P2P lending remains unknown for many investors, which is why many initially hesitate to sign up and invest their money.
P2P cashback bonuses are used in P2P lending as an incentive that helps acquire new investors while giving them an additional investment boost.
New P2P lending investors can earn a 0.5% - 1% cashback bonus, depending on the platform.
The cashback bonus is usually paid out either:
- Right after the registration
- After your first investment
- After 90 days of registration
We at P2P Empire list the latest cashback bonuses that give investors the most incredible investment boost. Many cashback promotions are exclusive so you won’t find them on any other website.
Best P2P Lending Cashback Offers
Here is the complete list of the cashback offers currently available on European P2P lending platforms in 2023 and when investors can expect to receive their bonuses.
|P2P Platform||Cashback Bonus||Cashback Term|
|Max Crowdfund||0.5%||90 days|
|Ledn||$10||After your investment|
|InRento||€20||After your investment|
|Bondster||1%||30, 60, 90 days|
|Debitum Network||€10||After your first investment|
|Twino||€20||After your first investment of €100|
|Reinvest24||€10||After your first investment|
|NEO Finance||€10||After your first investment|
|Rendity||€25||After your first investment|
|IUVO||0.75% up to €150||60 days|
|Yield App||100 YLD - 1,000 YLD||After you deposit $1000 for 30 days|
When joining the P2P lending platforms mentioned in the list above, there’s no need to use a referral/promo code, simply sign up with our referral link, and you’ll be automatically eligible for the cashback bonus.
Monthly Promo Codes
Many investors often ask us whether P2P lending sites not on the above list also offer promo and cashback offers. The answer is yes! Some of the platforms have promotions in the form of monthly cashback offers.
Some platforms will offer monthly cashback campaigns for all registered investors.
By participating in those campaigns, investors typically increase their returns by 1%. We regularly add new content to our site, so watch this space for a dedicated section detailing these monthly cashback offers for all investors.
How To Redeem The Cashback Bonus
To obtain your P2P lending cashback bonus, you must complete your registration and read and sign the cashback offer's terms and conditions.
It’s worth noting that:
- In most cases, you must deposit money and invest on the site to obtain your cashback bonus.
- Most of the European P2P lending platforms are available for investors both within and outside of Europe; however, the only requirement is that you often need to deposit money from a European bank account that you’ve opened in your name.
- Want to get started from outside of Europe? We suggest opening a digital bank account with N26 or a borderless account with Wise in euros, as most investment opportunities are listed in euros.
The terms and conditions differ for each platform; however, you can find essential information in our table above.
To get more details about a specific cashback offer, find the review of the platform you’re interested in and refer to the promo section.
Most P2P bonus offers target European investors. If you reside outside of Europe or in the U.S., you might not be eligible to receive a bonus. We recommend reviewing our independent platform reviews, where you can find out whether you can register and earn a yield on a dedicated platform.
Three different types of cashback offers:
1. Sign-Up Bonus
The sign-up bonus rewards the new investor with money as soon as they sign up. This type of bonus is sporadic; most platforms require investors to deposit money and invest in obtaining the reward.
Bondora is the only platform that gives new investors a €5 bonus without depositing money.
2. Investment Bonus
The P2P lending investment bonus is more common than the sign-up bonus. With this type of cashback, new investors that invest the required amount of money on a particular P2P lending platform will receive a bonus of €10 - €25.
The minimum investment amount needed to obtain the bonus varies, depending on the platform, but you can expect this value to be at least €50. On Rendity, the minimum investment amount is €500.
The most popular cashback offer amongst European P2P lending platforms is a time-span bonus.
Here’s how it works: new investors receive a cashback bonus calculated from the average investment amount during a given period, usually 90 days.
Investors typically receive a cashback bonus of 0.5% - 1%, which is paid out either after 90 days or in installments - every 30 days within 90 days.
3. Loyalty Bonus
A loyalty bonus, or the ‘VIP bonus’ as it is sometimes referred to, does exactly what it says on the tin - it rewards the most loyal or ‘active’ investors, who invest more significant sums of money.
Currently, there are only four platforms that offer this type of reward:
We list more about the above bonuses in our dedicated section about cashback offers for all investors.
Some platforms also offer monthly cashback campaigns where all investors can participate. By investing in certain assets (loans), you can typically increase your investments by 1% - 2%.
These bonuses are usually only available for a limited period, with offers expiring after the campaign. Platforms like Lendermarket, IUVO, and Mintos often offer promo campaigns.
What To Do Before Using a Cashback Offer
P2P lending cashback offers are great, but they should not be the only incentive for new investors considering using a P2P lending site.
If you are new to P2P lending, we suggest reading our in-depth tutorials within our P2P lending academy to fully understand the concept of P2P lending.
Before signing up to any sites for cashback offers, complete this nifty list:
Disclaimer: At P2P Empire, we’re all about transparency, which is why we think it’s essential that you know that if you use our referral links, we will get a small commission that helps cover the cost of our project.
What do we do with this money?
We invest it in our site and, ultimately, you!
We use the money to create more valuable investment content that you have free access to.
Our goal is to become the best resource for information about P2P lending in Europe, and we appreciate everyone who supports our initiative.
Additionally, the more content we have, the more bonuses we can secure and share!
These bonuses are exclusive to our site, meaning you’ll unlikely find them elsewhere!
Does that sound good to you?
Sign up on one of the famous P2P lending platforms that fit your needs and start earning passive income.