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Mintos Alternatives

Learn how to to diversify your P2P lending portfolio across legitimate P2P lending sites.


The 10 Best Mintos Alternatives

With more than 250,000 investors, Mintos is without a doubt the largest and most popular peer-to-peer (P2P) lending site in Europe. But, as your portfolio grows, you might want to look into platforms other than Mintos that will help you diversify your investments.

And who better to advise you than the P2P Empire team? We’ve been investing on various P2P lending sites since 2017, which has given us enough time to find out which platforms are the best. In this article, you’ll learn about 2020’s best Mintos alternatives.

But, before we get started on our favourite Mintos alternatives, let’s have a closer look at why you should be thinking about finding one…

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Why Find an Alternative to Mintos?

Every P2P investor has different preferences when it comes to P2P lending platforms, so it’s important to determine why you want to invest on a different P2P platform in the first place. Most likely, you’re hoping to diversify your portfolio to lower your risk and secure your yields, but there are many other reasons you could be choosing to find a Mintos alternative.

We’ve listed a few reasons below:

  • They follow a different business model to a platform you’re currently investing on
  • They list different loan types to your current platform
  • It will bring you higher yields than your current platform does
  • It has a greater availability of loans, and is less likely to fall victim to cash drag
  • It offers good cashback bonuses for new and loyal investors
  • It offers better liquidity
  • It has greater protection over your investments

Mintos in Short

Mintos is a leading peer-to-peer lending platform in Europe. With over 290,000 investors it’s also the largest P2P lending marketplace. The platform offers investment opportunities in short-term and person loans with annual average yield around 11%. Mintos offers the widest diversification options on the market. You can start investing from only €10 and your investments are secured by a 60-day buyback guarantee.

Best Mintos Alternatives

Okay, without further ado, let’s have a look at these Mintos alternatives, then!

Mintos AlternativesAverage InterestProtectionInvestment Type
EstateGuru11.8%MortgageReal Estate
PeerBerry13.78%Buyback GuaranteeShort-Term
Crowdestate17.26%MortgageReal Estate
Bondster12.51%Buyback GuaranteeConsumer
Bondora G&G6.75%UnsecuredConsumer
Swaper12%Buyback GuaranteeShort-Term
Viventor13.2%Buyback GuaranteeConsumer
Crowdestor15.10%Pledge, Buyback FundBusiness
Reinvest2414.6%MortgageReal Estate
EvoEstate16.32%MortgageReal Estate

1. EstateGuru

estateguru

EstateGuru in Short:

  • Property-backed P2P loans
  • Excellent risk assessment
  • 95% secured by a 1st rank mortgage
  • €0 loss of investors’ money

Why is EstateGuru a Good Mintos Alternative?

EstateGuru is an Estonian P2P lending platform that lists property-backed loans. Unlike Mintos, EstateGuru’s protection is strong as investments are secured by mortgages.

EstateGuru collaborates directly with developers rather than loan originators. Since EstateGuru’s 2014 inception, not a single investor has ever lost a euro, which is an encouraging stat! And equally encouraging: EstateGuru currently has over 43,000 investors with an average portfolio size of €4,087.

Ready to diversify your portfolio?

Or check out our comprehensive EstateGuru review

2. PeerBerry

peerberry

PeerBerry in Short:

  • High availability of loans
  • Automate your portfolio with their auto invest tool
  • High liquidity due to short-term loans
  • Responsive support

Why is PeerBerry a Good Mintos Alternative?

Founded in 2017, this Latvian platform is a marketplace for P2P loans, which makes it very similar to Mintos. PeerBerry lists loans from 17 different loan originators.

The platform offers loan terms up to 60 months, however, we only use it for short-term investments. With no cash drag and the minimum investment amount of only €10, PeerBerry is a suitable alternative to Mintos.

PeerBerry investments are also protected by the 60-day buyback guarantee. The difference between Mintos and PeerBerry is that all the loan originators on PeerBerry also pay the accrued interest for delayed payments, which isn’t always the case with Mintos.

Pretty impressive, huh?

Or, read more about this platform in our comprehensive PeerBerry review

3. Crowdestate

crowdestate

Crowdestate in Short:

  • Invest property-backed loans
  • Minimum investment from €100
  • LTV always below 75%
  • od ratio between returns and risk

Why is Crowdestate a Good Mintos Alternative?

The main difference between Crowdestate and Mintos is the type of loan they offer: Crowdestate lists real estate loans while Mintos deals in short-term and consumer loans.

Crowdestate offers, on average, a higher interest than Mintos. Additionally Crowdestate's loans are secured by a mortgage which is more valuable than any buyback guarantee. Crowdestate was founded in 2014 and is today arguably one of the best real estate P2P lending sites platform in Europe. The platform has currently more than 43,000 investors.

Like the sound of this P2P platform?

Or, read more about this platform in our Crowdestate review

4. Bondster

bondster

Bondster in Short:

  • Invest in consumer and business loans
  • Minimum investment from €5
  • High yields of up to 15%
  • Investments are secured by a buyback guarantee

Why is Bondster a Good Mintos Alternative?

Bondster is a rather new but promising P2P lending platform with a similar business model to Mintos’s. This platform is suitable for investors who are looking to diversify their portfolio outside of the Baltic region.

