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Mintos p2p loans – now 12% return in 2021

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The peer-to-peer lending platform Mintos is the largest of its kind in the world and is based in Europe. Its marketplace features loans from over 60 partners worldwide. If you want to learn how you can earn 12% return with p2p loans on this marketplace, I will explain it to you in this post.

If you don’t have any experience with p2p loans or peer-to-peer lending, I would recommend reading this article linked above first.

How do I register with Mintos?

This is actually quite simple. You follow the link here on this page and then get to the page of Mintos. There you first enter your email address and then follow the instructions. You do not need to enter an invitation code, because it is already included in the link.


How does Mintos work?

On the Mintos marketplace, you can choose from a wide variety of loans. These are provided by over 60 active lenders. Mintos acts as an intermediary between the individual lenders and the investors.

You now have the opportunity to choose from these p2p loans and then invest. For this purpose, there are various options on the platform and I would like to introduce you to them in this article. Before I start, I would like to explain the difference between the primary market and the secondary market.

The primary market is the main market on Mintos. There you can find all new loans of the different providers. From an amount of 10€ you can buy shares of loans here.

On the secondary market, investors can offer their loans for sale to other Mintos investors. You can even charge a premium or discount on your loans. In addition, as investor, you may be able to benefit from loans that have an attractive discount or that are not available on the primary market. Here it is possible to buy and sell loans from an amount of 1€.

What are the Mintos investment strategies?

So that you do not have to manually select the individual loans, Mintos has come up with special methods. With simple settings, it is possible that your investments are automated. You only need to select the strategy once and then your money will be invested all by itself.

Even if loans are paid back, or if you receive interest, then these are also reinvested automatically. You do not have to worry about anything else. But what strategies are there with Mintos?

For this purpose, I would like to start with the three predefined strategies and then explain their advantages and disadvantages. In addition, there is also a user-defined strategy with more setting options.


To do this, your money should be spread over a wide range of loans to limit your risk. You can get a very broadly diversified portfolio there.

  • 12.25% Average interest rate
  • Risk Score from 10 to 2
  • Investing in on-time loans from all lenders
  • The algorithm prioritizes diversification
  • Maximum portfolio share of 15% of a credit company
  • Loans with and without repurchase obligation


The focus here is to invest in loans with a very high Mintos Risk Score. This is an attempt to minimize a loan default. However, this is at the expense of the return.

  • 9.84% Average interest rate
  • Risk Score from 10 to 2
  • The portfolio of companies is at least 80% on time and has less than 10% outstanding payments
  • The algorithm prioritizes risk reduction
  • Maximum portfolio share of 15% of a credit company
  • Loans with a repurchase obligation


Attempts are made to invest in the loans with the highest interest rates.

  • 12,60% Average interest rate
  • Risk Score from 10 to 2
  • Invest in the loans with the best 60% of interest rates on the platform
  • The algorithm prioritizes loans with the highest yield
  • Maximum portfolio share of 15% of a credit company
  • Loans with a repurchase obligation

Advantages and disadvantages

Here is a brief summary of the advantages and disadvantages of the three ready-made strategies.


  • Get started in seconds
  • Withdraw money at any time (depending on market demand)


  • No individual settings possible
  • Diversification not as high as with own settings

How does the custom strategy work?

If you choose this strategy, you have two options. You can choose whether you want to invest manually or automated. In the following I would like to talk only about the automated variant.

First you need to choose the currency and then the primary or secondary market.


Filter criteria

Then you will see a table with different filter criteria and above it a field “Select/Unselect All”. First uncheck this box to set your filter. Now you can set the filters as you like.

It is best to start from left to right. First select the Risk Score, and I would definitely uncheck SW. These companies are either not active or have problems. After that I recommend you to select all credit types, so that you get a broadly spread portfolio. If you do not want to invest in a specific country, you can exclude it. Last but not least, I recommend you to choose only loans with buyback obligation.

Now that you have selected all the filter criteria, check the box above the table again. This will select all the loans that match your criteria. This brings us to further settings that I find useful.

Settings per credit company

On the far right of the individual companies you will find a drop-down menu. There they can make individual adjustments. You will find an info box for each field that explains what you can adjust there.

I personally have adjusted the following things:

  • Amortization method – only complete
  • Original LTV – max. 70% (for real estate and car)

Interests etc.

Below the selection list with the individual credit companies, there are further options for settings. We will now go through all of them one by one.

If you want to invest only from or up to a certain interest rate, you can do so with the slider. The distribution of the current loans can be found under Available loan report.

Furthermore, you will find another slider to limit the duration of the credits.

Now give the strategy a name. In addition, you must enter the max. size in the currency selected above. This is the maximum amount that can be invested in it.

At maximum investment per loan you should decide depending on your invested money. A high variety of credits is important to me, so it looks like this.

Reinvesting is a clear “yes” for me. In contrast, I opt for a clear “no” on the point – include loans in which investments have already been made. In this way, I reduce the risk.

Diversification for peer-to-peer lending

Here you have the possibility to decide how broad you want to diversify your loans. First you have to select “yes” for diversification over several lenders.

