The leading marketplace for investing in loans

Invest in loans and start earning passive income. Connect with thousands of opportunities around the globe on our marketplace.

Investing your money puts your capital at risk. Learn more about risks


current average interest rate¹

466 238

registered users from 62 countries

7 776 560 919

invested in loans since 2015

26 219 208

loans funded

Make your money grow

Investing with Mintos can earn you higher returns compared to bank deposits as well as popular international indexes for stocks, bonds, and real estate.²

See historical data

Manage your risk

  • Your safety blanket. More than 99% of the loans come with a
    Buyback obligation
    If the loan is delayed by more than 60 days, the lending company will automatically buy back the investment and pay you interest.
    buyback obligation
    from the lending company.
  • Know what you’re getting into.
    Mintos Risk Score
    Mintos Risk Score gives you a better idea about the investment opportunities on our marketplace.
    The Mintos Risk Score
    can help you make informed decisions.
Learn more

Investing made easy

  • Put your money on autopilot. Just set the course with our
    Automate your investment
    The most convenient way to invest in loans and build a diversified portfolio. Start with a few clicks – or create your own strategy – and our advanced algorithm will put your money to work for you.
    automated algorithms
    and sit back.
  • For every income and portfolio. Earn proven returns, whether you invest € 10 or € 500 000.

Ready. Set. Go.

Start investing today.

Investing your money puts your capital at risk. Learn more about risks

Here’s what they say about us.

90% of our investors come back for more.

Juhan Kaarma

I love Mintos. Had no previous experience with P2P investing but it seemed like a good option to get reasonable returns with low risks and getting started on Mintos was super-easy. It took me like 20 min to get started with my account and set-up the auto-invest strategy which is the feature that I love. From there on I pretty much just check the reports from time-to-time and watch their algorithms do the rest.


My favorite P2P platform. After some time I consider Mintos for one of my favorite platform for investing with my 13% average interest rate. I had only good experience with it. There are many options how to set you auto invest strategy, so better read about how to set your strategy before you invest your money. Or you can use Invest & Access with 12% average interest rate. Other good thing to mention is, that there are 63 loan originators. You can great diversify your portfolio. Most of the loans are with buy-back guarantee.

Zdeněk Pečinka

Mintos is the best. Pros: + well-arranged and simple to use - it takes only a few minutes to setup your autoinvest + autoinvest saves a lot of time + automatic diversification + inbuild FX saves a lot on transaction fees + ability to invest in multiple currencies + amazing returns Cons: - nothing so far

Felix Dix

3 Years of mintos experience and I am still a big fan! I am a custumer since 6/16 and i only had great experiences with this platform. Can totally recommend it!

Show all