I am new on Mintos, i have experience on other platforms. When I choose a LO and loans type i am oriented only on short term loans, higher risks and interest. I see that the max. APR offered now is 10% and only for loans with medium to high risk.
I don't want to ask about rules and theory of risk categories and Probability of Default, just explain HOW Creditstar Finland loans with different tenor, same interest rate ALL be overdue. Invested in 73 loans - all loans overdue 16-30 days already, and i am sure that all will get to 60+ and will be repaid on back buy terms. Even the worst loans with the higher PD rate can be paid on time, at least 0.1%.
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