I've been using this P2P lending platform for several years and my experience has been very positive. The interface is easy to use, deposits and withdrawals are smooth, and I appreciate the variety of... See more
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See what reviewers are saying
The move to Croatia is either work of an amateur or it is a scam. 1) All loans stay under Irelands and CANNOT be liquidated, so investors lose access to their invested money until fully repaid (this w... See more
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They ask for sensitive information to be sent by email. There is no way to upload documents securely. When you withdraw money and it's over 4900 they want to send an SMS to the phone number they have... See more
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I'm glad I started using Esketit this year. They give you peace of mind. You just deposit your money, set up automatic investing, and then look at the report every month. Although there has been a... See more
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Company details
Written by the company
Esketit is one of the world's simplest ways to purchase claim rights in personal loans. Esketit operates in five diverse markets, thus opening the world to all our users. Here you'll find the best practices in the P2P lending industry with us and start earning premium returns without sacrificing security.
Contact info
77 Camden Street Lower, D02 XE80, Dublin, Ireland
- support@esketit.com
- esketit.com
3.5
Average
273 reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 100% of negative reviews
Typically replies within 1 week
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I've been using this P2P lending…
I've been using this P2P lending platform for several years and my experience has been very positive. The interface is easy to use, deposits and withdrawals are smooth, and I appreciate the variety of investment opportunities available. The statistics and reporting tools make it easy to track performance and manage risk. Customer support has also been responsive whenever I had questions. Overall, it has become an important part of my investment portfolio and I would recommend it to investors looking to diversify their assets
June 19, 2026
Unprompted review
Clear & friendly communication, top P2P lending company
Quick, clear and friendly communication, reliable answers, top client service. Further: many loans with attractive ROI available, no cash drag, reliable operations. In my view one of the top companies for P2P investing!
February 5, 2026
Unprompted review
Reply from Esketit
Hello Roland,
Thank you for your review and for your kind compliments!
We are happy to hear that you are satisfied with service and income possibilities presented on the Esketit platform.
We hope the journey continues to be equally easy and rewarding!
Thank you again for choosing us as your P2P partner!
Change of Claims Allocation
Unfortunately the Second Market for the Ireland allocated claims appears to have been closed but otherwise the transition to the newly Croatia allocated funds seems to work smoothely.
Still paying an outstanding interest of 10.5% :D
January 5, 2026
Unprompted review
Reply from Esketit
Hello Tommy,
Thank you for your review, for the kind words and for the expressed feedback.
We are highly appreciate your recommendations.
We are glad to hear that you are satisfied with service and income possibilities presented on the Esketit platform.
We wish you a smooth and rewarding financial journey with Esketit!
Easy to use
Easy to use, reliable returns, and immediate withdrawals! I’ve found Esketit straightforward and user-friendly, with solid investment options and responsive customer service that helps quickly when needed. Highly recommend for anyone looking into P2P investing! Will keep investing with the Croatian entity.
December 31, 2025
Unprompted review
Reply from Esketit
Hello Andrew,
Thank you for your commend review and for the kind complements!
We are delighted to hear that you are satisfied with the claims purchase opportunities, with the customer support and the services provided on the Esketit platform.
Thank you for choosing us as your P2P partner!
Once a Top Platform — Now a Trust Issue
I’ve been an Esketit investor for over three years and, until recently, I considered it one of the best platforms in the industry. The company has an outstanding track record — a 0% default rate, consistent performance, and a customizable auto-invest system that gives real control.
Their secondary market is one of a kind: you can sell loans with a premium or discount (up to 2%), allowing excellent liquidity. For years, this made Esketit stand out as a trustworthy, efficient place to invest, even if occasional cash drag was an issue.
Unfortunately, things changed in October 2025 when Esketit abruptly moved from Ireland to Croatia. In theory, this shouldn’t have been a problem — but the execution was extremely poor. Investors were given only one week’s notice and no option to withdraw funds before the move. As a result, existing investments under the Irish entity became locked and unsellable, in some cases for up to two years.
I found this decision — and the lack of communication that followed — to be manipulative and deeply disappointing. I even reached out to Esketit on October 27th and still haven’t received a reply (as of November 17th).
