Invest & Access

Earn high returns.
Get your money when you need it.

Investing has never been more flexible. You can earn attractive returns, and still access your money anytime. It’s super easy, too.

As simple as it gets

The easy way to invest. Just set an amount, and that’s it. You’ll start earning competitive returns in no time.

Invest

Invest & Access will buy small fractions of many different loans issued by different lending companies to borrowers around the world.

Earn

We’ll show you the average interest rate of available loans before you invest.

Reinvest

We’ll reinvest your returns so your money can work continuously and earn even more interest.

11.75%

Average returns if you start investing now* 1

Your money, when you need it

Need your money? Now you can get your investment back any time – even if the loans haven’t reached maturity.

Cash out instantly

Tell us how much you want to withdraw from Invest & Access. We’ll sell loans in your portfolio to other investors and credit the money to your Mintos account. You’ll usually get your money instantly, depending on market demand.2

Selling late loans

We can’t sell late loans for you (coming soon) – but you can get your money when they recover or reach buyback. Or you can sell them on the secondary market.

11.75%

Average returns if you start investing now* 1

Ahead of the pack

Faster than everyone else. Invest & Access invests before other investors. Lead the market, don’t follow.

First to buy loans, before they are listed on the primary market

Don’t miss out on loans that are in high demand – get ahead of other ways of investing on Mintos

Manage risk smartly

Spreading investments over many different loans is a tried and true way to reduce your risk – and earn more stable returns.

Best diversification Mintos offers – at no extra hassle

Invest & Access only buys loans with a buyback guarantee

Compare ways of investing with Mintos

 
Invest & Access
Auto Invest
Manual investing
Investment starts from
EUR 500
EUR 10 on primary market and EUR 1 on secondary market
EUR 10 on primary market and EUR 0.01 on secondary market
Average returns
11.75%¹
Depends on the strategy
Depends on the selected loans
Diversification
Fully diversified across all loans on the marketplace
Diversified across all loans matching the strategy
Manual diversification
Access to your money
Instant*2
Maturity or selling on the secondary market
Maturity or selling on the secondary market
Buyback guarantee
All loans
According to the strategy
Over 95% of loans
Fees
No fees
No fees
No fees
Invest & Access

Investment starts from

EUR 500

Average returns

11.55%¹

Diversification

Fully diversified across all loans on the marketplace
Auto Invest

Investment starts from

EUR 10 on primary market and EUR 1 on secondary market

Average returns

Depends on the strategy

Diversification

Diversified across all loans matching the strategy
 

FAQ

Invest & Access fully diversifies your investment across current loans from all applicable lending companies on the marketplace. Your exact portfolio mix automatically adjusts to the market. To give you the best diversification for additional protection and stable returns, Invest & Access rebalances your portfolio daily. Invest & Access only invests in loans with a rating of A+ to C- and buyback guarantee. In addition, it only buys loans from lending companies that have been on the marketplace for at least 6 months.

When you want to cash out money, Invest & Access automatically sells loans in your portfolio to other investors using Invest & Access. Selling usually happens within a few minutes, depending on demand from other investors at that time. You can only sell current loans. If a loan in your portfolio is late, you can get your money when it recovers or buyback kicks in. You can also manually sell late loans on the secondary market from the My Investments page.

Normal market conditions means conditions where investors are willing to invest in loans. Since Mintos was founded in January 2015, we have experienced normal market conditions. Nonetheless, past performance does not guarantee future performance, and abnormal market conditions could conceivably change the availability of your money. Abnormal market conditions would be if there was a very large, sudden and extended demand to cash out from Invest & Access. This might be caused by a global recession, an abrupt and widespread loss of faith in investing in loans or a number of other situations. If, for a sustained period, a significant number of investors chose to cash out in significant quantities and no (or few) new investors were willing to invest in their loan shares, conditions would at that point be abnormal. Ultimately this could mean that investors may have to wait until a buyer could be found for their loan shares in their Invest & Access portfolio, or until the loans were repaid over time by the borrowers.

Invest & Access only invests in loans with a buyback guarantee. In addition, it only buys loans from lending companies that have been on the marketplace for at least 6 months.

Invest & Access gives you the best diversification for your portfolio, based on what is available on the market at any given moment.

How much you can earn depends on what’s in your portfolio and what’s available on the market. We’ll show you the weighted average interest rate for your portfolio on your Invest & Access page.

No. Your interest can go up or down, depending on what’s available on the market. We’ll show you the weighted average interest rate for your portfolio. And you can always stop investing with Invest & Access and cash out your money if you are not happy with what you get.

No.

Invest & Access invests balance in your Mintos account first. After that, your Auto Invest portfolios invest based on their priorities.

 

1 Weighted average of available loans, your portfolio returns can be higher or lower.

2 You should be able to access your money anytime under normal market conditions.