[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/moneydoneright.com\/passive-income\/other-ideas\/worthy-bonds-review\/#Article","mainEntityOfPage":"https:\/\/moneydoneright.com\/passive-income\/other-ideas\/worthy-bonds-review\/","headline":"Worthy Bonds Review 2025: Can You Count on a 5% Return Through This Microinvesting App?","name":"Worthy Bonds Review 2025: Can You Count on a 5% Return Through This Microinvesting App?","description":"Worthy Basics: Worthy is an investment platform to buy bonds that support small businesses...","datePublished":"2020-01-29","dateModified":"2025-03-07","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/stephanie-colestock\/#Person","name":"Stephanie Colestock","url":"https:\/\/moneydoneright.com\/author\/stephanie-colestock\/","identifier":32,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/442d6c6189f0b39f0b5a2095037d8c576284f3705ffef7d6098f21fa4289967e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/442d6c6189f0b39f0b5a2095037d8c576284f3705ffef7d6098f21fa4289967e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/worthy-bonds-review-featured.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/worthy-bonds-review-featured.jpg","height":460,"width":1900},"url":"https:\/\/moneydoneright.com\/passive-income\/other-ideas\/worthy-bonds-review\/","commentCount":"8","comment":[{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/passive-income\/other-ideas\/worthy-bonds-review\/#Comment1","dateCreated":"2026-03-12 15:44:07","description":"All reviews of Worthy should be updated, including Nerdwallet and TrustPilot.  Worthy has two Bond Offerings that are insolvent that I know of.  Yet they continue to offer new offerings. Worthy Peer Capital is a total loss for those invested, and Worthy Community is not paying any redemptions and their SEC filings are not hopeful of any redemption.  Yet they mark Worth Community as \"Sold Out' on their web page as they continue to solicit investors in yet other Bond offerings.  They should mark it \"INSOLVENT\" to warn new investors.  I have lost over $50K with no recovery in sight.","author":{"@type":"Person","name":"Minda Thon","url":""}},{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/passive-income\/other-ideas\/worthy-bonds-review\/#Comment2","dateCreated":"2025-03-18 16:09:09","description":"Agree - this is a Ponzi Scheme - they give limited updates - maybe once a year and the bonds will ultimately be written off as a loss - but they do not want that publicity as it will kill all new bond sales - just awful.","author":{"@type":"Person","name":"Brian McNiff","url":""}},{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/passive-income\/other-ideas\/worthy-bonds-review\/#Comment3","dateCreated":"2024-01-02 13:05:50","description":"It might be good to do an update on Worthy and let people know that Worthy stopped honoring withdrawal requests last year on some of their bond offerings.  It really is a high risk solution that has left many investors unable to get their funds back out.      It's also interesting that worthy started \"donating\" $10K a month to \"Worthy Causes\" yet they have investors that can't get a penny out of them.  I guess their investors are not \"Worthy\"","author":{"@type":"Person","name":"Verlyn Hawks","url":""}},{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/passive-income\/other-ideas\/worthy-bonds-review\/#Comment4","dateCreated":"2022-01-21 07:56:26","description":"Lending Club no longer offers Peer to Peer Lending. Their platform closed in 2020","author":{"@type":"Person","name":"Michael Perlich","url":""}},{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/passive-income\/other-ideas\/worthy-bonds-review\/#Comment5","dateCreated":"2022-01-11 09:16:58","description":"You forgot to mention that Worthy has been out of bonds to sell for almost 2 years.","author":{"@type":"Person","name":"Sean","url":""}},{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/passive-income\/other-ideas\/worthy-bonds-review\/#Comment6","dateCreated":"2021-10-07 21:40:01","description":"You updated this in September 2021 but Worthy has been sold out since Fall 2020 and won't let anyone new or existing, buy any more bonds until they get SEC clearance to sell more, which seems to be going on and on.","author":{"@type":"Person","name":"Anonymous","url":""}},{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/passive-income\/other-ideas\/worthy-bonds-review\/#Comment7","dateCreated":"2021-02-27 07:50:00","description":"You mention Worthy is not FIDC because they are not a bank, but they are a form of brokerage so why not SIPC?","author":{"@type":"Person","name":"Charles Richardson","url":""}},{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/passive-income\/other-ideas\/worthy-bonds-review\/#Comment8","dateCreated":"2021-01-02 18:28:44","description":"I find it disappointing that you call Worthy Bonds a \"Low-risk investment\" and completely neglect to mention that Worthy Bonds are an unsecured obligation of a company that not only has never made any money, it has been issuing \"going concern\" warnings in filings with the SEC for several years.  