To be clear, I don’t believe Esketit is a scam — the platform is legitimate and new Croatian investments still offer the same liquidity as before. But there’s no denying that this move damaged the trust that once set Esketit apart.
I’m not saying “don’t invest,” but proceed with caution. Esketit remains a strong performer on paper, yet recent management decisions have left many long-term investors questioning their commitment to transparency. I’ll be gradually reducing my exposure and prioritizing platforms that communicate more responsibly.
November 17, 2025
Unprompted review
Reply from Esketit
Hello Christian,
Thank you for your feedback and for the shared comments:
We are glad to provide the required clarification:
- I’ve been an Esketit investor for over three years and, until recently, I considered it one of the best platforms in the industry. The company has an outstanding track record — a 0% default rate, consistent performance, and a customizable auto-invest system that gives real control.
We highly appreciate your loyalty and we are spoiled to hear that you are satisfied with the services provided by the Esketit platform, the track record, 0 % default rate and the auto purchasing tools.
- Unfortunately, things changed in October 2025 when Esketit abruptly moved from Ireland to Croatia. In theory, this shouldn’t have been a problem — but the execution was extremely poor. Investors were given only one week’s notice and no option to withdraw funds before the move. As a result, existing investments under the Irish entity became locked and unsellable, in some cases for up to two years.
First and foremost, please accept our sincere apologies for the delay with the reply, as we are received the increased amounts of the incoming requests during the transition period, in the situation any of your requests, questions still remain unanswered, please be so kind as to contact us to support@esketit.com from the email address associated with your Esketit account and we will be glad to answer all of your questions in details.
Regarding the transition to Esketit Croatia:
Access to cash out, secondary market Esketit Ireland:
The purchase of claims is intended to cover the full duration of each claim. However, in certain cases, a claim may be closed earlier — for example, if the borrower fails to make timely payments, repays the loan in full before maturity, or if the lender decides to remove the claim from the platform. Such situations may occur with any loan, depending on the circumstances described above.
The Secondary Market and Cashout functionalities are optional and depend on their availability. When using these features, Esketit users repurchase the rights under the Assignment Agreement from one another. Lenders are not involved in this process, as their role is limited to placing the claims on the platform to meet their funding needs. In cases where the claims are not repaid or repurchased before their maturity date, as explained above, they may remain listed on the platform for their full duration.
Please be informed that Esketit operates in full accordance with the laws of its jurisdictions and within the applicable legal framework. Under the relevant provisions of EU and Irish consumer-protection law (including Directive 93/13/EEC on Unfair Contract Terms and the European Communities (Unfair Terms in Consumer Contracts) Regulations 1995), businesses are permitted to include contractual clauses that are transparent, clear, and presented in good faith. Esketit’s Terms of Use meet these standards and establish the contractual relationship between Esketit and all users.
The Terms of Use expressly provide Esketit with the right to suspend or stop publishing or making available any Claim for purchase or sale on the Platform at its sole discretion and without prior notice (Clause 11.6). The Terms also specify that Esketit is not liable for any loss or expense resulting from such actions (Clause 11.7). Accordingly, Esketit is fully entitled under both the contract and applicable law to suspend the operation of the secondary market.
Although Esketit is entitled to suspend this functionality without prior notice, users were informed in advance of the planned suspension. The first notification was sent on 6 October 2025, followed by reminders on 13 October 2025 and 15 October 2025, when the change took effect. Communication included a link https://blog.esketit.com/esketit-croatia-a-stronger-platform-for-the-future/ to our blog post explaining the reasons and expected impact of the change.
Esketit P2P investing
I've been investing with Esketit for 2 years and have been happy with the service and on the one occasion I had a slight problem, it was resolved quickly. I give 4 Stars and not 5 because I would like to see more short term loans to invest in (3-6 months) but to be fair non of the 4 companies I use are currently able to do this.
November 10, 2025
Unprompted review
Reply from Esketit
Good day,
Thank you for your kind review and for your commendations!
We are spoiled to hear that you are satisfied with the customer services efficiency, the immediate resolution of your request.
