Many of the best British and European peer to peer platforms offer sign up bonuses and cashback offers. Below is a list of some of the best sign up offers currently available. We will regularly update this page so make sure to check it regularly.
Participating in the deals below helps to support our site, helps boost your returns, and guarantees that Santa Claus will visit you on Christmas day.
Mintos is the largest P2P platform operating in Continental Europe. It is also one of the best. Mintos offers loans from more than 20 different lenders and most offer interest rates higher than 10%. There is also a very active secondary market that can offer good opportunities. New investors can receive a 1% bonus on all funds invested within 3 months of their account being opened. To take advantage of this offer, visit Mintos using this link and you will automatically qualify. This offer is not available direct from Mintos, please make sure you use the link to qualify.
Once you have opened your account, Mintos is offering investors an opportunity to earn 2-5% extra just by investing in loans that have longer maturities (2-5 years). We think this is a great offer and that the takeup will be high. Full details provided on the Mintos site once you open an account.
Bridgecrowd is one of our highest rated British platform. It is targeted at investors with larger sums to invest. Bridgecrowd offers returns of around 12% per annum, secured against British real estate. For more details simply contact us at email@example.com. This offer is not available direct from Bridgecrowd, and is exclusive to Explore P2P.
Kuflink offers investors loans secured against British real estate. Returns are typically 4 -7%. Kuflink's co-investment in each loan acts to reduce the risk for lenders, making this an attractive option for investors looking for lower risk opportunities, but with reasonable rates. Investors can earn a 2.5% bonus on their first investment when they open an account using this link.
ISAs allow British taxpayers to invest and generate income that is free from taxes. We are not fans of many of the ISA's currently offered by the British P2P platforms. Too often the ISAs have big fees, and less attractive yields than the standard P2P accounts. We think Property Crowd has one of the best ISA products out there currently. They also offer secured loans with typical yields of 10-13%. Combine this with this 2% limited time cashback offer, and that is a potential mid-teens tax free return for British investors. Not bad at all.
Landbay specialises in mortgage loans to buy-to-let investors. Landbay's provision fund and lower LTV loans make this platform particularly suitable for investors looking for steady returns and less risk. Investors can earn a £50 bonus by investing a minimum of £1,000 for 12 months, or £5,000 if investing through the new Landbay ISA. To take advantage of this offer, visit Landbay using the link provided and you will automatically qualify.
Estateguru offers investors loans secured by real estate in Latvia, Lithuania and Estonia. LTVs are lower than for similar loans in Western Europe and interest rates are attractive - typically 10-12%. The quality of information provided about each loan is extremely goo. New investors can receive a 0.5% bonus on all funds invested within 3 months of the account being opened. To take advantage of this offer, visit EstateGuru using this link and you will automatically qualify. This has been one of the most popular offers on our site.
Lendy is a large platform that specialises in British loans secured by real estate. Interest rates are typically 7-12%. Lendy has good dealflow with over £10 million of loans listed on the platform each month. LTVs are conservative - from 35% to 70%. We think that the returns relative to risk are attractive, and explains why so many investors have been opening accounts with them recently. Lendy is offering a £50 bonus for investors who invest a minimum of £1,000 for 3 months. That equates to an annualised return of 20% just from the bonus! To qualify, simply open an account using the link provided and you will automatically qualify.
Ratesetter is one of the largest P2P investing sites in Europe. Investors can choose from a short term 'rolling' product, or longer term products that offer higher interest rates. Interest rates available have been increasing recently, and currently range from 3 to 6%. Ratesetter is offering new investors an opportunity to earn up to 2% extra in their first year. They will pay investors a £100 bonus for all investors who invest a minimum of £5,000 for 12 months. To earn the bonus, visit Ratesetter using this link, open an account, and £100 will be paid into your account automatically at the end of the 12 month period.
Can you read a balance sheet? Can you wrap your arms around a P&L statement? Do you feel lucky..? In that case LendingCrowd may be a perfect option. This is what we consider 'pure' P2P investing. Read about a company, analyse their financials, review the ratings, and take your pick. Interest rates are quite high - generally 7 to 12%, and the Lending Crowd lending track record has been very good to date. This is not a site we would recommend to our Auntie Doris, but for investors who are willing to spend some time reviewing the loans and use their analytical skills, it is rewarding. Two offers are currently running - earn a £50 bonus for investments over £2,000, or £200 for investments over £5,000. Must use the links on this website to qualify. Offers end 3 January 2018
Flender is a relatively new Irish peer to peer lending platform. It provides loans to small and medium enterprises. Interest rates are typically around 10%. We have recently published an interview with the Flender CEO here. Flender is keen to grow and to encourage new investors it is offering a 10% bonus for investors who invest more than €2,500. Please contact us if you would like any further details. To qualify, open an account using the link provided and you will automatically qualify.
We believe it is important to have a geographically diversified P2P portfolio. We think for example that most UK investors should allocate some capital to European platforms, and vice versa. Currencyfair can facilitate these FX conversions and money transfers extremely efficiently and with very tight spreads. Currencyfair is also useful for making vacation payments and any other payment outside your home banking system. Currencyfair are offering a €30 sign up bonus, and a fee free transaction for new customers converting at least €2,000 or equivalent. To take advantage of this offer, go to Currencyfair using the link provided and you will automatically qualify.
Funding Secure is a British platform that offers some unique types of loans. They offer loans secured on assets such as vintage cars, yachts, and jewellery. The assets are held in custody by Funding Secure. LTVs are capped at 70%. Funding Secure also offers loans secured by real estate. Investors can earn a £25 bonus by investing a minimum of £1,000. To take advantage of this offer, email us at firstname.lastname@example.org and we will arrange for Funding Secure to send you further details. This offer is not available direct from Funding Secure.
Lendix is one of the largest European platforms and their loans can provide good diversification to a portfolio. Lendix focuses on SME loans in France, although it has recently expanded into Spain and Italy. The site is available in English, however not all of the information on each loan has been translated. Interest rates are typically around 7-8% and there is strong demand for the loans. A €20 bonus is available when investing a minimum of €500 when using this link. That's an extra return of up to 4% in the first year. To take advantage of this offer, visit Lendix using the link provided and you will automatically qualify.