How to Invest with Loanch: A Step-by-Step Guide for New and Experienced Investors

 

 

So, you're looking to get into P2P lending or maybe just find a new platform to add to your alternative investments mix? You've probably stumbled across Loanch.com – it's been getting some buzz for its straightforward setup and access to interesting international loan investments that could be a real kicker for your passive income goals.

This guide? It's for everyone. Whether you're a complete beginner trying to figure out how to invest in Loanch without any rookie mistakes, or you've already got some P2P experience and just want to make sure you're getting the most out of what Loanch offers, you're in the right place.

 

Why consider P2P lending with Loanch?

Okay, so why should you even consider putting your money into P2P lending, and specifically, why give Loanch.com a look? Let's break down the appeal.

The appeal of p2p lending – why bother in the first place?

Let's get down to it. The main reason so many people are drawn to P2P lending is pretty simple. First, there's the potential to earn significantly higher returns than you'd get from a sad, dusty old savings account. 

Second, it's a solid way to start building a real passive income stream from the regular interest payments. And third, it adds some much-needed investment diversification to your portfolio, as it's not directly tied to the daily whims of the stock market.

What makes Loanch an attractive option?

So, if P2P is the game, why play on Loanch's field? We've put together a pretty compelling package for investors, especially when you look at the details:

• Unique markets – Loanch gives you access to loan investments in different economies, particularly focusing on high-growth regions in Southeast Asia like Indonesia and Malaysia. This is great for geographic diversification.
• Attractive potential yields – The potential returns are what really grab your attention. With yields often reaching around 13% (but up to 16%) annually, it's a key reason people decide to invest in Loanch.
• Super investor-friendly terms – This part is huge – Loanch charges investors €0 in fees. That means no deposit fees, no service fees, and no withdrawal fees. Plus, with a minimum investment of just €10, literally anyone can get started.
• Key protective features – Many of the loans listed on the platform come with a buyback guarantee, which is designed to give you an extra layer of security (we'll dig into how that works later).

Loanch as a gateway to alternative investments – stepping beyond stocks

If you're tired of your investment world being just stocks and bonds, investing with Loanch is a really straightforward way to add alternative investments to your portfolio. You're essentially investing in private credit, an asset class that often behaves differently from the public markets. This can help smooth out your overall portfolio's performance and open you up to new opportunities for generating passive income.

 

Getting started: Your Loanch account setup 

Alright, you're sold on the concept and ready to get started with investing. Let's walk through the actual step-by-step process of getting your Loanch account up and running. It's pretty straightforward, but it's good to know what to expect.

 

Step 1: Sign up

First things first, head over to our main page or register here. It's always best practice to type the address in directly or use a trusted bookmark rather than clicking on unsolicited links. Once you're on the homepage, look for the Sign up button.

 

Step 2: Provide details

Next, you'll land on the main registration page. This is the standard stuff, so no real surprises here. You'll be asked to provide your email and phone number to create your investor profile.

Then choose a password and provide a referral code if you have one:

After this step, you’ll be prompted to visit your email an verify your email address. Click the link in your inbox and you’re in!

 

Step 3: KYC verification

After the initial form, you'll need to go through a process called KYC, or "Know Your Customer." with the help of Veriff. It might seem like a bit of a hassle, but this is a mandatory regulatory requirement for all legitimate financial platforms in Europe to prevent fraud and money laundering. 

Honestly, a platform that doesn't do this is a major red flag. To verify your identity, you'll be asked to submit:

• A clear photo or scan of a valid government-issued photo ID (like your passport or national ID card).

This step takes only a couple of minutes or even seconds. After it’s done, you’re in and ready to top up and start investing.

 

Funding your Loanch wallet

We keep the process straightforward. To get money into your account, you'll be making a standard bank transfer. On your dashboard, you'll find a Top up section that gives you specific bank details (an IBAN, beneficiary name, etc.). You simply use these details to send a SEPA bank transfer from your own personal bank account – a very common and secure method.

Accepted currencies – stick to euros!

This part is critically important, so pay close attention. Loanch only accepts deposits in EUR. Do not send funds in PLN or any other currency. If you send a non-EUR currency, the transaction will fail and getting your money reverted will take several days. 

Be extra careful, as some banking apps might try to automatically convert your transfer to PLN when sending to a Polish bank account – ensure you override this and confirm the transfer is being sent only in EUR.

