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How it works
Loan Originators
MyConstant Rating

A world of lending at your fingertips

Earn up to 11% APR investing
in loans from the top loan
originators in the world.

Diversify your investments and multiply your returns across global lending markets. Choose an Investment Plan (Auto Invest) for easy investing or follow your own strategy (Manual Invest). All loans include the loan originator’s buy-back guarantee in case of borrower default.

For accredited investors only

Vetted loan originators
Greater choice of loans
Zero fees

Why invest in Loan Originator loans?
Higher returns
Higher returns

Access 1,000s of borrowers from loan originators around the world to earn up to 11% APR.

Periodic repayments
Periodic repayments

Reinvest or withdraw earnings as you go when you choose loans with regular scheduled repayments.

Diversification
Diversification

Balance risk and reward across multiple originators, borrowers, countries, and loan types.

Protection
Protection

Minimize risk with MyConstant Ratings and the loan originator’s buy-back guarantee behind every loan.


What is a Loan Originator loan?

Before you start exploring Loan Originator, let’s quickly review what a Loan Originator investment is.

A Loan Originator investment is a Claim Right against a loan issued by our loan originator partner. Instead of buying the loan with all the rights and ownership of collateral (if any), you’re buying a right to receive payments from an existing loan.

You buy this claim right from the loan originator by entering into an Assignment Agreement, which governs the terms of your investment.

The Buy-Back Guarantee is an agreement that the loan originator will buy your claim right back if the underlying loan is late by 60 days or more.

The Buy-Back Guarantee depends on the Loan Originator’s financial capability to honor it. We give each loan originator a MyConstant Rating to help you assess the quality of the loan originator and their loans, but as this is just a guide, always use caution and diversify.

You can find out more about Loan Originator investments on our blog


How it works
how it work
1
Deposit funds

Before you choose a loan or Investment Plan, deposit the funds for your investment. The minimum is $50.

2
Choose a loan or Investment Plan

Select an Auto Invest Investment Plan or filter and select loans individually with Manual Invest.

3
Wait for a match

Matching is usually instant, but might take a little longer depending on the loan or Investment Plan you choose.

4
Start earning interest

Once your funds reach the loan originator, you’ll start earning interest. This might take up to 10 business days from the date you match.

Learn more about service times

5
Withdraw or reinvest

Withdraw or reinvest your earnings when the term ends, or sooner if your borrower repays in regular instalments.


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Frequently
Asked Questions

Here you'll find answers to the most common questions our customers ask. If you can't find your answer here, please email us at hello@myconstant.com and we'll be happy to help you.