Invest in high-yield opportunities and diversify your portfolio with Canada’s leading P2P lending platform.
Data as at September 30, 2024, updated quarterly.
At goPeer, we connect investors to the lucrative consumer credit market, offering high-yielding consumer loans as an appealing investment option.
Our offerings come with competitive interest rates, aiming to provide a strong internal rate of return (IRR).*
Interest Rates and Investment Returns
Our offerings feature competitive interest rates, providing the potential for a strong internal rate of return (IRR) based on historical performance.*
Data as at September 30, 2024, updated quarterly.
Understanding Risks
Investing through goPeer offers opportunities for attractive returns but comes with risks such as defaults and economic downturns.
Diversify your investments and understand that peer-to-peer loans are long-term commitments with no secondary market for early selling.*
Investment Grades
Loans are graded by goPeer based on their credit risk. Our loan officers then assign the appropriate interest rate for each loan.
No minimum investment
Decide how much you want to invest in each loan. Enjoy the flexibility to choose based on your financial goals and preferences.
Your investment is pooled with hundreds of other investors, a collective effort to fund a single loan.
Sit back, relax and earn
passive income.
Open your free account today. No investment required.
Default Risk
Risk: If the borrower doesn’t repay the loan, you may lose your investment
Mitigation: Diversify your investment across hundreds of borrowers*
Liquidity Risk
Risk: You cannot sell your investment early, and terms are typically 3 or 5 years
Mitigation: Monthly repayments are deposited directly into your account*
Prepayment Risk
Risk: If the borrower prepays the loan early, you’ll need to reinvest to continue earning
Mitigation: Enable auto-invest to reinvest quickly and compound your returns*
With our asset class not tied to the stock market, you can reduce the volatility in your portfolio performance.*
Earn a passive income from monthly interest and principal repayments.
Invest in unsecured personal loans and try something new with Canada's leading P2P lending platform.
goPeer’s collections and recoveries team pursues every single late or defaulted loan to recover as much as possible. We use a variety of methods and technologies that analyze the specific financial situation of each borrower to maximize your recovery.
When a loan defaults and a full recovery becomes less likely, then the loan will be charged-off, and your account will show a total loss of principal on the affected Note. We will however continue to pursue recoveries, so it’s worth remembering that the amount lost on recent defaults may improve over time.
goPeer takes delinquencies and charge-offs very seriously, we invest considerable time to understand and learn from each one, including routine analyses of the data to continuously learn, improve and optimize our underwriting model.
goPeer closely monitors external macroeconomic conditions in addition to the performance of loans. Where signs indicate worsening conditions, we will make credit strategy changes to favour investor yield for new loans.
In addition, we regularly perform stress tests to simulate what could happen to investor returns during difficult periods, for example during an economic downturn. This is just one of many steps we’ve taken as part of a comprehensive, data-driven approach to risk management at goPeer.
There is no minimum investment on the platform, however the Notes issued must be purchased in $10 increments. We do however recommend an initial deposit of at least $1,000 to allow for a diversified portfolio, for example by investing $10 across 100 different loans.
At goPeer privacy and security is very important to us and is something that we take seriously. We operate a digital business within the financial services sector, necessitating increased consideration and scrutiny. Appropriately our platform has been built upon the principals of Security by Design, meaning that it has been designed from the foundation to be secure.
We implement a multi-layered approach to security, with strict constraints and controls in place for each layer to establish a fortified barrier. Among these layers we incorporate specialised security protocols including bank grade or better encryption of data at rest, in motion, and additional public-key (RSA-4096) encryption of sensitive information. The public-key encryption allows a system collecting sensitive data to encrypt and store it, but not retrieve or decrypt it, ensuring that no system or person, including staff, can decipher it, except for the intended system.
As a securities dealer and the first registered consumer peer-to-peer platform in Canada, we are subject to an annual third-party audit. goPeer has retained Stamped, Chartered Professional Accountant Inc. as it’s auditor.
Further details pertaining to the security and privacy of personal data is disclosed within our Privacy Policy.
You need to be living in Canada and have a Canadian bank account to be able to invest through goPeer.
goPeer may solicit its clients to leave public reviews. The testimonials presented may not be representative of the views of all investors or borrowers, and your own experience may differ.
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This material contains certain tables and other statistical analyses that have been prepared by goPeer. Actual figures may differ. Numerous assumptions have been used in preparing this statistical information, which may or may not be reflected in the material. The statistical information should not be construed as legal, tax, investment, financial, or accounting advice. The Information is provided as of the dates shown and is subject to updating and revision, and may change materially without notice. Subject to applicable regulations, no person is under any obligation to update or revise the information. The information may contain various forward-looking statements, which are statements that are not historical facts and that reflect goPeer’s beliefs and expectations with respect to future events and financial and operational performance. These forward-looking statements involve known and unknown risks, uncertainties, assumptions, estimates and other factors, which may be beyond the control of goPeer and which may cause actual results or performance to differ materially from those expressed or implied from such forward-looking statements. Nothing contained within the information is or should be relied upon as a warranty, promise, or representation, express or implied, as to the future performance of any loans. Any historical information contained in this statistical information is not indicative of future performance.
Please note:
Past performance is not a guide to future returns, and your capital is at risk when investing through goPeer. As you are investing to your own individual portfolio of loans, your actual return and the actual bad debt you experience may be higher or lower than projected net returns. Please reach out to a Dealing Representative registered with Peer Securities Corporation (operating as goPeer) if you have any questions.
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Peer Securities is a member of the Ombudsman for Banking Services and Investments,
and a registered exempt market dealer in all Canadian provinces. NRD #65410
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