Invest in loans

Choose from thousands of loans from around the world. Start investing from just €50, or build portfolios of any size. Automate your investments to save time.

Join Europe’s leading platform for investing in loans

Invest in loans via regulated financial instruments (Notes)
Protected by the investor compensation scheme Learn more
Attractive risk-adjusted returns¹

Invest your way

We make investing in loans easy, whether you’re a beginner or an experienced investor.

Used by more than 50% of investors

Core Loans

Get started in minutes. This ready-to-go portfolio takes care of investing for you, and provides easy access to your money.²

Custom Loans

Create a portfolio with your own investment rules. Then sit back while it invests for you.

Manual investing

Actively choose and manage individual investments from a huge selection. Check all details before investing.

Investing is free

We don’t charge any fees for investing on Mintos, or depositing or withdrawing money. Learn more

How investments in loans stack up against other assets

Investment growth
Annualized return ranking
Growth of a €100 investment in 2015. The chart shows the investment value at the start of each period.
High-yield bonds
Real estate
Investment-grade bonds
Source: MSCI World Index, Bloomberg Barclays Global High Yield Total Return Index, MSCI World Real Estate Index, iShares Euro Investment Grade Corporate Bond Index Fund, JPM Eur Money Market VNAV Eur, Mintos Net Returns
Important information
Past performance is no guarantee of future results. Any historical returns, expected returns, or probability projections may not reflect actual future performance. All investments involve risk and may result in significant losses. Read more about the risks of investing on Mintos, or take a look at our loan book as a download.

Your money, when you need it

If you don’t want to wait for your investments to reach maturity, Mintos offers ways to get your money sooner. With Core Loans, you can cash out your investment anytime under normal market conditions – even if they haven’t reached maturity.²

And no matter how you invest, you can also sell your investments to other investors on our active Secondary Market.⁴

Learn more

Investing in loans in a regulated environment
How Notes are created
Earning a return on the investment
How Notes perform in different market conditions
Transparent information about all Notes