Regarding the short term claims supply availiblity: We are constantly working of the new Lenders and claims offering opportunities including the short term claims, as faster the new opportunities for the short claims will become available, we will inform you and all of the clients by posting the blog post on the Esketit blog page.
We are highly appreciate your loyalty and wishing you a smooth and rewarding financial journey with Esketit!
Move to Croatia - scam or amateurism?
The move to Croatia is either work of an amateur or it is a scam. 1) All loans stay under Irelands and CANNOT be liquidated, so investors lose access to their invested money until fully repaid (this will take years!!!). 2) Repayments are not auto-invested - they need to be withdrawn from the Ireland account and injected again under Croatia. You will need to do this regularly for weeks until it is fully cashed out. 3) There are also almost no loans available under Croatia account yet. Tell me, who sane would approve this transition?
October 15, 2025
Unprompted review
Reply from Esketit
Hello Vojtech,
Thank you for your feedback and for the shared comments:
We are glad to provide the required clarification:
1) All loans stay under Irelands and CANNOT be liquidated, so investors lose access to their invested money until fully repaid (this will take years!!!).
As mentioned in the recent Blog https://blog.esketit.com/esketit-croatia-a-stronger-platform-for-the-future/, the cash out Esketit automated strategies and Secondary market functionalities on the Esketit Ireland will become disabled upon the moment of the launch of the Esketit Croatia.
Access to cash out, secondary market Esketit Ireland:
The purchase of claims is intended to cover the full duration of each claim. However, in certain cases, a claim may be closed earlier — for example, if the borrower fails to make timely payments, repays the loan in full before maturity, or if the lender decides to remove the claim from the platform. Such situations may occur with any loan, depending on the circumstances described above.
The Secondary Market and Cashout functionalities are optional and depend on their availability. When using these features, Esketit users repurchase the rights under the Assignment Agreement from one another. Lenders are not involved in this process, as their role is limited to placing the claims on the platform to meet their funding needs. In cases where the claims are not repaid or repurchased before their maturity date, as explained above, they may remain listed on the platform for their full duration.
2) Repayments are not auto-invested - they need to be withdrawn from the Ireland account and injected again under Croatia.
You will be required to await till the moment your existing Esketit Ireland portfolio/claims will be repaid to your Esketit Croatia account upon the moment they will be paid by the borrower, repurchased by Lenders or reach the maturity on Esketit Ireland.
Only the available funds on your Esketit Ireland account are required to be withdrawn to your bank account and transferred to your Esketit Croatia account.
3) There are also almost no loans available under Croatia account yet. Tell me, who sane would approve this transition?
The supply of the claims are increased on the constant basis and currently there is a sufficient claims supply on the Esketit Croatia, which can be checked on the Market page of your Esketit account https://esketit.com/investor/primary-market
We truly appreciate your patience and understanding during this time, and for staying with us.
Esketit is going down
Esketit is becoming real rubbish after this whole moving to Croatia thing. They not only ask their existing customers to repeat verification steps, but even if their customers go through the extra hassle they will still block their customers' account.
October 24, 2025
Unprompted review
Reply from Esketit
Good day,
Thank you for the review and for your input.
We are glad to elaborate on your comments:
- They not only ask their existing customers to repeat verification steps, but even if their customers go through the extra hassle they will still block their customers' account.
There is requirement to perform the identity verification in order to proceed with the transition and continuing using of your Esketit account, in the situation your account is blocked, please be so kind as to contact us to support@esketit.com from the email address associated with your Esketit account and we will be ready to assist you.
Thank you in advance for your cooperation.
After the transition to Esketit Croatia…
After the transition to Esketit Croatia, all my claims in Esketit Ireland are “locked” without any possibility to sell in secondary market. The company doesn’t reply to my email
October 16, 2025
Unprompted review
Reply from Esketit
Hello Francesco,
Thank you for your feedback and for the provided comments.
We are glad to elaborate on you comments:
- The company doesn’t reply to my email
Please be acknowledged that currently we are receiving an increased amount of the incoming requests and therefore the response time is longer than usual.
