Welcome to Mintos marketplace for loans!

Here you can earn up to 11% in passive income annually by investing in loans originated by alternative lending companies.

Unlock a new way to invest


Registration is free, and there are no fees on investing.

How it works?

  1. Borrowers apply for a loan at the loan originator.
  2. The loan originator evaluates the application, sets an interest rate and lends money from its own funds.
  3. The loans are then listed on the Mintos marketplace, where you can select loans to invest in, thereafter receiving monthly payments and interest.

Why invest through Mintos?

Unmatched diversification

Unmatched diversification

Mintos provides unparalleled diversification possibilities across different borrowers, loan types, loan originators, and geographies - all within a single marketplace. Currently, you can invest in loans issued by 64 loan originators from 33 countries on four continents - Europe, Asia, Africa and South America.

Investor protection

Investor protection

At Mintos, we take investor protection seriously. The interests of investors are safeguarded by several layers of risk mitigation. For many loans, buyback guarantee is offered - if the borrower fails to repay the loan for more than 60 days, the loan originator buys back the loan from the investors.

Easy to use

Easy to use

Investing in hundreds - or even thousands - of loans and building a well-diversified portfolio has never been easier. You can choose loans one by one or set up our Auto Invest tool to do the work for you. You can invest in multiple currencies and start as small as € 10 or an equivalent in other currency.


  • How do I invest?

    First, you need to have available funds in your account at Mintos to make investments. Learn how to transfer funds to your Mintos account in the FAQ Getting Started section. section.

    Once you have sufficient funds, there are two ways to invest:

    1) Auto Invest
    - Set your preferred investing criteria, which you can change whenever you like; - Save time and effort, diversify your portfolio by investing in several loans at once;
    - Make your money work by continuously reinvesting interest earned in new loans, accruing compound interest;
    - Automatically invest in new loans as soon as they appear in the system without even having to log in. Keep in mind that you can stop Auto Invest at any time.

    You can read more about Auto Invest in FAQ Auto Invest section.

    2) Manual Investing

    - Browse loans currently listed on the Mintos marketplace in either the primary or secondary market and select loans individually to build your portfolio;
    - Invest funds in the selected loans or their parts, with the option of reinvesting funds received from borrower payments.

  • How do I make money from my investments?

    Each borrower makes monthly payments according to their loan agreements, which can consist of principal, interest and late payment fees, or any combination of the above.

    The principal part of the payment reduces the carrying value of your investment in the loan, while the interest and late payment fee portion of the payment is treated as your income.

    Your portion of the payment, which is calculated based on your investment in any particular loan, will be added to your Mintos account after the payment has been processed. You can then choose to invest the funds in more loans or transfer them to your bank or e-money account. Because different loans have different payment due dates, most investors with multiple investments see a continuous stream of payments added to their Mintos account throughout the month.

  • What is the minimum amount that can be invested?

    The minimum investment in any single loan on the primary market is EUR 10, USD 12, DKK 80, GEL 25, PLN 50, GBP 10, SEK 100, RON 50, RUB 700, KZT 4 000, MXN 200 or CZK 300. There is no minimum for investments in the secondary market.

  • Who can invest?

    Both individuals and entities can invest through Mintos. Individual investors must be at least 18 years old, have a bank account in the European Union or third countries currently considered to have AML/CFT systems equivalent to the EU, and have their identity successfully verified by Mintos.

    Family trusts, partnerships, limited liability companies and other organizations must have a bank account and be registered in the EU or third countries currently considered to have AML/CFT systems equivalent to the EU.

    UK citizens, residents or taxpayers currently can’t invest on Mintos.

  • How do I transfer money to my account?

    You can transfer money to your Mintos account from your bank or e-money account. Transfers in EUR can be done easily and at low cost using SEPA (Single Euro Payments Area) transfers. If you have money in currency other than EUR, you can transfer it using money transfer service. You can find a full list of deposit options here.

Join the 404 939.00 registered investors from 62 countries now!


Registration is free, and there are no fees on investing.

1 AS Mintos Marketplace (“Mintos”) is a joint stock company registered in the Commercial Register of the Republic of Latvia under registration No. 40103903643, with legal address at Skanstes iela 50, Riga, LV – 1013, Latvia. Mintos is not regulated under any financial services license. Mintos is a global online marketplace for loans. When you invest on Mintos, you buy claim rights for loan receivables and those are not deposits. Investments in loan receivables are subject to risks. We advise to carefully evaluate the risks and diversify investments.
2 Users must be 18 years old or older.
3 As of 25th March 2020, we stopped the cashback bonus, offered for new investors until further notice. Please note if you registered past the 25th March 2020 you will not receive any bonus.

Don’t miss the opportunity to earn 11 % per year!

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