Here's a link to an offering circular from Dec 16, 2020 https:\/\/www.sec.gov\/Archives\/edgar\/data\/1699834\/000149315220023749\/partiiandiii.htm that includes this warning: \"As noted in our consolidated financial statements, as of June 30, 2020, we had a shareholder\u2019s deficit and accumulated deficit of approximately $3,452,000 and $3,993,000, respectively. These conditions raise substantial doubt about the Company\u2019s ability to continue as a going concern and our management has raised substantial doubt about our ability to continue as a going concern and our independent registered public accounting firm has included an explanatory paragraph relating to our ability to continue as a going concern in its audit report for a period of 12 months from the issuance date of the audit report with respect to our audited consolidated financial statements for the years ended from December 31, 2019 and 2018. \"\r\n\r\nI don't think that your review of Worthy Bonds actually depicts \"Money Done Right\"","author":{"@type":"Person","name":"Amy Gre","url":""}}],"about":["Other Passive Income Ideas"],"wordCount":1746,"keywords":["schema"],"articleBody":"\t    \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tWorthy\t\t\t\tBasics: Worthy is an investment platform to buy bonds that support small businesses and earn a stable 5% return.Pros: Low-risk investment with a stable return and easy access to your funds through the online platform or app.Cons: Low return compared with the potential return on stocks and some funds.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFees (Details)\t\t\t\t\t\t\t\t\t\t10\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tInvestment Options (Details)\t\t\t\t\t\t\t\t\t\t5\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tEase of Use (Details)\t\t\t\t\t\t\t\t\t\t9\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFun to Use (Details)\t\t\t\t\t\t\t\t\t\t7\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tReferral Bonus (Details)\t\t\t\t\t\t\t\t\t\t6\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tCustomer Service (Details)\t\t\t\t\t\t\t\t\t\t5\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tOur Review Methodology        We may receive a commission if you sign up or purchase through links on this page.  Here's more information.    Investing is a great way to grow your savings and plan for the future. A platform called Worthy lets you invest and earn real returns with just your spare change.The company\u2019s low-cost bonds support carefully vetted small businesses, and you can automate your investments with round-up funds.In this Worthy review, we\u2019ll cover the basics of this micro-investing platform for bond investment. We\u2019ll explain the benefits and drawbacks to its stable 5% return and present alternative investments to help you determine whether this is the right place for your money.Table of ContentsToggleWhat Is Worthy?Features of Worthy BondsWorthy Bonds CostWorthy Pros & ConsAccessibilityWorthy FAQsAlternatives to Worthy BondsWho Is Worthy Bonds Best for?How to Sign upWhat Is Worthy?Founded in Florida in 2016, Worthy provides investors an easy and affordable way to diversify their portfolios by investing in bonds, automate investments, and bring in predictable returns that surpass traditional savings.Worthy bonds cost $10 each and are available for purchase by all investors. They have a 36-month maturation period and boast a competitive, established rate of return: 5% interest.Worthy bonds support (well-vetted) small businesses around the United States. This allows investors to dip their toes into small business investing, even if they don\u2019t know much about it or aren\u2019t sure where to start.LimitationsThe maximum investment limit is 10,000 Worthy bonds, which equates to $100,000 invested. Additionally, non-accredited investors are limited to investing up to 10% of their net worth or annual income.Note that your money could earn a lot more through stocks, certain funds, and even peer-to-peer lending platforms \u2014\u00a0 but you\u2019d take on significantly greater risk by investing in those versus bonds.Speaking of risk: Bonds are not foolproof. They are still a risk-based investment, which you should always keep in mind. If the business your bonds back fails, Worthy will attempt to recoup the loss through the assets used as collateral. However, the funds are not guaranteed.Worthy bonds also aren\u2019t FDIC-insured, though they are SEC-registered.What Makes These Bonds \u201cWorthy?