Deposit speed & key instructions

Once you’ve sent your transfer, here’s what to expect:

• Timing – It can take up to 2 working days for the funds to be processed and appear in your Loanch investor account. You'll get an email notification as soon as the money lands and you're ready to go.
• Crucial details – You absolutely must include your unique investor ID (which we provide in the payment details) as the reference or description for your bank transfer. If you forget this, we won't know the money is yours, and it will be sent back. Also, ensure the transfer comes from a bank account held in your own name.
• Costs – The good news? We don't charge any fees for deposits. Just quickly double-check if your own bank charges anything for sending a standard SEPA transfer (most don't within the EU, but it's always smart to be sure).
  

Loanch investment guide: Manual vs. automated approach

When it comes to P2P lending through Loanch, you’ve got two distinct paths – go manual if you like to stay in the driver’s seat, or go automated if you want the engine to do the heavy lifting. Here’s what you need to know to choose your strategy.

Understanding Loanch's investment interface

Loanch’s dashboard is clean and intuitive. On the left sidebar, you’ll find all the key sections:

• Invest manually – This is your gateway to hand-picking individual loans. It displays a long list of loan opportunities with filter options for country, loan type, term, and interest rate. You can view each loan's originator, the date it was issued, the remaining term, annual interest rate, and how much capital is still available.
• Auto-invest – This is where you set up passive strategies. You can either create your own filters or pick one of the platform’s ready-made strategies like “Go Long” or “Go Short.” Everything happens here – toggling strategies on or off, setting limits, and viewing what’s invested.

Manual investing on Loanch – For the hands-on investor

Pros

• Full control – You choose which loans to back, down to every detail.
• In-depth analysis – Scrutinize the loan originator, country, interest rate, term, and available amount.
• Better alignment with personal ethics or investment beliefs.

Cons

• Time-intensive – Scrolling through thousands of listings to build a portfolio takes effort.
• Emotional bias – Manual decisions can be influenced by gut feeling, not data.
• Harder to diversify – Manually investing in hundreds of loans for risk mitigation is a grind.

How-to

Start by heading to the “Invest manually” tab. Use filters to narrow your focus – for example, short-term loans with a 13.60%+ rate from a specific country. You’ll see key data:

• Loan originator (e.g., Tambadana, Ammana SH Tech)
• Country of issuance
• Interest rate
• Loan term (in days)
• Buyback guarantee (noted in all listings shown)

Click into a loan to claim your portion, and you’re in.

Automated investing

Pros

• Saves time – Set your strategy once and let it run.
• Diversification – Your money spreads across hundreds of loans effortlessly.
• Consistency – Keeps emotion out of the equation.
• Great for passive income – Especially if you want to earn without checking in daily.

Cons

• Less precision – You won’t pick individual loans.
• Relies on good filters – Garbage in, garbage out.
• Needs trust – You’re depending on our loan vetting and algorithmic matching.

Intro to Loanch’s tool

Loanch makes automation simple with its Go Long and Go Short strategies. These are pre-configured with risk and return trade-offs, offering annual returns from 13.60% to 16.00%. You can also create your own strategy with tailored filters. In the next section, we’ll break down exactly how to set up and optimize Loanch’s auto-invest feature.

 

Mastering auto-investing on Loanch

Loanch’s Auto-Invest tool is designed to turn passive investing into an efficient, hands-free process. Whether you’re risk-averse or growth-oriented, knowing how to configure your settings is key to building a strategy that works for you.

Accessing and creating your Loanch auto-invest portfolio(s)

Start by selecting “Auto-invest” in the left-hand dashboard. Here, you’ll see any strategies you’ve already created, including pre-built ones like Go Long or Go Short, each with a toggle to enable or disable. To create a new one from scratch, hit the “Create new strategy” button in the upper right corner. From here, you can define how your capital will be deployed across available loans on the platform.

Key Auto-Invest filters

We provide a straightforward yet powerful set of filters to control how your funds are allocated:

• Target interest rate – Set a minimum interest threshold to exclude low-yield loans. For example, Go Short starts at 13.60%, while Go Long starts at 16.00%.
• Loan duration – Choose the max length you’re comfortable with. Short-term loans cap at 32 days, long-term up to 182 days.
• Country – Select or exclude countries based on your market preferences. You’ll typically see options like Malaysia or Indonesia.
• Loan originator – Filter investments based on the lending partner. If you prefer only certain originators (e.g., Tambadana or Ammana SH Tech), you can tailor accordingly.
• Buyback guarantee – All loans currently come with this feature, but always double-check if a future toggle allows you to exclude unsecured loans.
• Maximum investment per loan – Critical for risk control. Set limits (e.g., €10 to €50) to ensure broad diversification.
• Total portfolio size – Define how much capital this strategy is allowed to deploy (e.g., €10,000).
• Reinvestment options – Loanch auto-reinvests earned interest and principal by default, compounding your returns automatically.

