Rates: Up to 14% in EUR, 18.5% In other currencies
Liquidity: High

Buyback Guarantee: Yes, after 60 days
Loans: Individual, Business, Real-estate
Duration: 1 Week – 20 Years
Min. Investment: €10
Currencies: EUR, DKK, GBP, GEL, KZT, PLN,  RUB, SEK
Secondary Market: Yes
Auto-Invest: Yes
Fees: No fees, except foreign exchange
Deposits: Bank transfers

What Is Mintos?

Based in Latvia, Mintos is a peer-to-peer lending marketplace, which was established in January 2015. It is a relatively young platform, and yet there are more than 251,000 registered investors with an average portfolio value of €4.500 already. The overall investment is over EUR 5.1 Billion and interest paid to investors over €92.500.000 (as of April 2020). Such stellar growth can only be seen in very few other European platforms.

Mintos is more than a common P2P lending platform; it is a marketplace for pre-funded loans. Instead of accepting borrowers and listing their own loans, they are working with loan originators and list loans to the marketplace. This model allows investors to diversify the investments between several countries, loan types, and currencies. Loan shares are listed on the Mintos marketplace, where the minimum investment is €10 per loan and annual returns around 14%. Let’s get into a little more detail in my Mintos review.Offer: 1% cashback paid after 30, 60 and 90 days on the amount invested after registration using this link. You can also read my review of Mintos here.

Mintos just informed me that from 18.11.2019 the signup bonus for new investors will 0.5% instead of 1%. This affects all referral links from all websites.