MINTOS | P2P Lending

Last update: Jan-20.


  • Founded: 2014.
  • Total Invested (loans funded): EUR 4.7 billion


  • Number of investors: 258,000 from 72 countries. 
  • Eligibility: registering at MINTOS is simple. Creating an account as an individual requires just an email and a password. The platform complies with KYC (Know Your Customer) and you need to provide an identification document to be able to withdraw money from the platform.Both individuals and entities (Family trusts, partnerships, limited liability companies and other organizations) can invest through Mintos. 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.


  • MINTOS invest in several geographic regions: Europe, east Europe, South America, Central America, Central Asia, Asia and Africa.
  • MINTOS invest in 29 countries: Albania, Armenia, Botswana, Bulgaria, Colombia, Czech Republic, Denmark, Estonia, FYR of Macedonia, Finland, Georgia, Indonesia, Kazakhstan, Kenya, Kosovo, Latvia, Lithuania, Mexico, Moldova, Philippines, Poland, Romania, Russia, South Africa, Spain, Sweden, Ukraine, United Kingdom, Zambia.
  • Borrowers: Mintos lend to more than 50 Loan Originators (Financial Institutions).


  • Loan originators under MINTOS present 7 Type of Loans: 
    • Mortgage Loans
    • Car Loans
    • Invoice Financing
    • Business Loans
    • Short-term Loans
    • Personal Loans
    • Agricultural Loans
  • Interest rate range: 6% until 20+%.
  • Loan tenor Range (duration of the loans): we can select loans with terms from 6 months until 72+ months.


  • Minimum investment: 10 Euros.
  • Investment modality: manual or automatic.
  • FEEs: investing through Mintos is free of charge. There are no fees for opening an investor account and no fees for depositing or withdrawing funds. There is also no service fee, or any other fee charged to investors.
  • Secondary Market: in case we want to liquidate our investments and withdraw our money, we can sell our loans on the platform, through a secondary market.


MINTOS provides access to loans with a wide range of interest rates (6-20%). As such, the performance depends upon the type of loans selected (quality/rating of the loan originators, type of loans, range of interest rates selected, duration of the loans). On average MINTOS promotes average annual returns around 8-10%. Based on our experience, our MINTOS investments in the last 12 months provided a solid 10% profit.


Based on your investment strategy, risk profile, it is possible to include MINTOS among other Investment products. The platform is by far the biggest crowd funding investment platform in Europe and is taking several actions to be regulated. If you are ready to try the service, you can access it through this link MINTOS.


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