Afranga October 2026: €374,115 in Interest Paid Out and SaveSmart Grows to €5.6 Million

Afranga has published its transparency report for October 2026, presenting solid figures. The platform reports interest payments of €374,115 and capital repayments of €1.48 million. Particularly noteworthy is the growth of the SaveSmart savings product, which has expanded from €275,000 to €5.6 million within a few months. Simultaneously, Afranga announces new bonus campaigns for November, which are likely to attract investors‘ attention.

October Figures: Stable Interest Payments and Capital Repayments

October 2026 proved to be a solid month for Afranga investors. The platform reports interest payments of €374,115 disbursed to investors. This corresponds to an average daily interest outflow of approximately €12,068 over the entire month. In parallel, €1.48 million in capital was repaid to investors. In total, approximately €1.85 million flowed back to investors in October 2026, consisting of interest and capital repayments. Since the platform’s inception, a total of €44.9 million has been invested.

Compared to the previous month, September 2026, for which Afranga reported interest payments of €386,345 and capital repayments of €1.5 million, the figures for October are slightly lower. Interest payments decreased by approximately 3.17%, while capital repayments declined by about 1.33%. However, these are moderate fluctuations that can occur within the scope of normal business operations.

SaveSmart: Explosive Growth and Critical Review

A prominent feature of the October report is the development of the SaveSmart savings product. Since its introduction in February 2026 with €275,000 in managed capital, SaveSmart has become a significant product for Afranga. In October 2026, it reached a managed volume of €5.6 million. This represents a twentyfold increase in capital within eight months.

This rapid growth raises questions. While the simplicity and monthly interest payments of SaveSmart are attractive to many investors, such a growth rate should always be critically examined. The platform states that investors can choose between 3, 6, or 12 months and earn an average of 8% to 10% interest per year. The connection to Stikcredit, a loan originator originally founded by Afranga, and the statement „100% loans up to date“ are significant here. The buyback guarantee, which applies to many loans on the platform, is intended to reduce investor risk. However, it is critical to consider how quickly new loans can be acquired and diversified to support such rapid growth of SaveSmart without increasing risks. The connection to Stikcredit, as also discussed in our Afranga experience report, means that investors indirectly finance the company’s lending business.

November Bonus Campaigns: „Level Up“ and World Savings Day

For November, Afranga has announced two special campaigns. Firstly, the „Level Up“ bonus program, which rewards new investments in SaveSmart with a 12-month term made by November 30th with a bonus of up to €125. This bonus will be paid out in December.

You can find more background on the platform in our Afranga experiences.

Secondly, Afranga celebrated World Savings Day on October 31st with a giveaway. For every €1,000 invested in SaveSmart with a 12-month term in October, investors received one ticket for a raffle. Winners received prizes of €3,000, €2,000, and €1,000. Such campaigns can create short-term incentives for investments but should not be the sole decision criterion for investors. The long-term attractiveness of the platform and the stability of the products are more crucial.

ECSP Licensing and Transparency

Afranga is licensed as a European Crowdfunding Service Provider (ECSP) by the Bulgarian Financial Supervision Commission. The licensing was granted according to Resolution 863/12.09.2023. This licensing is an important step towards increasing transparency and security for investors, as it confirms the platform’s compliance with certain regulatory requirements. However, it is important to emphasize that an ECSP license does not guarantee the security of investments, and capital risk remains. The platform explicitly states that its offerings are not covered by deposit insurance or investor compensation.

The regular transparency reports, such as the recently published one for October 2026, are a positive signal. The statement „100% loans up to date“ in the report is a strong assertion that must be considered in the context of the buyback guarantee and the connection to the loan originators. Investors interested in Afranga should also check out our detailed experience report on P2PHero.de, which provides deeper insights into the platform and personal experiences.