch set up a compensation programme for it and now speaks of licensed payment service providers in the plural; in my view they have learned from it. (In the September update I described the period as "December to February" – Loanch's own information supports today's version.)

The buyback obligation applies after 30 days overdue. But it is only worth as much as the originator's ability to pay – in the end the default risk is yours.

My plan and verdict

I have been very happy with Loanch so far, which is why I keep topping up – but only to €5,000:

That leaves €678.14 to go. With that I will have reached the threshold for the next loyalty tier and – after the 90 days – get a bit of extra return on new investments.

But that is where it ends: for unregulated platforms I currently set myself a limit of €5,000 per platform. After that I will withdraw the interest and invest it elsewhere – on other platforms or in stocks. I want to shift the focus a bit more towards stocks in future anyway, because my P2P share is currently above 20%, which carries a certain risk. You can see how Loanch fits into my overall P2P portfolio in the P2P portfolio update October 2026.

Bottom line: Loanch is going very well for me right now: 14.5% interest, an auto-invest that reinvests daily, and a loyalty programme that adds a little on top. The risks remain – no regulation, no deposit insurance, no secondary market, capital at risk – and that is exactly why it stays a clearly limited position. If you want to try Loanch, it's best to grab the new-customer bonus right away: go to Loanch via my link*.

What is your take on Loanch? Have you tried the platform, which originators do you use – do you also go for the short-term Tambadana loans? 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!