Mintos Review

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Mintos Review

Investors [07.2019] Investments [07.2019] Founded Country
mintos investors162’530 mintos investments€ 2’868 M mintos creation date2014 latvia flagLatvia
Mintos is a crowdlending platform where you invest in consumer and business loans across Worldwide countries. It is between the biggest European platforms (see numbers above). You will lend money in exchange for monthly interests. When selecting an investment, generic information are provided such as loan details (e.g. ROI, term, amount). Usually, if you invest in short term loans (< 30 days) interests are provided at end of the investment term and if you invest on long term loans (multiple months) you will receive interests and part of your invested amount (principal amount) every month.


We advise investing in Mintos since it has a strong track record: Mintos is one of the biggest crowdlending platforms in Europe and it was built in 2014. Its track history makes it potentially a safer platform than other European ones. The interest rates are reasonable even though they aren’t the highest you can find (maximum rates are 14%, but usually they are about 11%). A good characteristic it that you can find a lot of investment loans with a BuyBack guarantee. Finally, the greatest feature of Mintos is its high configurable auto-investment tool. This platform has no real downsides but it’s not the platform with the highest rates of return.

Pros & Cons

Pros Cons
+ Large platform (good track record)
+ Short term investments (from 1 days)
+ Super configurable auto-invest
+ Multi-currency investments (10)
+ Buyback guarantee on many loans (60 days)
– Returns slightly below average (11%)

Investment details

Investment currencies EUR, USD, GBP, CZK, DKK, GEL, KZT, PLN, RUB, SEK
Return on investment (ROI) 11% rank 3/5
Minimum investment € 10 rank 4/5
Investment period 1 day – 72 months rank 5/5
Default rate 0.1% rank 4/5
Investment fees 0% rank 5/5
BuyBack guarantee Yes buyback guarantee
Auto-invest Yes check
Secondary market Yes check
 Trustpilot Score (Safety) 8.2/10  

Investment types

consumer loansPersonal loans business loansBusiness loans

Investment example

mintos investment example

Investment result forecast

Below you will find the resulting forecast when investing using Mintos compared to investing the same amount in the US stock market (US stock market: 6% average yearly growth in the last 30 years).

By investing €1’000 using Mintos for 15 years you might end up with €4’785 (€2’388 more than with the stock market).

Welcome bonus – affiliate/referral link

You can register to Mintos by clicking the button below. It will be highly appreciated. Thanks!

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BONUS = 1% of your invested amount during the first 90 days after signup (paid at 30, 60 and 90 days)

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