Mintos – more than an ordinary marketplace

Mintos is a global online marketplace for loans. Mintos provides retail investors with an easy and transparent way to invest in loans originated by a variety of alternative lending companies around the world. The mission is to facilitate free and efficient movement of capital. At Mintos, investors can invest in different types of loans originated by many different loan originators. There are no fees for investing on Mintos; investors can invest in multiple currencies starting with small amounts.

How it works?

  1. Borrowers apply for a loan at the loan originator.
  2. The loan originator evaluates the application, sets an interest rate and lends money from its own funds.  
  3. The loans are then listed on the Mintos marketplace, where you can select loans to invest in, thereafter receiving monthly payments and interest.

See the whole process below



I really like that Mintos is trying to be as transparent as possible in all respects. The creators obviously realize that trust comes first in terms of loans. Mintos has been operating since 2015 and has grown solidly since than. Today, at the end of 2019, the volume of loans financed has already exceeded EUR 4 billion.


Mintos is mainly offering short-term and personal loans. Car loans also have a significant share and you can also find interesting business loans. The remaining types of loans are only slightly represented. I suppose you will be mainly interested in the riskiness of individual types of loans. These are summarized in the following table. Interestingly, the most risky type is the financing of invoices and business loans.


As you can see there are alse loans in default and bad debt status. Luckily for you there are loan originators who offer you buyback guarantee in case the loan is not repaid. You can just easily filter them out and I will will focus on them in upcoming articles.

Secondary market

Another thing why I really like Mintos is the secondary market. First, I can buy individual loans at a discount (for Kazakhstan and Russian loans you can even manage to find a discount up to 1%) and secondly, I can sell my loans at any time if I need capital. For example, the stocks indexes are falling so I want to invest there instead of Mintos. When this happens it is very helpful that euro loans are quite liquid assets, so if you need flexible cash flow, as I do, I recommend investing most of your capital into them – even at the cost of lower interest rates compare to the loans in the markets in Russia and Kazakhstan. I am going to write about it more in next episodes. For now, let’s summarise with statistics related to the secondary market.

Invest on Mintos and earn your bonus

The great thing is there are no fees for investing on Mintos as it is paid by loan orginators who needs capital for their loans. Only fees you will pay is for currency exchange. It means if you have bank account in Euros and you invest in Euros there are no fees at all! Moreover you can earn bonus for your investments. Bonus depends on how much you invest within the first 30 days.


Peer to peer lending market has been enjoying very good years and Mintos has established itself as a stable and profitable company operating not only in the European market. Today it is one of the most popular P2P platforms for investors. Due to the simple user interface, the amount of loans, the possibility of setting up automation, diversification and maintaining a minimum investment of 10 Euros, it is very popular with other investors. I sincerely recommend Mintos as a platform for P2P loans and investments because I personally have very positive experience with it for several years.



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