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Invest – home

Canada's first Consumer
Peer to Peer Lending Platform

Invest in your peers and earn interest on your loans

Invest | goPeer

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 Investment 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.

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 our Auto Invest feature, goPeer can do the heavy lifting for you. Auto Invest actively looks for investment notes based on your preferred risk grades uses a portion of your available funds to automatically invest into them. 

goPeer | Auto Invest

goPeer has been featured in

goPeer has been featured in

Canada's first consumer peer to peer lending platform

goPeer is Canada’s first consumer P2P lending platform dedicated to helping everyday Canadians to lend and borrow from each other. Our innovative approach to lending focuses on financial wellness, empowering Canadians to help each other achieve their goals faster. We are able to offer better rates to borrowers than traditional lenders while allowing everyday Canadian investors to access a new passive income asset class.

Put your money to work, like a bank

Only lend to creditworthy individuals

We safeguard your assets

One small fee

How we manage 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.

Diversification

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 notes.

Peer to Peer lending | goPeer

Loan Servicing

When a person 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.

Benefits of investing through goPeer

Recurring cash flow

Earn recurring, monthly passive income in the form of loan installment repayments.

One low fee

Investors are assessed one low annual servicing fee of 1.5% on the repayments.

Compound your interest

Use the Auto Invest tool to automatically select investments and reinvest your earnings.

Regulated under Canadian laws

goPeer has all the necessary licences and permits to operate in compliance with Canadian laws.

Safe and secure

Your uninvested funds are held in trust. goPeer uses state-of-the-art data encryption.

Help out real people

When you invest in a goPeer loan, you contribute to helping real people in Canada.

Join the thousands of people who love investing through goPeer

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Investors

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Loan applications received

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Average interest rate

Data as at April 30, 2021.

goPeer Statistics

In the spirit of transparency and building trust with our members, we will regularly update historical statistics on loans issued through goPeer. 

Start investing in 5 minutes

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.

Have questions?

We have a detailed Help Centre to answer some frequently asked questions.