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Mintos is a European peer-to-peer lending marketplace that connects retail investors with loan originators across multiple countries. The platform offers fractional loan investing, an Auto‑Invest tool, and a secondary market to buy or sell loan parts for greater portfolio flexibility.

Founded2015

Best forRetail investors seeking peer-to-peer loan investments

Price range–

Highlights

🌍Wide loan selectionAggregates consumer, auto, business and invoice loans from dozens of independent loan originators across multiple European markets, letting investors diversify by country and loan type.

⚙️Auto‑Invest toolsCustomizable Auto‑Invest templates and filters let you automate purchases by rate, term, country and originator rating to build a set‑and‑monitor portfolio.

💱Secondary market accessA secondary market allows buying and selling of existing loan parts to adjust liquidity or exit positions earlier than loan maturity, subject to market demand.

Details

How it works

Mintos aggregates consumer, auto and business loans from independent loan originators across Europe. Investors buy fractional loan parts, so a single investment can be spread across many borrowers and originators. Loans list with tenor, interest rate and a loan originator rating. The platform operates a primary market for new loan parts and a secondary market where investors can trade existing positions to adjust liquidity.

Investment tools

Mintos provides tools to build and manage a diversified portfolio: manual purchases, an Auto-Invest feature with customizable rules, and a statistics dashboard showing historical returns and originator performance. Investors can set filters by country, loan type, interest rate and term. The secondary market lets you list loan parts for sale, offering a way to exit positions early though liquidity varies by loan and market conditions.

Account and safety

Creating an account requires online registration and identity verification (KYC). You fund your Mintos account via bank transfer in supported currencies; funds are then invested into loan parts rather than held as bank deposits. Mintos publishes loan originator information and performance metrics, but investments are not covered by deposit insurance. Understand platform and originator risk, diversify across many loans, and use available analytics before committing capital.

Verdict

What we like

Large pool of loan originators and loan types for diversification
Customizable Auto‑Invest and portfolio tracking tools
Secondary market for additional liquidity
Transparent originator data and performance metrics

Worth knowing

Invested capital is at risk — loans can default
Not a bank: investments are not covered by deposit insurance
Platform and originator risk require active monitoring and diversification

FAQ

Who can open a Mintos account?

Anyone who meets Mintos' KYC requirements can register. Account opening is online and requires identity verification. Availability may vary by country — check Mintos' site for current eligibility details.

How long do withdrawals take?

Withdrawals by bank transfer typically follow your bank's SEPA timing (often 1–3 business days). If funds are tied up in loan parts, you may need to sell them on the secondary market first, which can take longer depending on demand.

Are there fees or discounts?

Mintos publishes a fee schedule for platform services. There is generally no management fee on invested capital, but certain actions (for example selling on the secondary market) may carry fees or spreads. Check Mintos' fees page for current details and any promotional offers.