Please accept our sincere apologies for the delay with the reply.
- After the transition to Esketit Croatia, all my claims in Esketit Ireland are “locked” without any possibility to sell in secondary market.
As mentioned in the recent Blog https://blog.esketit.com/esketit-croatia-a-stronger-platform-for-the-future/, the cash out Esketit automated strategies and Secondary market functionalities on the Esketit Ireland will become disabled upon the moment of the launch of the Esketit Croatia.
You will be required to await till the moment your existing Esketit Ireland portfolio/claims will be repaid to your Esketit Croatia account upon the moment they will be paid by the borrower, repurchased by Lenders or reach the maturity on Esketit Ireland.
We truly appreciate your patience and understanding during this time, and for staying with us.
Out of nowhere
Out of nowhere, they will phase out the SM and cashing out from Esketit Ireland so existing claims are locked. No prior info, a complete silence, and too many untransparent changes with marketing statements that things are getting better and safer. They are throwing their investors under the truck, exiting most of my claims after 4 years with Esketit. What a shame
EDIT to answer your reply below: what are you talking about? your reply seems like a template and doesn't answer how come you throw your investors under the truck in term of liquidity? who talked about outstanding listing? we are talking about purchased claims and the no transparency. The platform is going down the sink. Short term originators run from you, even cream finance short and long term, you are left with high risk startups with negative ratios, you close account of users without mentioning why, obviously you got into legal trouble in Irland, didn't you?, you force long term only and do a cash back campagin on Mojo of 14% and 2% back to hunt for investors. Then you say we are blocking liquidity all together on Ireland platform without previous notice and mention it was "optional" in the first place hahaha. Did I summarize all disrespect and non transparet actions in the last few months? I think not, but I have no time anymore.
October 8, 2025
Unprompted review
Reply from Esketit
Hello Hendrik,
Thank you for your review and for the expressed feedback.
We are glad to elaborate on your comments:
- Out of nowhere, they will phase out the SM and cashing out from Esketit Ireland so existing claims are locked, no prior info, a complete silence.
On 06.10.2025, we have sent the following email to all of the Esketit users:
Welcome to Esketit Croatia – here’s what it means for you.
In the email we have shared the combined insights and explanation when and how the transition will be performed, we have also posted the blog post on the same date with the detailed breakdown and compete information included in regards to how the transition will be executed, you are welcome to familiarize yourself with the information by accessing the link posted below https://blog.esketit.com/esketit-croatia-a-stronger-platform-for-the-future/
- They are throwing their investors under the truck, exiting most of my claims after 4 years with Esketit.
Regarding the outstanding claims it is important to be aware that the claim purchases are required to be considered for the complete term of the claim, as the Esketit automated strategies cash out and the Secondary market functionalities are optional and subject to availability.
On the other side, outstanding claims listed on the Eskeit Ireland might be not be listed for the complete term, as the funding/new claims listing activities will be fully operating in the Esketit Croatia.
- And too many untransparent changes with marketing statements that things are getting better and safer.
As mentioned above we have provided the detailed explanation on how the transition will be performed, in the situation there are any doubts or unclarity left on your side you are very welcome to contact us to support@esketit.com from the email address associated with your Esketit account, and we will be more than happy to answer all of your questions, clear your doubts and assist you in the best way possible!
Reliable P2P platform
Reliable P2P platform, good yield, good support and quick withdrawals.
September 2, 2025
Unprompted review
Reply from Esketit
Good day,
Thank you for your kind review and for the expressed compliments!
We are spoiled to hear that you are satisfied with the yield opportunities, fast processing of the funds transferring and the customer support efficiency, provided on the Esketit platform.
We wish you tremendous financial success with Esketit!
Not a great experience
Not a great experience ! I will not encourage anyone to continue with Esketit, Just follow my lead.
August 11, 2025
Unprompted review
Reply from Esketit
Dear Esketit clients,
This review is flagged as spam.
Please, be aware of spam and bot-created advertisements of other services and reviews that interfere with the summary of real user impressions.
If you notice such reviews, please help us by flagging them as spam.
Thank you!
