Lonvest Loyalty Program
- Written by
- Just P2P
- •
- Updated July 20, 2026
Program Overview
The Lonvest loyalty program rewards investors based on the size of their active investment portfolio. It is designed to provide an additional return on top of the base interest rate displayed. The boosted rate increases as the portfolio grows.
To qualify for the program, investors must meet two conditions : they must have been registered on Lonvest for more than 90 days and hold an active portfolio of at least 10,000 €. The bonus then applies automatically : the status is reviewed every 24 hours based on the eligible portfolio, with no action required.
The Tiers: Sapphire, Emerald, Diamond
The program includes four tiers, named after precious stones. The first one, Explorer, corresponds to the standard rate with no bonus. The next three, Sapphire, Emerald and Diamond, provide an increasing additional return, determined by the amount invested on the platform.
- Explorer : no bonus (< 10,000 €)
- Sapphire : +0.5% from 10,000 €
- Emerald : +0.75% from 25,000 €
- Diamond : +1% from 50,000 €
How the Bonus Works
The loyalty status and the boosted rate are reviewed every 24 hours, based on the total amount invested on the platform. The bonus is applied automatically. It does not appear as a separate line item : it increases the annual interest rate by being combined with the base rate.
One point is worth highlighting : the bonus applies to all active investments, not only to new ones. Reaching a higher tier therefore improves the return on every position held on Lonvest, not just on investments made after moving up.
Interest, including the loyalty bonus, is only paid at the end of the investment term. During the investment period, the amount accrued is displayed under “Interest Accrued”, then moves to “Interest Paid” once payment is made. The bonus therefore follows the same payment schedule as the base interest.
Rules to Know
Each amount invested must be held for at least 30 days to be included in the total that determines the tier. An investment held for a shorter period does not yet count towards this total, and therefore does not contribute to reaching or maintaining a status.
A status is not permanently acquired. If withdrawals bring the portfolio below a threshold, the bonus is adjusted downwards, and is suspended below 10,000 €. This downgrade is not immediate : it can take place within five days after the threshold is no longer met.
Leaving the program means losing any loyalty bonus not yet credited. Interest already paid remains acquired, but interest accrued and not yet paid at the time of exit is forfeited. Benefiting fully from the bonus therefore requires staying in the program until payment is made.
Lonvest offers a mid-range loyalty program compared to the rest of the market, with bonuses very similar to those of many other platforms. Its entry threshold is lower than the threshold of Robocash, Swaper and Esketit, but higher than the threshold of Hive5. For larger amounts, from 25,000 €, Swaper leads the way, as is often the case.
Lonvest Loyalty Program : Is It Worth It ?
The Lonvest loyalty program is just as accessible and generous as the programs of most other P2P lending platforms. However, it has one advantage that many others, such as Debitum, do not have : the bonus applies automatically to all investments, not only to new ones.
Although the Lonvest loyalty program faces competition at every tier, from Hive5 below 20,000 € and from Swaper above 25,000 €, the platform remains a relevant choice given the returns offered and the absence of cash drag. Lonvest is therefore of interest to investors looking to invest their capital over the long term.
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About the Author
Silvère is an economist and IT engineer with numerous years of experience in business management, FinTech investment and digital marketing. He invests mainly in crowdlending especially P2P lending, P2B lending, and real estate crowdfunding.
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