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Investing

Mintos strategies

Invest confidently with predefined strategies developed to match different investing goals. The easiest way to invest on Mintos.
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3 strategies for all risk tolerances

Investing should be easy and effective. Our predefined Mintos strategies work for portfolios of all sizes. They are fully automated, and can get you started in no time.

Get started in seconds, save time spent on investing
Earn attractive returns, cash out anytime (subject to market demand)
Diversify your investments to manage risk
Discover how Mintos works

The greatest diversification

Diversified

Spread your risk across a wide selection of investments to limit your exposure. Get the best diversification available on Mintos.

12.38%
average interest rate 1
10
-
2
Mintos Risk Score
Fully diversified across all Notes on the platform 2
Notes for all lending companies
Max 15% in Notes for one lending company
Notes backed by loans with a A buyback obligation provides an additional layer of protection for specific investments. It means that if any repayment by the borrower is delayed by more than 60 days, the lending company is obliged to buy back the loan together with any interest. buyback obligation

The best portfolio quality

Conservative

Build a more resilient portfolio with investments from lending companies with the best portfolio quality on Mintos.

13.13%
average interest rate 1
10
-
7
Mintos Risk Score
Includes Notes for lending companies with a portfolio that is at least 80% current and has less than 3% Money that is currently in the process of being credited to your account. The borrower has made a payment, and we're waiting for the lending company to transfer the money to us. We'll credit the money to your account as soon as we have it. Pending payments can include both current and finished investments. pending payments
Max 15% in Notes for one lending company
Notes backed by loans with a A buyback obligation provides an additional layer of protection for specific investments. It means that if any repayment by the borrower is delayed by more than 60 days, the lending company is obliged to buy back the loan together with any interest. buyback obligation

The highest interest rates

High-yield

Maximize your potential returns with the highest interest rate investments on Mintos.

14.79%
average interest rate 1
10
-
2
Mintos Risk Score
Top 60% interest rate Notes on the platform
Max 15% in Notes for one lending company
Notes backed by loans with a A buyback obligation provides an additional layer of protection for specific investments. It means that if any repayment by the borrower is delayed by more than 60 days, the lending company is obliged to buy back the loan together with any interest. buyback obligation

Your money, when you need it

Need your money sooner? Cash out to get your investment back any time under normal market conditions – even if the investments haven’t reached maturity. 2
More about cashing out

Compare ways of investing with Mintos

Strategy

Diversified

The best diversification with access to all Notes on the platform

12.38%

average interest rate 1

Select

Conservative

Notes for the lending companies with the best portfolio quality

13.13%

average interest rate 1

Select

High-yield

Prioritizes the Notes with the highest interest rates

14.79%

average interest rate 1

Select

Custom

For investors who want to create their own strategy or pick individual Notes

6% - 20%

interest rate currently available 1

Select
About strategy

The best diversification with access to all Notes on the platform

Notes for the lending companies with the best portfolio quality

Prioritizes the Notes with the highest interest rates

For investors who want to create their own strategy or pick individual Notes

Investment selection

Notes backed by loans with a buyback obligation

Fully diversified across all Notes on the platform

Notes for all lending companies

Max 15% in Notes for one lending company

Notes backed by loans with a buyback obligation

Includes Notes for lending companies with a portfolio that is at least 80% current and has less than 3% pending payments

Max 15% in Notes for one lending company

Notes backed by loans with a buyback obligation

Top 60% interest rate Notes on the platform

Max 15% in Notes for one lending company

Investor’s choice

0 Notes available on the Primary Market

A numerical measure that portrays the risk level of a particular investment opportunity. It’s an aggregate of four subscores that are summarized and expressed through a numerical point-based risk evaluation model. Mintos Risk Score

10 to 4

10 to 7

10 to 4

10 to 2 available

Access to your money

Instant 3

Instant 3

Instant 3

Maturity or selling loans

Investment currency 4

EUR

EUR

EUR

10+ currencies

Information on Mintos portfolio management services
Compare ways of investing

Ready when you are

Start investing today.

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