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goPeer is Canada's First Consumer
How it works
goPeer connects Canadians looking for a loan with Canadians looking to invest.
As a goPeer investor, you invest in Canadian consumer loans, earn interest and monthly passive income – just like a bank!
Diversify your Portfolio
goPeer offers a new fixed income asset class uncorrelated with stocks or bonds.
Invest as little as $10 per loan and diversify your investments across as many borrowers as you wish to stabilize overall returns.
Get Monthly Payments
Borrowers make fixed monthly repayments with interest, which are deposited directly into your account.
Use the Auto-Invest feature to automatically select investments and reinvest your earnings to compound your interest.
Help Fellow Canadians
goPeer is 100% Canadian. When you invest in a goPeer loan, you contribute to helping real people in Canada.
Our innovative approach to lending focuses on financial wellness, empowering Canadians to help each other achieve their goals faster.
The goPeer Platform
Explore the Marketplace
Browse through the platform and select the loans that matches your investments objectives.
Perform Due Diligence
Each investment note provides borrower details such as their annual income, credit score range, debt-to-income ratio, and more.
Portfolio & Activity Tracking
Gain in-depth insights of your investments made through goPeer. Export and analyze your portfolio data as you wish.
Investing on Auto-Pilot
With Auto Invest , goPeer can do the heavy lifting for you. Auto Invest actively looks for investment notes based on your preferred risk grades and uses a portion of your available funds to automatically invest into them.
How we mitigate risk
Rigorous credit assessment
goPeer uses advanced technology to assess every application, so only creditworthy individuals are approved for a loan and placed onto the platform.
With a $10/loan minimum investment, spreading your investment across many borrowers is important to stabilize your returns. As such, we require a minimum commitment of $1,000, so that you can invest in at least 100 different loans.
When a borrower is unable to fully repay their loan, goPeer handles everything for you. goPeer’s collections and recoveries team works to recover as much as possible for you so that your returns can be as high as possible.
goPeer is committed to full transparency and strives to build trust with our members - we will regularly update historical statistics on loans issued through goPeer to give you insights on our business.
goPeer has been featured on
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How does goPeer make money?
Investors are assessed a 1.5% annual servicing fee (0.125% monthly) deducted from loan repayments, so you only pay when you earn.
No management, brokerage account, or transaction fees.
No charges to deposit, transfer or withdraw funds.
Benefits of investing through goPeer
Canada's first consumer peer to peer lending platform
Join the thousands of people who love investing through goPeer
Loan applications received
Average interest rate
Data as at August 31, 2021.
What our members say about goPeer
Open your free account today
1 Answer a few questions about your investment objectives.
2We’ll determine what note grades are suitable for you.
3 Transfer funds and start investing.
We have a detailed Help Centre to answer some frequently asked questions.
This information should not be construed as legal, tax, investment, financial, or accounting advice. 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. Investments available through goPeer are not bank deposits (and thus is not insured by the CDIC or other federal governmental agency), are not guaranteed, and may loose value. Investors must be able to afford the loss of their entire investment. This website provides preliminary and general information about the notes available on goPeer and is intended for initial reference purposes only.
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.