Crowdfunding has opened up access to alternative investments, previously reserved for a narrower circle of investors, to individuals. Among the players in this market, Afranga allows individuals to invest in different types of projects and companies, aiming for attractive returns in exchange for a higher risk of capital loss.
Afranga offers two main ways to invest. Investors can opt for SaveSmart, a fixed-term automated solution, or they can select their investments themselves from the Afranga Marketplace.
But who is Afranga? What investments are accessible and what returns does Afranga offer? What are Afranga’s 2026 fees? And what are the risks and advantages of the Afranga platform?
Discover our Afranga 2026 review. Our analysis of its offering will help you understand how it works before considering an investment.
Afranga, qu’est‑ce que c’est ? Histoire & chiffres clés 2026
Founded in 2021, the company Afranga is a European crowdfunding platform based in Sofia, Bulgaria. Its principle is fairly simple: allow individuals to finance companies through loans and, in return, receive interest on the invested sums. This investment, however, is not without risk since the invested capital may be lost. Since September 2023, Afranga has held the status of European crowdfunding service provider (ECSP/PSFP), with authorization issued by the Bulgarian Financial Supervisory Commission (FSC Resolution 863/12.09.2023).
As of July 31, 2026, 40.23 million euros had been invested via Afranga. The platform then counted 7,484 investors and had already paid out 2.86 million euros in interest. To offer its various investments, Afranga relies notably on several European lending companies.
Quelques chiffres clés concernant Afranga
Avis Afranga : que vaut l’offre de Afranga ?
To invest with Afranga, two options are available to you. You can:
- choose SaveSmart if you prefer automated management of your investments,
- go through the Marketplace to directly select the opportunities that interest you,
We will now detail these two fairly different approaches.
Marketplace Afranga : choisir soi-même ses investissements
The Marketplace is the most flexible solution offered by Afranga. For more experienced investors, the Marketplace provides access to opportunities offering returns of up to 16% per year. Performance is not guaranteed, with a high risk of capital loss.
Unlike SaveSmart, which we will discuss shortly, there is no automatic allocation: the investor reviews directly the opportunities available on the platform and chooses those in which they wish to invest their money.
These include, notably, loans to businesses, consumer loans or asset-backed financings, offered by various credit institutions partnered with Afranga.
For each opportunity, several pieces of information are available to help make a choice:
- Interest rate
- Loan term
- Available amount
- Loan schedule
- Borrower company
Thus it is possible to spread money across several investments rather than placing it all in a single loan.
This freedom, however, requires more involvement: it is up to the investor to select their placements and assess the level of risk they are willing to accept.
SaveSmart Afranga : investir de manière automatisée
With SaveSmart, Afranga offers a solution intended for those who do not want to select the loans themselves to invest in. The investor chooses the amount they wish to place and Afranga then handles the allocation of funds.
The aim is to simplify investing by letting Afranga manage the fund allocation, without needing to select each loan themselves. It is possible to invest from 10 € per month.
Afranga also provides a simulator allowing projection over 5, 10, 15 or 20 years. We tested it with 150 € deposited each month for 10 years and an assumed annual return of 10%. The simulator estimates that the savings would reach 3,967 € after two years, then 30,727 € after 10 years. Over this period, the investor would have paid in 18,000 €, to which 12,727 € in potential gains would be added.
Simulation SaveSmart de Afranga
However, it is important to understand that this is a projection and not a guaranteed return. SaveSmart remains an investment in private loans, with a high risk of capital loss. The invested sums do not, in particular, benefit from deposit guarantees. The actual results obtained may therefore differ from those shown by the simulator.
With SaveSmart, the investor can choose between several investment durations with an interest rate known in advance. Three maturities are offered: 3 months at 8% per year, 6 months at 9% or 12 months at 10%. Interest is paid monthly and the capital is repaid at maturity. Again, this is not a capital-guaranteed investment: the investment remains exposed to a high risk of capital loss.
We ran a simulation with €10,000 invested for 12 months at 10%. Afranga estimates the interest at €1,000, for a total of €11,000 at maturity. In addition, there is currently a SaveSmart cashback offer of 2%, i.e., €200 extra in our example. Note that this cashback is a temporary promotional offer valid until September 30, 2026 and should therefore not be included in the normal return of the placement.
Simulation avec les taux fixes de SaveSmart
Be careful not to confuse a fixed rate with a guaranteed return. With SaveSmart, the interest rate is fixed and known from the outset: the investor thus knows which rate will apply for the entire duration of the placement. However, the capital remains at risk and the actual payment of interest is not guaranteed. In the event of default or repayment difficulties, the investor may not receive all the anticipated interest and may also lose all or part of the invested capital.
