Mintos: Quick Review

Mintos Cover @ Savings4Freedom

Mintos: Quick Platform Review

Last update (01.01.2020)

I started my investments at Mintos in May 2018. Mintos is a great choice for a new P2P lending investor. Mintos is the most well know European P2P lending platform. The huge volume of loans ensures that you are always able to find loans matching your particular investment preferences. 

Mintos offers dozens of different loan originators for you to work with. Some of them offer the standard buyback guarantee in the industry: it’s essentially a promise from the loan originator, that if a borrower fails to make repayments for 60 days, the loan originator will step in and give you back the invested principal + interest earned for the period you held the loan, including the 60 overdue days. 

I really like Mintos and how it works. I have full control over my loans, no problems to manage and diversify and all listed loans have been already issued by the Loan Originators.

In case you employ my referral link to invest in Mintos you earn 0.5% on all investments over the first 90 days in cashback.
Check this page for additional bónus and promotions.

I reduced my Mintos position in 2019. Learn why in the image below.

Why I'm reducing my consumer P2P lending on Mintos Robocash and Viventor @ Savings4Freedom

Mintos Account Update

Investment Start Date: May 2018

Total Deposits: -1.260,99€ (Dec 2019)
This means that currently, I’m only investing interest in the platform, having already withdrawn this value from the platform returns.

Asset Value: 561,40€ (Dec 2019)

Creating a Mintos investor account is very easy and the first investment can be made in a straightforward manner. The website is among the best in the industry even if the returns are going down due to a higher number of investors active in the platform. 

Analysis TopicPersonal Take
Type of Loans @ Savings4Freedom

Type of Loans Available

Consumer | Business | Real Estate
Interest Rate @ Savings4Freedom

Average Interest Rate 

Buyback guarantee @ Savings4Freedom

Buyback / Secured Loans

Yes & No (depends on Loan Originator)
Early Exit @ Savings4Freedom

Early Exit / Secondary Market

Autoinvest Feature @ Savings4Freedom

Auto Invest Feature

Control over loans @ Savings4Freedom

Control over Loans Invested

Yes, you choose
Money Drag @ Savings4Freedom

Money Drag

Hidden Fees @ Savings4Freedom

Hidden Fees

Loan Duration @ Savings4Freedom

Loan Duration

1 month to multiple years
Report Quality @ Savings4Freedom

Reporting Tool

High Quality
User Experience @ Savings4Freedom

User Experience

High Quality
Sign up bonus @ Savings4Freedom

Sign-up Bonus

In case you employ my referral link to invest in Mintos you earn 0.5% on all investments over the first 90 days in cashback.
Evaluation @ Savings4Freedom

Overall Evaluation


My Mintos Account

Mintos Account @ Savings4Freedom

Mintos Income Graph

Mintos Asset Value Graph

Mintos Assets @ Savings4Freedom

Do you want to Invest?

Check among the P2P crowdlending opportunities available on Savings4Freedom, always taking into consideration that all information is entirely based on my personal experience.

Investe @ Savings4Freedom

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