Investor Protection

Investing in peer-to-peer (Crowdfunding) lending is often compared to real estate and stock market. The truth is that Crowdfunding lending offers better and balanced risk-return as compared to the other two. It is a newly emerging investment concept. It is suited to a specific set of investors, and has its own risk-return parameters. However, it is becoming popular among those looking for newer investment avenues. As compared to the stock market or real estate, it offers balanced risk and returns. Basically, you can become a personal loan lender through Crowdfunding lending. The risk and return are in your hands because you can choose the borrowers you want to lend money online and at what interest rate. At eLoan, the average returns are about 15% with zero volatility risk. The cash flow is not tied to maturity and starts immediately after the investment. So, it gives regular income, which real estate or stock market cannot. Also, we have a lender protection policy to safeguard investors from defaults. You can start investing for an amount as low as $10,000,000 VND so even small investors can explore this option. In a nutshell, in Crowdfunding lending, you know for certain what you are getting into.

The purpose of this page is to inform you about the potential loss of investing through eLoan.

What exactly is funding risk?

Funding risk refers to the possibility of losses incurred on the funding provided by the Investor. Bearing this in mind, the Investor is advised to consider the various risks that may predictably occur before providing funding through the eLoan platform. Although eLoan has an accurate credit-scoring system, a competent credit appraisal team, and will only lend to businesses or individuals with good levels of creditworthiness, the risks inherent in your funding cannot be completely avoided. With every funding activity, the Investor has the potential to lose all of their funding or the potential to find their expected principal and interest payments affected by several factors. To avoid this, you should first learn about the following risks and then determine the appropriate steps in providing your funding.


While the financing facilities currently offered by eLoan comes equipped with comprehensive risk mitigation systems in the form of credit-scoring, verification and credit grading. In addition, the level of accuracy with the credit-scoring and grading systems that we use may not reflect the condition and character of the Borrower's credit as a whole. Furthermore, the Borrower may default due to unexpected conditions such as severe illness or death. Therefore, if the Borrower defaults, or fails to keep up payments on their loan, eLoan will promptly inform the Investor and attempt to recover the debt from the Borrower as part of our commitment to obtain a favorable solution for all parties, particularly the Investor. We will deploy debt recovery efforts through a Third-Party collections unit using means which comply with the appropriate and valid legal requirements. Despite this commitment, eLoan cannot fully guarantee either the success of Third-Party involvement or that of legal action in recovering any remaining balance on the loan which may result in a total loss on the funding provided by the Investor.


Fraud refers to such conditions where the Borrower is not the true owner of the identity disclosed resulting to non-payment. The Borrower may have become a victim of identity theft or may themselves have falsified documents and credit history information that could misleadingly affect their profile in terms of exaggerated ability to pay. To avoid such scenarios, eLoan will protect the Investor with a comprehensive security verification and risk management analysis. Our team almost always performs an on-site survey and in-person interview prior to approving any loan.

Recessions or Economic Crises

Even though Crowdfunding lending practices have been popular for over a decade globally, no guarantee exists that such practices will remain sustainable in the event of a recession or economic crisis. In such conditions, defaults or missed payments would be expected to rise and could result in falling rates of return for Investors, both on the principal and on the interest.

Diversify Your Investment

No company can avoid the risk of bankruptcy caused by unexpected conditions, but eLoan will nevertheless strive to safeguard its existence by relying on the integrity of its reputation and funding portfolio, supported by a solid and experienced management and operational team.

What other steps should you therefore take to mitigate such risks? Diversify your eLoan account across a range of loans.

“Don't put all your eggs in one basket.”

Warren Buffett

Diversification in your eLoan portfolio is a highly critical factor—carrying it out is crucial. As a new Investor, you are advised to lend appropriately according to your risk profile.

Note: the minimum amount for lending is VND 1,000,000 for Personal Loans and VND 20,000,000 for Business Loans.