Quels sont les tarifs de Afranga en 2026 ?
For investors, Afranga charges no platform fees: registration, account maintenance, and standard deposits and withdrawals are free.
Afranga acts as an intermediary between investors and the companies seeking financing. Its business model is therefore based on services charged to borrowers rather than commissions taken on individual investments.
Note, however, an exception: with SaveSmart, an early withdrawal is charged 1% of the withdrawn amount.
Avis Afranga : quels sont les avantages et inconvénients de Afranga ?
Overall, Afranga’s offering seems fairly comprehensive to us, notably thanks to the different ways to invest offered and the potentially attractive returns. As with this type of investment, there are nonetheless drawbacks and, above all, risks that must be taken into account before investing.
Quels sont les avantages d’Afranga ?
- Interest rates can reach up to 10% per year with SaveSmart and up to 16% per year on the Marketplace
- Ability to start investing with small amounts
- No platform fees for the investor
- Ability to choose investments yourself via the Marketplace
- An automated solution with SaveSmart for investors who want to spend little time on their investments
- European platform with PSFP status
Quels sont les inconvénients d’Afranga ?
- Expected interest is not guaranteed, even when the rate is fixed in advance
- Investment that carries a high risk of capital loss
- Limited liquidity and variability depending on the type of investment chosen
- 1% fee for early withdrawal with SaveSmart
- Need to carefully study borrowers and projects when investing directly via the Marketplace
Note: funds invested via Afranga are not covered by a deposit guarantee scheme. The invested capital is at risk and may be lost in full or in part.
Avis des clients Afranga
On Trustpilot, Afranga scores 3.2/5 based on 37 reviews. This score, fairly average at first glance, should be viewed in perspective given the relatively small number of reviews published to date.
In detail, positive Afranga customer comments are rather encouraging. Several investors particularly appreciate the platform’s ease of use, its intuitive interface, the returns offered, and the absence of fees to invest. Some Afranga customers also report satisfaction with the results obtained and their overall experience with Afranga.
On the negative-side, a significant portion of recent criticisms concerns more the referral program than the investments themselves, notably bonuses that allegedly were not paid. Other users report difficulties with bank account validation, withdrawals, or delays in Afranga’s customer service.
The 3.2/5 rating should therefore be interpreted in context: the criticisms do not solely relate to the quality of Afranga’s investment offering. Indeed, several platform users express high satisfaction with their experience.
Avis Afranga : à qui s’adresse l’offre de Afranga ?
Afranga’s offering is primarily aimed at investors who want to diversify their placements outside traditional financial markets and who accept, in exchange for potentially high returns, taking on a higher risk of capital loss.
The platform can suit both beginners, thanks to SaveSmart and an investment accessible from 10 €, as well as more autonomous investors who want to select their opportunities themselves on the Marketplace.
SaveSmart will also appeal to those seeking a fixed rate and a known duration in advance. Afranga should, however, remain a diversification investment, because the trade-off for a potentially high return is a high risk of loss.
Notre avis sur Afranga
Our view on Afranga is overall positive.
The platform provides easy access to investments offering potential returns higher than many traditional savings products, with several ways to invest according to your profile. We also appreciate the absence of fees for the investor and the fact that Afranga is a regulated player with PSFP status. Despite its relatively young age, Afranga has already attracted several thousand investors and tens of millions of euros of capital.
However, one should never lose sight of the level of risk. While rates shown can be fixed and known in advance, the capital and the actual payout of interest are not guaranteed.
For us, Afranga can thus find a place in a diversification strategy, provided you allocate a reasonable portion of your wealth to it.
Comment ouvrir un compte Afranga ?
Opening an Afranga account is fully online and takes only a few steps. As Afranga is a regulated platform, registration includes an identity verification process before you can deposit money and start investing.
You will need to :
- create your Afranga account by providing your email address and the requested information;
- verify your identity by following the KYC procedure and submitting the necessary documents;
- validate your bank account to enable deposits and future withdrawals;
- fund your Afranga account by bank transfer;
- choose your investment solution between the Marketplace and SaveSmart;
- select the amount you wish to invest, then validate your first investment;
- monitor your placements and the interest earned directly from your Afranga personal space.
Once your account is funded, you will be able to make your first investment on Afranga and start tracking its evolution directly from your personal space.
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