Example auto-invest strategies

 

 

Each strategy leans into different goals – from preserving capital with frequent repayments to maximizing long-term yield.

Monitoring, managing & withdrawing your investments

Loanch gives you full visibility into their portfolio’s health. On your dashboard, you can view your total invested amount, interest earned, active investments, and upcoming payments. The “My investments” tab offers real-time insights into each loan’s repayment status, while the “Account statement” section provides downloadable reports for tracking performance over time. The layout is clean, data is well-labeled, and you won’t need to dig to find what matters.

Managing and tweaking your auto-invest strategy

Auto-invest isn’t a one-and-done decision. If your financial goals change, you want to respond to market fluctuations, or Loanch introduces new loan originators, it’s smart to revisit your settings. Maybe you want to lower your risk by shrinking your max loan size, or shift into higher-yield territory. You can toggle strategies on/off anytime and edit filters instantly in the Auto-invest section.

The withdrawal process from Loanch

To withdraw funds, go to the “Withdrawals” tab in the dashboard. You’ll see your available balance and a field to enter the withdrawal amount. 

 

Make sure your bank account details are saved under your name – withdrawals to third-party accounts aren’t allowed. Here’s the step-by-step:

1. Enter the amount you want to withdraw
   
   
2. Confirm your name as the account holder
   
   
3. Input your bank name, IBAN, bank address, and your personal address
   
   
4. Click “Transfer funds”
   
   

Loanch processes withdrawal requests by the end of the next working day, and you’ll receive a confirmation email when funds are remitted. There are no platform withdrawal fees, and no minimum amount is enforced by Loanch (though your bank might have their own rules).

 

Loanch as part of your alternative investments portfolio

Loanch offers exposure to high-yield consumer loans in Southeast Asia – a niche far removed from traditional stocks, bonds, or even Western-focused alternatives. For investors looking to diversify, P2P lending on Loanch adds a distinct layer: short-term, fixed-income assets with buyback guarantees and strong returns.

 

It’s especially valuable in a broader alternative investments portfolio, complementing real estate, crypto, or private equity with geographic and loan-type differentiation. Whether you're just stepping into alternatives or already deep in the game, Loanch helps reduce overexposure to correlated assets and introduces a fresh risk-return profile.

 

Tips for experienced investors looking to invest in Loanch

Experienced investors should take full advantage of Loanch’s ability to run multiple auto-invest strategies simultaneously. Build distinct portfolios that target specific risk profiles – for example, one conservative (short duration, tighter filters) and another aggressive (higher yields, broader originator range). Segmenting portfolios by loan originator or country adds an extra layer of control and diversification.

Deep dive on loan originator due diligence

Loanch provides key data on its Southeast Asian loan originators. Use it. Experienced investors should dig into any available financial reports, default rates, origination volumes, and underwriting practices. Assess whether each LO aligns with your return expectations and risk appetite – it’s your best defense against avoidable surprises.

Strategic cash management & reinvestment

Seasoned users know that idle cash is dead weight. Monitor repayments and interest flows, especially if you're not using full auto-reinvestment. Top up your account ahead of strategy expansions or set a calendar to adjust filters in line with changing liquidity needs or market conditions.

Understanding market-specific nuances

Loan performance is influenced by local economics. Stay updated on regulatory shifts, inflation data, and lending trends in Malaysia and Indonesia. These regional insights can guide everything from portfolio allocation to timing exits or entering new strategies.

 

Your financial freedom starts with Loanch

Loanch gives investors simple access to high-yield P2P lending in Southeast Asia. With strong loan originators, buyback guarantees, and flexible tools like Auto-Invest, it’s a powerful addition to any diversified portfolio. 

Success depends on understanding how claim rights work, staying sharp with your strategy, and managing risk. Ready to start? Sign up for Loanch, apply what you’ve learned, and let your alternative investments do the heavy lifting.