\u201dHow do you know the small businesses your Worthy bonds support are worthwhile? What makes them worthy of your hard-earned money?This company says it believes in \u201csupporting Main Street, not Wall Street,\u201d offering community capital to promising businesses that need it most. While this sounds great, of course, there needs to be a balance between this idea and investment risk.\t\t.st2-28710.btn.btn-default:hover{border-color: #4db848;color: #4db848;background: #fff !important;}\t\t\t\tInvest in Worthy BondsWe earn a commission on this offer.\t\t\tReturn5%Stable return on investmentCost$0No feesMinimum purchase$10Price per bond\t\tThat\u2019s why Worthy only invests bond proceeds into fully secured, asset-backed businesses. In fact, most Worthy-supported companies are able to provide assets of around two-thirds the loan value as collateral.\u00a0Examples of collateral that Worthy accepts may include company inventory or even commercial accounts receivable. If a borrower were to default on their loan, Worthy would be able to sell off these assets to recoup some of the loss.This collateral reduces the risk Worthy investors take on when supporting these small businesses. Features of Worthy BondsYou\u2019ll find some great features when investing with Worthy bonds:Low investment minimums: To invest with Worthy, you\u2019ll only need $10 to purchase your first bond.Short-term investing: Worthy bonds mature after only 36 months, so you can reinvest or put your money to work elsewhere without it being tied up for a long time.Investing available to all: Anyone can invest in Worthy bonds, regardless of whether or not they are accredited investors.Established returns: Like other bonds, Worthy bonds earn a stable interest rate of 5%, making them a more predictable investment than stocks or funds, or even a high-yield savings account.Easy automation: You can set up recurring investments, or link a debit or credit card to round up when you make a purchase. When you reach a $10 balance, you\u2019ll automatically invest in another Worthy bond.Flexible investing: Want to cash out early? No problem. You can pull your money out at any time. (Investments of $50,000 or more can take a bit longer, though.)IRA linking: Already have an established IRA? You can link the account and use the funds to invest in Worthy bonds to diversify your portfolio.Automatic reinvesting: If you\u2019d like, your interest can be automatically reinvested into additional bonds, rather than distributed to you.Interest-only withdrawals: You are able to withdraw your interest earned at any time without forcing a sale of bonds. You are, however, limited to no more than two\u00a0 withdrawals of less than $10 in a 30-day period.Referral bonus: Get a free $10 bond for each new user you refer who maintains a balance of 10 bonds for six months. User referred can also earn a free $10 bond for investing at least $200.Worthy CausesAdditionally, the Worthy Causes program makes it easy to do good in the world with causes that are important to you. Through the Worthy app, donors can set aside money via spare change round-ups. When those savings reach $10, Worthy will use the funds to purchase a bond, then contribute them to the non-profit organizations that support your chosen cause.Not only do these organizations benefit from the $10 contribution, but they will also receive a 5% return on the fund\u2026 further amplifying your donation!Worthy Bonds CostThere are no fees involved with using Worthy. No reinvestment fees, no early withdrawal fees, no transfer fees, no fee-fees. Ok we made up that last one, but the point remains: there are no fees or penalties to worry about whatsoever.Each bond costs $10 to purchase.Worthy Pros & ConsWorthy ProsInvesting is easy.The platform is fee-free.You can automate everything.Support small businesses.Returns are predictable.Cash out anytime.Worthy ConsStocks have the potential for higher returns.There is still some risk.Non-accredited investors are limited to investing no more than 10% net worth or income.Cashing out $50,000 or more could take a few