Then go to the settings and you will see how the loans have been divided among the lenders. Mintos uses their own algorithm here. Individual lenders have 1% and others have 7% or even 20%. However, this does not distribute your loans equally across all lenders.

But if you want to change the diversification settings, then you have the possibility to adjust the distribution. This will then distribute all the credits equally. This is my preferred variant.

Attention in case of changes!
I noticed that after each change, my settings are gone and I have to do it again. Please check each time after you have saved your strategy whether your diversification for this strategy is still correct and change it if necessary.

Advantages and disadvantages

Here is a brief summary of the advantages and disadvantages of the custom strategy.


  • Individual settings
  • High diversification possible
  • Sale of loans on the secondary market


  • More time consuming than with the prefabricated strategies

What is meant by buyback obligation?

The loan company commits to buy back a loan from the investor if certain criteria are met. In Mintos, this is the case as soon as a loan is more than 60 days late. Then the credit companies have to buy back the investment at the nominal value plus accrued interest.

Although this process can take a while, it increases your chances of getting your money back. Of course, this repurchase obligation provides you with some security, even if it is not 100%.

However, it may be that the companies also do not fulfill their obligation. In that case, you would not receive any money as an investor either.

What is the Risk Score?

On Mintos, all available loans are rated. This gives the investor the possibility to choose how much risk he wants to take. For this purpose, the risk score is calculated from the following 4 sub-scores and these have a different weighting.

  • 40% Credit portfolio performance
  • 25% Credit manager efficiency
  • 25% Repurchase strength
  • 10% Cooperation structure

The value is then determined from this and expressed on a scale of 10 to 1. Here, the values 10 to 8 represented a low risk. A value of 7 to 5 represents a medium risk. From a number of 4 and less, the risk is at the highest.


In addition, there are other criteria. A rating (SW) can be withdrawn if there is a lack of information on a specific aspect needed to calculate the partial rating. Also, if the credit company is inactive for a longer period of time, or if its status is “defaulted” or “suspended”, its rating is automatically withdrawn.

How are the profits from p2p loans taxable?

Every country has a unique tax system with different allowances, restrictions and tax declaration systems. We’re not going to cover every country’s tax system, but we can give a brief overview how it is for some countries.

In some countries peer-to-peer earnings on an income tax level and on other they are on a capital level. Please inform yourself about the laws in your country.

At Mintos it is very easy to create a receipt for their tax return. To do this, go to their profile and then select the appropriate tab. Now they have to select the desired period and their report will be sent to you by email.

Advantages and disadvantages of Mintos

Here I would like to mention again all the advantages and disadvantages of the p2p platform Mintos for you.


  • Invest from 10€ in the primary market
  • Invest from 1€ in the secondary market
  • High yield with up to 12.35%
  • Over 30 countries
  • Buyback guarantee
  • Investment period 1 – 72 months
  • Rating system for lenders
  • Auto Invest available
  • 3 ready-made strategies to invest


  • Custom investing not quite intuitive
  • Default of loan companies happens
  • High risk, as with all p2p loans

What is the potential of Mintos?

Just recently, the platform raised money through crowdfunding. This campaign exceeded all expectations and a new record was set on the Crowdcube site. A total of 7.2 million euros was raised. This is the largest amount ever raised in continental Europe.

This confirms that many people believe in the company and see great potential. With this money, the p2p platform wants to grow further and develop new products. These are for example:

  • a license as an electronic financial institution
  • Growth to investors through marketing
  • Broader range of loans – including in the low interest/risk area
  • New products like ETF or a Mintos credit card


Mintos is not without reason the market leader among p2p operators in Europe. They have been growing tremendously over the last few years. Although this peer-to-peer platform was only founded in 2015, they are now the largest marketplace in Europe by a very large margin.

This has happened for a reason. On the one hand, they have created a platform that appeals to the investor. There are many ways to invest money, whether through predefined scenarios or manually. In addition, you can also sell your loans on the secondary market relatively quickly. You can easily choose one of the 3 scenarios, or you can make all your settings yourself.

In addition, there are over 60 credit companies and the loans are granted in very many countries. This facilitates a wide spread of loans. In addition, there are nine different types of loans on this platform. Another plus is that your investments are made very quickly. All this coupled with the high returns leaves almost nothing to be desired.

If you have further interest in p2p loans, then I can recommend them the following articles:

Frequently asked questions

What is my personal return on investment with Mintos?

What is the achievable return?

How safe is my money?

How much of my assets should I invest in peer-to-peer lending?

Attention – p2p loans have a high risk!
Please be aware that loans might not be repaid and you may lose your investment. Even any guarantees cannot fully protect you if the borrower or the platform is insolvent.

GELVOS was created with the idea of how to implement “earn money without stress” and for this I would like to give you our experience again. All articles on this page are divided into these sections: make. save. invest. live. If you don’t want to miss anything, subscribe to our free newsletter and get a big step closer to your goals!

This article is not an investment advice, it is only our personal opinion. We report here only on our personal experiences and findings as private investors. Thus, my texts serve solely to impart knowledge and do not constitute an invitation to buy or sell investment products. For further information please refer to the disclaimer.

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