8lends Returns Calculator
8lends advertises 18–25% APR, but advertised rates rarely equal realised returns once defaults are factored in. Adjust the inputs below to see optimistic, base-case and conservative outcomes — and how they stack up against a diversified ETF or a plain savings account.
How the Scenarios Are Built
Rather than assume the advertised APR is what you'll actually earn, we deduct a default-rate drag from the stated rate to approximate realistic net returns:
- Optimistic: stated APR minus 0.6–0.8 percentage points (very low default drag).
- Base case: stated APR minus 2.2–2.5 percentage points (moderate default drag, our default assumption).
- Conservative: stated APR minus 5.5–6.0 percentage points (elevated default drag, consistent with a newer, less-tested loan book).
This is a modelling exercise, not a prediction — actual 8lends performance depends on the specific loans you select, collateral recovery rates, and platform solvency in a stress scenario. It exists to counter the common mistake of treating an advertised APR as a certain outcome.
Disclaimer. This calculator is for illustration only and is not a forecast or financial advice. Actual returns can be lower than the conservative scenario shown, including total loss of capital.