weeks.AccessibilityIf you need to contact Worthy, you have a few options.No business hours are listed online, but the company lists a phone number: 833-WORTHY1. You can also send an email anytime to support@worthybonds.com.You can also live chat or leave a message with a Worthy specialist through the website.Worthy FAQs.accordion-list .accordion-title:hover{color: #4db848;}How does Worthy make money?The loans Worthy provides to approved small business clients are given at an interest rate higher than the 5% investors receive. Worthy keeps the difference. Why isn\u2019t Worthy FDIC-insured?FDIC insurance coverage is intended for banks, and Worthy is not a bank. However, Worthy is SEC-registered, providing an extra layer of protection for your investment.Is my interest taxable?Yes, your earnings from Worthy bonds are subject to local, state, and federal income taxes, as applicable. Worthy will send you a 1099 at the end of the year for tax purposes.Alternatives to Worthy BondsThere is no direct competitor to Worthy. However, depending on your primary reason for considering Worthy, here are a few alternatives that might meet your needs.If You Want to (Crowd)Fund Small BusinessesPeer-to-peer lending sites, such as LendingClub, offer investors an opportunity to support small business ventures along with other investors. By choosing a vetted platform, you can mitigate some risk in funding these businesses.Because the platform is responsible for properly vetting the business, accepting assets for collateral, and facilitating the funding, you don\u2019t need to do quite as much research or take on as much risk as you would going it alone.With platforms like LendingClub, you can choose the lending terms and level of risk you\u2019re willing to accept, and even browse expected returns.If You Want a Years-Long Investment That\u2019s Safe and PredictableThere is still some risk involved with bonds, even through a platform like Worthy. However, they are considered relatively low-risk, and the maturation period is only three years, allowing you flexibility. Plus, the interest rate is set at 5%, so you know what to expect.You can find even more security by opting for something like a certificate of deposit (CD). These savings vehicles come in a variety of terms, with interest rates that often rival or surpass high-yield savings accounts. Their return is locked in, so you don\u2019t have to worry about market trends or volatility, and your money is never at risk.If You Want to Earn High ReturnsWith great risk comes great reward, right? The more you\u2019re willing to risk your money, the more you\u2019re often able to earn.There is some risk involved with all bonds, though it\u2019s not as high as with stocks or funds. However, investing in the latter can also increase the opportunity to grow your money faster.Of course, there are no guarantees in investing, so be sure that you understand the risks involved anytime you invest.Who Is Worthy Bonds Best for?Worthy bonds might be right for you if:You want to invest in small businesses but aren\u2019t sure how to start or how to mitigate the risks involved.You want a secure way to earn more than your savings account is offering, but with more flexibility than a CD\u2026 and without fees!You\u2019re looking for a passive, easy investment option that lets you access your money easily.\t\t.st2-28710.btn.btn-default:hover{border-color: #4db848;color: #4db848;background: #fff !important;}\t\t\t\tInvest in Worthy BondsWe earn a commission on this offer.\t\t\tReturn5%Stable return on investmentCost$0No feesMinimum purchase$10Price per bond\t\tWorthy Bonds RequirementsTo invest through Worthy, you must be at least 18 years old and a U.S. citizen or permanent resident.How to Sign upYou can sign up online or download the Worthy app for iOS or Android.You\u2019ll need to provide:Name and contact information.Social Security number.Date of birth.Bank account information, including routing and account numbers.That\u2019s it. Once your bank account is connected, you can begin funding your account and purchasing bonds."},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Passive Income","item":"https:\/\/moneydoneright.com\/passive-income\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Other Ideas","item":"https:\/\/moneydoneright.com\/passive-income\/\/other-ideas\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"Worthy Bonds Review 2025: Can You Count on a 5% Return Through This Microinvesting App?","item":"https:\/\/moneydoneright.com\/passive-income\/other-ideas\/worthy-bonds-review\/#breadcrumbitem"}]}]