It is a good alternative to P2P investment to diversify without cash drag and good yield. But Afranga needs a faster support and a better way to deal with cash in and out. Lemonway is not a... See more
Company replied
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Hi guys. I invested in Afranga, it worked. I did what they required and I made my account, I transfered some money, I invested them but they didn't validate my bank account. So, I can't withdra... See more
Company replied
I am satisfied with this p2p lending company. Interest corespond to risk. Deposits are fast, but withdrawals take a very long time in comparison to other platform. Also a secondary market would be ver... See more
UPDATE August 2023: I have just read the 2022 financial statement of Stick credit/afranga. There is a significant increase in losses from impairment of loans, which has gone up from BGN 1,562 in... See more
Company details
Written by the company
Afranga – Build Your Wealth Through Passive Income! Afranga is a regulated European crowdfunding platform that connects investors with high-growth businesses through company-backed loans. With just a few clicks, you can build a diversified loan portfolio and earn passive income—seamlessly and securely. Our mission is to help investors protect and grow their wealth. We offer access to vetted business loans with yields of up to 16% annually, supported by thorough due diligence and continuous monitoring of each issuer. Afranga makes investing effortless. No paperwork, no complexity—just transparent investing in a fully regulated environment. Investors have full access to company information and disclosures through the Key Investment Information Sheet (KIIS), ensuring confident, informed decision-making. Afranga is licensed under the ECSP Regulation and supervised by the Bulgarian Financial Supervision Commission. Client funds are held in individual accounts by Lemonway, a payment institution licensed by the French regulator ACPR. Whether you're looking to diversify your portfolio or generate reliable passive income, Afranga offers a smart, accessible, and transparent way to invest in the real economy. Join Afranga and turn opportunities into returns.
Contact info
79B Aleksandar Malinov Blvd., 1715, Sofia, Bulgaria
- +359 889 405 572
- support@afranga.com
- www.afranga.com
3.4
Average
39 reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 90% of negative reviews
Typically replies within 2 weeks
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5 years without any problems!
I have been using the platform for over 5 years. I am currently writing a review about it on my blog. Afranga is one of the best crowdfunding platforms in Europe. Flawless performance for years! Moreover - it is easy to use.
October 3, 2026
Unprompted review
Reply from afranga.com
A review from a long-standing investor carries particular weight, Blagovest, so thank you for sharing yours. We are pleased that, after all this time, you still find the platform easy to use.
The Afranga team
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It works well.
September 16, 2026
Unprompted review
Reply from afranga.com
Glad to hear it, Alejandro, and thank you for the review.
The Afranga team
I am very satisfied
I have been investing in Afranga for the last year. I am very satisfied with my results and with the customer support I get when I need it.
September 14, 2026
Unprompted review
Reply from afranga.com
Thank you for your review, Ventsislava, and for a year of investing with us. A year is a fair period over which to judge a platform, so we are glad that you remain satisfied, and we are particularly pleased that our support team has been there on the occasions you needed them. We value your continued trust in Afranga.
The Afranga team
I've been a friendly user for the past…
I've been an Afranga user for the past one year, and I have already recommended it widely to family members and friends. I will continue to do so, as I have been truly satisfied with their overall customer service, the offers they have in terms of interest rates, the early payoff of the loans, and the user-friendly and intuitive website. It's an overall highly positive experience that I've had so far.
September 11, 2026
Unprompted review
Reply from afranga.com
Thank you for this detailed review, Emiliya. It is genuinely useful to us when an investor sets out which parts of the service are working, and we are pleased that your first year with Afranga has been a positive one across the board, from the website itself through to our customer service team. Should anything ever fall short of that standard, please write to us at support@afranga.com and we will look into it.
The Afranga team
Reply from afranga.com
Thank you for your review, Jaroslav. We are glad that the platform has served you well, and we appreciate you taking the time to share your experience publicly.
The Afranga team
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Very easy, and good invest
September 11, 2026
Unprompted review
Reply from afranga.com
Thank you for your feedback, Emmanuel. Keeping the platform straightforward to use is a priority for us, so it is good to know that this is how you have found it. Our team remains available at support@afranga.com should you need anything.
The Afranga team
They didn't pay for my referral
I referred a friend through a working link that claimed we'd each receive 100 euros. Afranga lowered the amount to 50 euros just a few weeks later, but they didn't pay us either the 100 nor the 50 euros. I've been investing with them for years and I'm quite disappointed by this. I don't think this is the right way to treat an active, long-term investor.
EDITED 06/08/2026. Like I explained, I cannot be held accountable for knowing the dates when your campaigns run. The link I used was active, working and usable, my friend signed up through it. The link showed a working site which claimed we'd be paid 100 euros each, and the said website did not contain an end date to the best of my knowledge. It's on Afranga that, for whatever reason, the link was still viable when it shouldn't have been.
August 3, 2026
Unprompted review
Reply from afranga.com
Hi Marc,
Thank you for your feedback. We would like to set the facts out openly.
Our Refer-a-Friend campaign with the 100 EUR bonus ran from 1 to 31 May. You took part in it, you referred two people within that period, and both bonuses were paid to you in full at the time. Nothing has been withheld from you for a referral that met the terms of a live campaign.
