Last Updated: 28.04.2020. Date when the basic information was updated
Loans Originated Total volume of loans issued by this company to borrowers since its founding.
€ 865 M
Loan portfolio Loans issued by the lending company to borrowers at the time of the most recent financial statement that are current or less than 60 days late.
€ 33.9 M
Buyback obligation A credit enhancement given by the lending company or other entity of a lending company group to the investor for a particular investment opportunity. If an underlying loan is more than 60 days late, the lending company is obligated to buy back the investment at nominal value plus accrued interest. Usually, this means investors will be able to recover their investment in case of a borrower default.
With a buyback obligation
Skin in the Game To ensure the interests of a lending company and investors are aligned, the company is required to keep a stake of each investment opportunity it offers through Mintos. This is called the company's skin in the game.
Average Interest % The weighted average interest rate of investment opportunities from this lending company.
Founded: The year the company was founded.
Loan Types: The type of loan the company has issued to borrowers.
Short-Term Loan Pledge type group payday
Countries: Countries in which the loans were issued by the company.
Currencies: Currencies in which investment opportunities from the company are offered.
Outstanding investments: Total volume of outstanding investments from this company on Mintos. Updated daily.
4 149 884
Schedule extension: During the first 30 days after the due date of a loan payment, the borrower can opt for extending the loan payment schedule. The maximum number of extensions depends on the loan agreement and can't be more than 6. If the lending company agrees, the loan will be automatically updated, with the new schedule, and the due dates for all outstanding payments will be extended by up to 31 days. Investors will continue to earn the same interest throughout the remaining loan term.


Consumer finance services provider Creamfinance has focues on relevant, value-added data, otherwise referred to as Smart Data. Utilizing advanced algorithms and machine-learning capabilities to quickly evaluate and score loans, Creamfinance offers a highly customized approach to the personal loan process in a speedy and reliable manner. It aims to become a one-click loan provider to consumers across the globe. Currently, the company is fully operational in five countries (Latvia, Poland, Czech Republic, Mexico and Spain) with an IT office in Austria. Cream Finance Holding LTD provides a group guarantee. This means it will ensure the execution of the buyback obligations.

Last Updated: 28.08.2019

Last Updated: 14.07.2021