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.


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


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
Deposit funds

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

Choose a loan or Investment Plan

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

Wait for a match

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

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

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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F88 writes about MyConstant

Frequently-asked questions (FAQs)

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 and we'll be happy to help you.

Loan Originator is a global product, meaning it allows you to invest in people and businesses around the world. In the US, there are restrictions on what you can invest in and where as certain jurisdictions and products pose a higher risk than others. When you’re an accredited investor, you’re allowed to invest in securities that aren’t registered by the Securities and Exchange Commision (SEC) such as those offered by Loan Originator.

An accredited investor is someone who can legally invest in non-registered investment securities. They usually have to meet certain income or net worth requirements, or have to demonstrate professional investing experience. For example, accredited investors are those with a net worth of $1 million (less the value of their primary residence), an annual salary of at least $200,000 ($300,000 if it’s a joint income), or who are registered as brokers or investment advisors.

If you meet the SEC criteria for being an accredited investor, you already are one. You don’t have any forms to complete or sign. Simply fulfilling the criteria makes you an accredited investor. Before you invest in Loan Originator, we will ask you certain questions to establish whether you meet the criteria of accredited investor. And if approved, you’re free to invest in Loan Originator loans.