- Why invest
- How to invest
- Investment products
- Investment parameters
- Investment opportunities
- Investment security
You can also feel good about your money. By investing in loans on Žltý melón, you lend directly to people and gain access to returns that were previously available only to banks and large financial institutions.
Why Žltý melón
You gain higher and stable returns,
which were previously available
only to banks and large financial institutions
Monthly returns
You receive returns every month and have unlimited access to your free funds
Safe investment
You can choose multi-secured investments as well as those that carry some risk but offer higher returns
All interest earnings go to you
You receive the full interest income from loans; we charge only low fees from collected installments
Peer-to-peer loans
You not only earn more than elsewhere, but your money helps real people
Investing is simple
You can choose one of the investment portfolios or select loans and criteria manually
Secondary market
If you need your money earlier, you can sell your investments to other investors or request a buyback
How to invest with Žltý melón
Investing with Žltý melón is really quick and easy
After logging in, you can get familiar with the system and decide how much you want to invest. You can start investing from €25.
Registration is free, non-binding, and you can terminate the contract at any time.
Our investment portfolios are designed to meet the needs of a wide range of clients. You can choose multi-secured investments as well as those with higher potential returns.
Decide whether you want to use our automated portfolios or manually choose investment opportunities. You can also combine both approaches.
If you choose the automatic portfolios, simply fund your account and the system will automatically make investment offers based on your selected criteria. You will be informed through your online account or by email.
If you prefer manual investing, find a loan auction that matches your criteria. Review information about the applicant, their financial background, scoring results, and purpose of the loan. Ask questions if needed. Choose the amount and interest rate and submit your offer.
You don’t need to actively manage your investments; we do it for you. In your account, you can track performance and watch monthly repayments and interest arrive. You can transfer earned money to your bank account or reinvest it.
If you need to end your investment earlier, you can sell it on the Secondary Market or request a buyback via the liquidity program.
You remain
anonymous on our platform
Taxes and fees
Current returns
Secured portfolio
Current return
7.6%
p.a.
Conservative portfolio
Current return
8.39%
p.a.
Balanced portfolio
Current return
9.53%
p.a.
Dynamic portfolio
Current return
8.39%
p.a.
The data on current returns and the effective interest rate are based on the current portfolio of Žltý melón loans meeting the selected criteria over the past two years. These returns are not a guarantee of future performance. The exact future portfolio distribution may vary depending on criteria, loan availability, and combinations.
With peer-to-peer loans, your investment is spread across many loans, ensuring strong diversification and low risk.
You can find current investment opportunities Investment products
We offer investments into individual loans as well as fully automated investing
Standard loans
Direct investments into new high-quality loans according to your selection.
Loans with extra guarantee
Invest with above-standard returns, extra guarantees, and monthly interest income. We bring you a unique opportunity to invest safely and profitably into loans used for home financing. These investments are secured by developer guarantees or a lien on the financed property.
Investment saving (autoinvest)
Select your investment strategy, adjust criteria, or choose a recommended approach based on your risk appetite. Our optimization system ensures your returns are as high as possible. You don’t need to participate in every auction — simply monitor your portfolio returns.
Secondary market
On the Secondary Market, you can buy already existing loans issued through Žltý melón. You can see their repayment history and current and future expected returns. You can discuss terms with the current investor and agree on a fair price. If you want to exit your investments early, you can sell them anytime.
Types and parameters of investments
Various loan types to ensure high diversification and optimal appreciation of your investments.
On Žltý melón you can invest in various types of loans that differ in purpose, form of security, expected returns and level of risk.
Unsecured personal loans
- Product descriptionA standard unsecured personal loan up to €15,000. The applicant is liable with all their assets. For riskier clients, a wage garnishment agreement may be used as a security measure.
- Maximum loan amount€15,000
- Repayment period3 – 84 months
- Current interest rateindividual, based on credit rating and investor offers
- Repayment frequencymonthly
- Additional securityno additional security
- Loan purposeno proof of purpose required
- Payment protection insurancevoluntary insurance improves the interest rate
- More information
CashFree Hypo
- Product descriptionLoan for supplementing a bank mortgage. Requires approval of the mortgage loan by a bank. Secured by a lien on the property, ranked behind the bank in case of sale.
- Maximum loan amount€50,000
- Repayment period36 months with refinancing (annuity calculated for 20 years)
- Current interest ratefixed 8.9% p.a.
- Repayment frequencymonthly
- Additional securityproperty lien
- Loan purposepurpose must be documented
- Payment protection insurancemandatory insurance
- More informationCashFree Hypo
CashFree Housing
- Product descriptionA loan provided in cooperation with reputable developers to cover the first part of the property's purchase price. The developer guarantees repayment in case the borrower runs into repayment issues.
- Maximum loan amount€75,000
- Repayment period3 – 60 months
- Current interest ratefixed 7.0% p.a.
- Repayment frequencymonthly
- Additional securitydeveloper buyback guarantee
- Loan purposepurpose must be documented
- Payment protection insurancevoluntary insurance
- More informationCashFree Housing
CashFree Real Estate
- Product descriptionA real estate loan for home financing, functioning as an alternative to a bank mortgage or as a bridging loan. Secured by a first-rank lien on the property.
- Maximum loan amount60% of property value
- Repayment period12 – 36 months with refinancing (annuity calculated for 30 years)
- Current interest ratefixed from 7.9% p.a.
- Repayment frequencymonthly
- Additional securityfirst-rank property lien
- Loan purposepurpose must be documented
- Payment protection insurancemandatory loan and property insurance
- More informationCashFree Real Estate
Partner Loans
- Product descriptionA product created in cooperation with reputable loan providers. Anyone can easily invest in their loans, achieve above-standard returns, and enjoy a guarantee on invested funds.
- Maximum loan amount€150
- Repayment period3 – 12 months
- Current interest ratefixed 7.9% p.a.
- Repayment frequencymonthly
- Additional securityprovider buyback guarantee
- Loan purposeno additional security
- Payment protection insuranceno
- More informationPartner loans
Regular feedback
More than 76% of users recommend Žltý melón
Current number of reviews:
Fees
The only ongoing fee you pay for our services is the investment management fee.
The fee is 1% of the monthly repayments collected from borrowers. For CashFree loans, the fee is only 0.33%.
If a borrower fails to pay a repayment on time, you are entitled to compensation. Žltý melón charges a late fee of €5–50 depending on the repayment amount, for each month of delay. The fee is charged on the 7th day of delay, and 65% of it is sent to you. The remainder covers collection costs.
The management fee is charged only on repayments that are actually paid. If the borrower does not pay, no fee is charged.
We care about the return on your investment!
Want to learn more about lending on Žltý melón? Read the answers to frequently asked questions here:
