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Mintos Platform

Mintos is a Latvia based peer-to-peer lending marketplace that got launched in 2015. The platform is offering investment opportunities in 8 different loan types. Loans are available with 50 different loans originators across 24 countries.

Mintos offers 7 different languages, including English, German and Spanish. It is possible to make deposits on the platform in 9 different currencies. This includes the EUR, GBP, SEK and USD. Loan opportunities are available in 12 different currencies. As a result, this platform is offering a broad variety and choice of investment options.

this platform is offering a broad variety and choice of investment options

Mintos has been the first peer-to-peer lending platform I have invested on. I started with my investments on this platform in October, 2017.

In this blog I am going to share with you my experience with investing on this platform up till today. You should definitively keep reading if you are looking for solid P2P lending platform that is offering attractive yields. Furthermore, Mintos has a website that is easy to use and provides you with a lot of choice and options to adjust your investments as per your needs.


As you can see below, Mintos has experience exponential growth in past few years. As per the date of writing this blog, Mintos had 77,432 registered investors across almost all countries in the world.

Mintos in numbers

Investment methods

The process to invest on the Mintos platorm is relatively easy and not that complicated. Once you have transferred some funds into your account you can choose between either investing your funds manually or you could use the auto-invest option.

You can choose to invest manually or use the auto-invest option

I have chosen myself to use the auto-invest option. This is the most easy way of investing and I recommend to use this method when you do not want to invest too much time in selecting manually loan investments by yourself.

When you decide to go for the auto-invest option, you need to make a few choices to set-up the auto-invest options. I decided myself to use the following options:

  • Loans with interest rates between 10% and 15%
  • Loan terms between 3 months and 36 months
  • EUR 10 investment in each loan
  • To invest only in loans that provide buy-back guarantee

Buy-back guarantee

The option to invest in loans with buy-back guarantee is a very attractive feature that is offered by Mintos to manage the risk of your investments. The buyback guarantee means that if a loan is delayed by more than 60 days, the loan originator will repurchase the investment for the nominal value of the principal and accrued interest till the date of purchase. This happens automatically and it will not require any additional effort from the investors’ side.

Option to invest in loans with buy-back guarantee is a very attractive feature offered by Mintos to manage the risk of your investments

Hence, I would definitively recommend you consider to use this option as well. In general, loans with a buyback guarantee come with a lower interest rate than loans without it. Having said so, you can still build a nice investment portfolio that is yielding between 10% and 15% if you decide to select this option.

My investments

I have currently invested €1,500 on the Mintos P2P platform. My current account balance amounts to €1,592.85. This means that I have achieved a total profit of €92,85 up till today with a net yield of 11.83%.


Based on my experiences so far on this platform, I am very positive about Mintos. This P2P consumer lending platform is offering highly attractive returns combined with a fun and user-friendly website user interface. Overall, mintos is currently one of my favorite peer-to-peer lending platform. I definitively plan to expand my investments further on this platform in future.

Post Author: ECF Investor

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