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Mintos
Mintos is one of the best-known P2P marketplaces in Europe, headquartered in Latvia and aggregating loans from a wide network of third-party loan originators across multiple countries rather than originating loans itself. Its investments are now structured as regulated Notes under a Latvian investment-firm licence, and it combines one of the industry's most liquid secondary markets with tools like Mintos' own risk-rating system for originators.
Avg. return10.8%
Min. investment€50
Buyback guaranteeYes
Auto-investYes
Secondary marketYes
Admin. fee0.39%/year portfolio management fee (Core Loans)
Referral bonus
New investors get a 1% bonus on their average investment during the first 90 days, plus a flat €50 bonus if they invest at least €1,000 within 60 days (held until day 90).