Friendly, problem solved but long reaction time
SMS verification code did not come through. Friendly customer service created a workaround and solved the problem. However, 24 hours would elapse between reactions. Because e-mails went to and fro, in the end a relatively simple problem took 3 days to put right
July 25, 2025
Unprompted review
Reply from Esketit
Good day Klant,
Thank you for your review and for the expressed feedback.
We are glad to hear that you are satisfied with the customer service of the Esketit platform!
Regarding the response time: Please be acknowledged that in general it can take up to two business days in order to receive answer, as we are answering the emails in the consecutive queue order.
Please let us know if there is anything else we can do to improve your experience.
We wish you a smooth and rewarding financial journey with Esketit!
Customer Service with fast response…
Customer Service with fast response time. The platform itself does what it supposed to do - let my money work for me ;)
July 21, 2025
Unprompted review
Reply from Esketit
Hello Stephan,
Thank you for your kind review and for the expressed compliments!
We are delighted to hear that you are satisfied with the customer services efficiency, the immediate resolution and the income opportunities presented on the Esketit platform.
Thank you for choosing us as your P2P partner!
Just go elsewhere
It has been more than a month that I have received a notice of my account termination. It is supposed to be a 10-day notice but, well, who cares, right? They are not regulated so they do not need to abide by their own contractual terms.
The account is still active with the balance of EUR 5,70. Not sure how long before they shut me down completely but this has been an interesting experience I do not plan to repeat.
July 16, 2025
Unprompted review
Reply from Esketit
Good day,
Thank you for your additional review and for the shared feedback.
We are glad to elaborate on your comments:
- It has been more than a month that I have received a notice of my account termination. It is supposed to be a 10-day notice but, well, who cares, right? They are not regulated so they do not need to abide by their own contractual terms.
The account is still active with the balance of EUR 5,70. Not sure how long before they shut me down completely but this has been an interesting experience I do not plan to repeat.
As the claims were liquidated prematurely, it is a common sense that there is an some of the interest to be received for the days you were in the possession of the claims, the interest will be paid on the time of the next payment will be maid by the borrower or the buy back obligation execution by the Lender in the situation with the late claims, the remaining interest will be accumulated on your Esketit account within the approximately 1 - 3 months period and will be paid out accordingly.
Please let us know to support@esketit.com if you have any doubts or unclarity left and we will be ready to elaborate.
Once again, Esketit team thanking you for the participation and wishing you all the best.
Great platform
The platform is easy to use and automatic investment works well. The support is also very reactive.
July 10, 2025
Unprompted review
Reply from Esketit
Hello Nicolas,
Thank you for your complements and for the kind review!
We are happy to hear that you are satisfied with the services provided by the Esketit platform and customer support reactiveness.
We wish you tremendous financial success with Esketit!
Excellent client attention service
Excellent client attention with my registration and my first deposit
July 8, 2025
Unprompted review
Reply from Esketit
Good day José,
Thank you for your review and for the kind words!
We are delighted to hear that you are satisfied with the approach and assistance of the Esketit customer support.
We wish you a smooth and rewarding financial journey with Esketit!
I had been using the service without…
I had been using the service without issue for some time. Recently I received a notice that my account would be closed though no specific reason was provided. I have contacted support for clarification but haven't received a detailed explanation yet. Since there haven't been any changes on my side, I am left uncertain about what led to tis decision.
I have shifted my focus to where I get clearer policies and more responsive communication. Novus Limes runs with precision and access to my holdings isn't a feature, it's the standard.
June 22, 2025
Unprompted review
Reply from Esketit
Dear clients,
This review is flagged as spam.
Please, be aware of spam and bot-created advertisements of other services and reviews that interfere with the summary of real user impressions.
If you notice such reviews, please help us by flagging them as spam.
Thank you!
Platform of little interest
Since AvaFin left, what's left ? start-up companies that raise millions without showing any financial number. Investors have the great privilege to earn between 7% and 10%, interacting with an old interface that is far from being professional (look at other P2P platforms...). Finally, a CEO that never appears anywhere and one founder who patronize (and sometime become aggressive) with anyone who raise concerns on social media. Esketit is built on dust and illusion.
