Nodocity review

Nodocity targets 12.4%, above the site median, 10%, and above Mintos at 9.2% and Nectaro at 10% to 14%. Afluenta quotes 197.6%. A target is an aim for the whole lending book, not a fixed payout on your own balance.

The minimum investment is $50, the same as the p2p lending median, €50. The category floor is €0 and the maximum is €100,000, so Nodocity sits at the mainstream entry point rather than at either extreme.

No. Nodocity does not buy back defaulted loans, and it is in the majority here, since 81.5% of the p2p lending brands on the site give the same answer. A default is your loss, so keep each share of the book you fund small.

Yes. Nodocity runs a secondary market, so loan positions can change hands before the end of the loan term. Around 55.6% of the brands listed offer the same, which makes it a common feature rather than a differentiator.

Support runs on email, help centre and community. Across the site a help centre is the most common channel at 84.6% and email follows at 73.1%, while live chat at 37% and phone at 56.7% appear less often. Plan for written answers and keep your own record of each funded loan.

Nodocity is based in Colombia and has been operating since 2021, so it is a young platform from a single market rather than a long established one. The site lists 270 brands, of which 194 hold a licence, so the legal entity behind a platform is worth reading before you fund it.

Beginners make up 76.1% of the brands on the site, against 42.3% aimed at experienced users. The $50 entry point keeps an opening commitment modest, and the secondary market means you can sell a position instead of waiting for the loan to end.