Investing in P2P loans | Joachim De Zutter
Mintos is a peer-2-peer lending marketplace where investors can invest in loans offered by various loan originators.
One of these loan originators is Mogo which offers secured car loans with a buyback guarantee.

In July 2018, Mogo published the following message:

"Following the successful issuance of a EUR 50 million bond, [...] Mogo will refinance its existing funding facilities. Among others, this will include loans funded by investors on Mintos. Starting from July 13, 2018, Mogo will partially repurchase loans from investors on Mintos using their call option as stipulated in the assignment agreement. [...] On Mintos, the performance and quality of loans, along with the financial stability and size of the loan originator, are some of the aspects that determine the interest rate at which loans are offered to investors on the marketplace. Following the issuance of the bond, the Mogo group has further diversified their funding sources and brought down the weighted average cost of financing, thus strengthening its financial position. As a result, Mogo will reduce the interest rate at which it sells loans to investors on the marketplace. The net annual return rate for Mogo loans will be up to 11%. This reflects the lower risk profile of Mogo as a loan originator and loan servicer, whilst still providing ample opportunities for investors to earn great risk-adjusted returns. [...] In addition to placing new loans on Mintos, Mogo plans to repurchase a volume of the loans originated in the countries mentioned above, and currently outstanding on the marketplace, and replace them at lower rates." - https://blog.mintos.com/mogo-will-repurchase-part-of-its-loans-on-mintos-following-the-bond-issuance/

ViaInvest offers loans with buyback guarantee and depending on the loan origin country, it deducts a withholding tax from interest payments.