The referral you are describing was made in July, after the May campaign had ended. No referral bonus has been paid to anyone after 31 May, and we apply that the same way for every investor. The 100 EUR was also not reduced to 50. That campaign closed at the end of May, and a separate referral programme launched on 1 August with its own terms and its own start date, applying to referrals made from that date onward.
Afranga is a licensed ECSP, regulated by the FSC in Bulgaria. Our team is available at support@afranga.com.
The Afranga team
Good service bad to put cash in and out
It is a good alternative to P2P investment to diversify without cash drag and good yield.
But Afranga needs a faster support and a better way to deal with cash in and out.
Lemonway is not a good operator in my point of view, and the alternative to put our own bank data is even worst, because is causing problems in sending money to the account
You need something with less problems and more reliable
July 4, 2026
Unprompted review
Reply from afranga.com
Hi Miguel,
Thank you for taking the time to write this, and for the balanced feedback. Both of the points you raise are fair ones.
On support speed, you are right, and verification requests in particular have taken longer than they should. Improving response times is a priority for us and we are working on it.
On deposits and withdrawals, your funds are held in segregated accounts with our payment provider, Lemonway, and we are working on making the whole cash in and cash out experience simpler and more reliable. Two things that reduce problems in the meantime. First, always put your Afranga investor ID as the payment reference, because transfers that arrive without it have to be matched manually and that adds days. Second, a standard SEPA transfer is currently the most predictable route: instant transfers are not yet supported and are processed as standard SEPA, so anything sent outside working days is credited on the next working day.
If you have a deposit or a bank account verification still open right now, write to support@afranga.com with the subject "Trustpilot - Miguel" plus the date and amount, and we will pick it up directly.
Thanks again for the feedback, this is the kind that helps us prioritise.
The Afranga team
No withdraw because no validation of any bank account
Hi guys.
I invested in Afranga, it worked. I did what they required and I made my account, I transfered some money, I invested them but they didn't validate my bank account.
So, I can't withdraw any money from Afranga.
They are not able to validate my bank account and everytime they told me that the Lemonway didn't make it.
The Afranga told me that everything is fine, but the Lemonway doesn't approve them. Everytime they assured me that in 1 to 2 business days will be fine. It took 1 month and the situation is still on pending. I can just add money to the platform but I never could withdraw it. I spoke with 4 different persons from Afranga (2 on phone and 2 on emails and nothing). I sent them different bank statements for 2 different accounts and they didn't validate anyone.
Till now (one month and it is not solved) it is just one way, only invest money but no withdrawals.
June 17, 2026
Unprompted review
Reply from afranga.com
Hi Miha, thank you for your patience, and we understand a pending withdrawal is frustrating. Bank-account validation requires three specific documents: a recent bank account statement, a certificate of account ownership, and your bank identification details (RIB/IBAN). A transaction confirmation can't be used to verify ownership — that's the most common reason a validation stays pending despite documents being uploaded. If you send those three items to support@afranga.com referencing this review, we'll complete your validation and enable withdrawals straight away. — The Afranga Tea
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Unfair referral program policy – Disappointing customer experience
I am extremely disappointed with Afranga’s referral program management and their rigid approach toward loyal customers.
I referred a friend who completed the registration and initiated the €1,000 deposit well within the promotional campaign period. However, due to standard banking processing times—a factor that is entirely outside the investor's control—the funds were only officially credited and invested 3 days later, falling just after the June 1st deadline.
Afranga is now refusing to pay the €100 bonus to both me (the referrer) and my friend (the referred investor), hiding behind strict terminology. The intention, the registration, and the financial commitment were all made on time. Punishing users for bank clearance delays shows a complete lack of flexibility and good faith.
This rigid positioning hurts Afranga’s credibility and leaves a very poor impression on how they value community growth and customer loyalty. I expected a much more professional and fair resolution.
May 30, 2026
Unprompted review
Reply from afranga.com
Hi Jorge,
Thank you for referring a friend to Afranga, and we understand the timing here is frustrating.
Our referral campaigns ran to a fixed window, and the bonus is tied to the date the funds are credited and invested — not the date of registration or transfer. We apply that cut-off the same way for everyone, which is what keeps the campaign fair across all participants, so in this case the deposit fell outside the eligible period.
We know bank clearing times aren't in your control, and for that reason we always recommend initiating deposits a few days ahead of any campaign deadline.
If you have questions about the terms, our team is happy to walk you through them at support@afranga.com. —
The Afranga Team
Suport team very helpfull and effective
I am new in the platform but so far things are going well.
I needed assistance and the suport team was very helpfull
March 3, 2026
Unprompted review
I cannot verify my identity
I created the account a few weeks ago and the verification failed, and since that day I haven't been able to register.
February 18, 2026
Unprompted review
I transferred money to this platform…
I transferred money to this platform and also completed a test withdrawal / test reversal as requested. Unfortunately, I have still not received my funds back.
