HOW IT WORKS

Unlock a new way to invest

Historically, only banks and institutional investors have been able to make money by investing in business and consumer credit. Mintos now opens this asset class to private investors and makes it accessible to everyone – no matter if you're an experienced investor or just starting.

Mintos was founded in 2015 and has since become the largest platform of its kind

On our global platform, you can invest in loans¹, manage your risk with various tools, and earn attractive returns². Take a step towards financial freedom with this investment opportunity that 491 358 registered users around the globe are already loving.
€ 8.2 billion
invested since 2015³
491 358
registered users
11.84%
current average interest rate⁴

Loans on Mintos

Mintos is unique in the way that we do not issue loans – the loans are brought to the platform by our partner lending companies from around the world.

Lending companies provide alternative financing to individuals and small businesses. We check that the companies we work with have a strong track record in loan origination, professional risk management, and a solid financial standing.

To help fund the loans they issue, lending companies cooperate with Mintos to offer loan-backed investments to retail investors.

64 lending companies from 33 countries offer investment opportunities on Mintos

Lending companies

Choose your investments

On Mintos, investing starts from €50, or the equivalent in the other currencies we support. That means everyone can be an investor. And it’s really easy to create a diversified portfolio to protect your investment and earn more stable returns. Get started in no time with automated investing options, or hand pick investments of your choice.

Since 2015, investors have earned 10.16% net return per year on average⁵

Earn returns on your investment

Your investments generate returns based on repayments borrowers make on their loans.

Since Mintos was founded, investors have earned € 198 265 723 from interest.

Accelerate your returns

Many investors choose to reinvest their returns so their money can keep working. Given enough time, earnings can grow exponentially thanks to the power of compound interest.

75% of investors continue investing with Mintos after one year⁶

Accelerate your returns

Many investors choose to reinvest their returns so their money can keep working. Given enough time, earnings can grow exponentially thanks to the power of compound interest.

75% of investors continue investing with Mintos after one year⁶