A FEW EDITS on some answers provided by Esketit (bored to reply to everything)
EDIT 1 : The biggest lenders have NEVER provided any financial report although they have been operating since 2 or 3 years now.
EDIT 2 :! STOP with your Telegram marketing ! 95% of your investors DON'T CARE Telegram.
EDIT 3 : I really like the anonymous manner to answer "we have not seen any aggressive communication". Well, actually, I did not expect you to acknowledge that. Maybe .... Davis Barons, if you read that, stop your show on Telegram... I will call that holidays (for you and us).
EDIT 4 : To read your answer Mr/Mrs Anonymous Esketit, EVERYTHING IS FINE in the perfect world of Esketit. Can be true for Esketit founders who make a lot of money. But I CAN GUARANTEE it is not for investors. Have you looked at your note here ? You seem very proud of yourselves guy, you make money and are successful. Good for you. But once again, your first partners, us, the individual investors, are not... happy.
June 14, 2025
Unprompted review
Reply from Esketit
Hello Alex,
Thank you for your review and for the expressed feedback.
We are glad to elaborate on your comments:
- Since AvaFin left, what's left ? start-up companies that raise millions without showing any financial number.
As you understand it is completely normal situation in the business that some of the Lenders can make a decision to choose their funding ways according to their preferences and business strategy, therefore, it is absolutely normal that some of the companies onboard or off-board from the platform.
We are in the constant search in the exploration of the potential Lenders and there are alot of the work and efforts performed from the Esketit side.
Regarding the financial reports, Lenders which are present on the Eskeitt are publishing their financial report on the regular basis, it is common sense that for different Lenders the reports are prepared and posted within the different timelines, we are kindly asking you to patiently await for the financial reports to be published, as it has been mentioned by the Esketit founders in the Esketit Telegram group, as well as the new potential Lenders for joining Esketit.
- Investors have the great privilege to earn between 7% and 10%.
As mentioned above, we are in the ongoing process of the search and on-boarding of the new Lenders.
Regarding the interest rates: The interest rates might vary according to the requirement of the Lenders to attract funding, overall financial and market situation changes.
- Interacting with an old interface that is far from being professional (look at other P2P platforms...).
We are fully opened for the feedback and suggestions for the improvements including the user interface and constantly working on providing more convenient solutions to make the platform usage process more efficient for all of users, nevertheless, there are also should be room for balance in order to do not over complicate the user interface.
- Finally, a CEO that never appears anywhere and one founder who patronize (and sometime become aggressive) with anyone who raise concerns on social media.
We will allow our self to not agree with your comments, as there is a lot of the involvance in the communication of the Esketit CEO and the founders of the platform, as we understand you are also inquiring about the communication happening in the Esketit Telegram group, as can be clearly checked and seen, the communication is held in clear, polite and professional and we have not seen the co called ''aggressive communication'' with anyone who raise any of the concerns, Esketit team, CEO and Esketit founders are always open for answering any of the questions raised by the Esketit clients.
- Esketit is built on dust and illusion.
Esketit is highly successful project which has earned the clients trust and recognition and bringing regular profit to the Esketit clients, this can be easily checked on the statistics page https://esketit.com/statistics by tracking of the constant increase of the capital under the management and constantly increase amount of the clients which are registered on the Esketit platform and enjoying of the spectacular service and the interest earning opportunities provided for the Esketit clients, there were no defaults on the platform, Esketit founders Davis Barons and Matiss Ansviesulis did not lose any of the investors funds during their 13+ years of professional career.
According to all of the mentioned above: We can definitely state that the Esketit is indeed built on trust and bringing the real results which reflects in the interest income for the Esketit clients.
More than 3 years now investing with…
More than 3 years now investing with Esketit and all goes well. Very happy
June 6, 2025
Unprompted review
Reply from Esketit
Hello Jose,
Thank you for your review and for the kind words!
We are happy to hear that you are satisfied with the services provided by the Esketit platform.
We highly appreciate your loyalty and wishing you a smooth and rewarding financial journey with Esketit!
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