Despite providing all required documents and waiting several days, the withdrawal option is still not available and my money remains inaccessible. Customer support confirms that the verification is “in progress,” but no clear timeline has been provided.
This experience has been frustrating, as access to my own funds is delayed without explanation. I hope this issue will be resolved soon, but at this point I cannot recommend the service.
January 4, 2026
Unprompted review
Reply from afranga.com
Dear Önder,
Thank you for sharing your feedback. We sincerely apologize for the frustration caused by the initial delay in your account verification.
To be transparent, at the beginning of the year, our payment provider faced a significant backlog, which led to the initial one-week wait for your bank account proof to be reviewed. We regret that this first document was eventually rejected, further extending your wait time.
However, we are glad to note that once the correct document was uploaded, we were able to prioritize your case—the account was approved within 2 hours and your withdrawal was successfully processed immediately after.
We understand that waiting for your own funds is never ideal, and we appreciate your patience while we navigated these provider delays.
Best regards,
The Afranga Team
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I invested in march 2025 and all…
I invested in march 2025 and all payments are fine so far. There are no more 16% investments but still there are good percentages from time to time, need to watch. Onboarding process is a bit complex but probably because I am from EU and regulations. It's complex in each platform for EU citizens right now
January 6, 2026
Unprompted review
Reply from afranga.com
Thank you for your 5-star review and for investing with Afranga since March 2025.
We’re happy to hear that everything has been running smoothly and that you’re finding attractive opportunities on the platform. We also appreciate your understanding regarding the onboarding process — EU regulations have indeed made this more complex.
Thank you for your trust, and we wish you continued successful investing!
I have been investing on…
I have been investing on Afranga/Stikcredit since 2021 and never met any serious problem. During the time no lends were declared to be in default, which is important. If any - more administrative- problem occured, the support staff reaction was quick, professional and always the problem was solved.
November 13, 2025
Unprompted review
Reply from afranga.com
Thank you, Ivan, for your 5-star review and for being with Afranga since 2021.
We’re very glad to hear that your experience has been smooth over the years and that our support team has been able to assist you quickly and professionally whenever needed. Your long-term trust means a lot to us.
We wish you continued success with your investments and thank you for being part of the Afranga community.
The Afranga Team
Great returns and support, zero fees
I have been using the platform for a few years now and am very please with the returns I get. Recently, they had a campaign with 16% p.a. loans which is rarely found and the fact that the platform is licensed and has an incredible support makes it even better. I am not paying any fees at all.
On the downside, they still do not have an Autoinvest and Secondary market but I don't mind it as I prefer to take care of my investments by myself and am here for the long game and higher returns respectively.
August 17, 2025
Unprompted review
Without support until end of bonus
I found in AFRANGA wrong IBAN and I arrived to loose my Money. Thanks to my bank, I got Money back. many days loosed until end of promotion...After magically problem solved.
No bonus and nothing!!!!
Very bad treatment for me!
Sorry but I'm very disappointed...
After 6 years it's First time a Company joke with me!
August 25, 2025
Unprompted review
Reply from afranga.com
Dear Giovanni,
We regret to hear about your disappointment and would like to clarify the situation clearly for you and other investors reading this.
The IBAN you used for your transfer was not provided by Afranga and has never been connected to our platform. It was an old account of our payment provider, you may have encountered it in the past when transferring funds to another platform. Because of this, the funds could not reach your Afranga account. Fortunately, since the account was closed, your bank was able to recall the transfer and return the money to you.
When depositing to Afranga, it is very important to always use the bank details visible in your investor profile under Profile → Add Money. These are the only valid details for deposits. Transfers to any other IBAN cannot be processed by us.
We understand your frustration that this coincided with the end of the 16% Stikcredit loan campaign. However, all investors — new and existing — had the same terms and access to the loans during the promotion.
We take all investor concerns seriously and always aim to provide a transparent and secure service. While in this case the error was not on Afranga’s side, we appreciate your feedback and will continue working to make our communication and support even clearer and faster.
Kind regards,
The Afranga Team
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No! ……..
The company does not communicate properly, just like Stickredit i Afranka very few loans.
May 14, 2025
Unprompted review
Overall happy
I'm a long-term investor with Afranga and I've stuck with them during their licensing process. I'm happy they finally switched to the licensed business model.
What I like in the new Afranga so far:
- Licensed platform
- 16% interest rate loans
- More diversity coming with new companies promised to be onboarded soon
- Upgraded and fresh design that gives it a more modern feel
- Investor funds are kept in a separate wallet for each investor
What can be improved:
- When you register Afranga creates automatically a Lemonway account for you. This was somewhat a bumpy process. Also I really don't like that money transfers take 1 day.
- No auto invest in the moment. Promised in the next 4-5 weeks - we'll see.
One thing that's not clear yet is cash drag. In the past it was bad, I hope with the changes things will improve significantly.
April 7, 2025
Unprompted review
Just started investing with Afranga…
Just started investing with Afranga (from June 2022). Platform looks good, ROI is decent, but most of the time there are no loans available for investment.
Edit 20.01.2024: Loan supply slowly climbing back to workable quantities ans seem stable.
June 15, 2022
Unprompted review
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