Bondster is a Czech P2P lending platform that offers short-term loans from 23 different originators. Users’ investments are secured by a buyback guarantee, however, there is no secondary market at the moment. The platform currently has more than 8,700 investors with an average portfolio size around €5,000. When comparing the two sites, you can see that Bondster users can also diversify across loan originators that don’t list loans on Mintos.

Like this Mintos Alternative?

Or, head over and read our brilliant Bondster review to find out more about this platform

5. Bondora

bondora

Bondora in Short:

  • Invest in Bondora’s self-originated loans
  • Intuitive investment products
  • Available in 23 languages
  • Excellent liquidity

Why is Bondora a Good Mintos Alternative?

Bondora is the second-largest P2P lending platform in Europe, which is an obvious reason for it to be a logical alternative to Mintos.

The truth is, however, that Bondora and Mintos offer very different products. While Mintos lists its originators’ loans, Bondora is a loan originator itself. Bondora was founded in 2008 which makes it one of the oldest European P2P platforms.

Note that Bondara investors fund unsecured consumer loans. The platform does not offer any buyback guarantee like Mintos.

Ready to Go & Grow with Bondora?

Or, read our detailed Bondora review to find out more differences between the sites, including Bondora’s brilliant Go & Grow tool to find out more about this platform

6. Swaper

swaper

Swaper in Short:

  • Protected by a 30-day buyback guarantee
  • Multi-currency support
  • 12% fixed interest rate
  • iOS and Android app

Why is Swaper a Good Mintos Alternative?

Swaper, like Mintos, is an Estonian P2P lending platform, but the similarities between the two platforms stop there.

Swaper lists loans with a fixed interest of 12% per year. The returns on Mintos are dependent on many factors such as the availability of loans, the loan originator and the loan type. With Swaper, you are instantly made aware of how much money you’re able to generate with your investment amount.

Additionally, your Swaper investments are protected by a 30-day buyback guarantee which is superior to Mintos’s protection scheme. Like Bondora, Swaper also acts as the loan originator.

Keen to swipe right for Swaper?

Or, see our Swaper review to keep reading about this platform

7. Viventor

viventor

Viventor in Short:

  • Invest in loans from seven loan originators
  • Backed by a 30-, 60- or 90-day buyback guarantee
  • Earn up to 16% per annum
  • Save time with the auto invest tool

Why is Viventor a Good Mintos Alternative?

Viventor is a good Mintos alternative, for it offers different loans from loan originators that aren’t listed on Mintos. Your investments on Viventor are also secured by a buyback guarantee. On Viventor you are also mostly funding consumer loans with loan terms of 1-84 months. Currently, the platform has over 7,600 investors with an average portfolio size of €4,279.

Sounds good, right?

Or, read more on this platform with our comprehensive Viventor review.

8. Crowdestor

crowdestor

Crowdestor in Short:

  • Invest in P2B loans secured by a personal guarantee
  • Minimum investment from €50
  • Buyback fund for increased security
  • Secured by additional commercial pledge

Why is Crowdestor a Good Mintos Alternative?

Crowdestor offers very different loan types to those on Mintos, which makes it a suitable alternative. The platform lists business loans, secured by a commercial pledge and personal guarantee of the borrower.

Crowdestor’s features are very different from Mintos’s, for example, at present, the platform doesn’t have an auto invest tool, which means users need to select investments manually.

Crowdestor does, however, have its benefits, and these come in the form of much higher returns, which can increase users’ yields. If you decide to use Crowdestor as a Mintos alternative, we suggest investing only a portion of your P2P portfolio as the risk is significantly higher than it is on Mintos.

Ready to get risky?

Or, read more on this platform with our comprehensive Crowdestor review.

9. Reinvest24

reinvest24

Reinvest24 in Short:

  • Invest in rental properties
  • Minimum investment from €100
  • Lower risk and stable cash flow
  • Increase your platform diversification

Why is Reinvest24 a Good Mintos Alternative?

Reinvest24 is very different to Mintos; for one, instead of funding loans, Reinvest24 users fund rental properties. This works as investors collectively buy a rental property and earn the rental income.

The property usually increases in value over time, which ultimately raises the yield from your investments. Reinvest24 is a great alternative to Mintos as the platform offers a fundamentally different investment type which is also secured by a first-rank mortgage.

Ready to try a new strategy?

Alternatively, keep reading about this platform in our comprehensive Reinvest24 review.

10. EvoEstate

evoestate

EvoEstate in Short:

  • Invest in real estate
  • Diversify across 20 platforms
  • Free auto invest cancelation
  • Great liquidity

Why is EvoEstate a Good Mintos Alternative?

Want to diversify your P2P portfolio on various real estate platforms? You can do so by using EvoEstate, an aggregator for real estate platforms that currently lists development projects that can be found on another 20 European crowdfunding platforms.

EvoEstate helps diversify your portfolio, minimize cash drag and increase your returns. Another great difference between EvoEstate and Mintos is that the former invests their own money in various real estate projects, while Mintos does not have any “skin in the game”.

Ready to do this?

Or, keep reading about this platform in the comprehensive EvoEstate review.

Final Thoughts on Mintos’s Alternatives

Okay, so we’ve worked out that diversifying your portfolio is a smart move, and we’ve had a brief look at the best Mintos alternatives to help you do this.

If you’re ready to invest, simply sign up using our links above. Alternatively, find out more by reading our in-depth individual reviews, which are specially tailored to help you choose the platform that fits your needs.

Happy investing!

For more articles like this have a look at our P2P lending academy.

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