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, will boost your returns, and will add 2 years to your life*.
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. Mintos is the only investment platform to receive a 5 star rating from Explore P2P. 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
Bridgecrowd is one of our highest rated British platform. It is targeted at investors with larger sums to invest. Investors can purchase loans that are secured by 1st and 2nd lien charges against British real estate (mainly residential). Bridgecrowd offers returns of between 7-11% per annum, which we think offers a very attractive return relative to risk. Bridgecrowd has also received one of our highest site ratings (4.5 stars) and is an extremely popular site currently. Full details can be found here. 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 currently between 3.99 – 7.2%. 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 £100 bonus on their first investment when they open an account using this link. The minimum investment to qualify for this offer is only £200.
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 £5,000 for 12 months in either the classic or Landbay ISA accounts. To take advantage of this offer, visit Landbay using the link provided and you will automatically qualify.
Lending Crowd specialises in providing loans to small and medium sized British businesses. We think that Lending Crowd is particularly suited to more sophisticated investors who enjoy reviewing the financial details of companies and like to select the best opportunities. Lending Crowd has a stated target return for investors of around 8%. Investors can earn a £50 bonus by investing a minimum of £2,000 for 12 months. ISA accounts are available for UK tax payers.
Zlty melon is one of the oldest European P2P investment sites, operating since 2012. They are based in Slovakia and investors can choose from personal loans (typically with interest rates in the mid-teens %) as well as some (2nd lien) mortgage loans. We recently interviewed Jos Henson from their management team. We think Zlty melon provides excellent quality data and has a good and improving lending track record. Zlty melon are offering a 1% bonus for all investments made within 180 days of opening an account, if the account is opened using this special link (cannot be combined with any other offers).
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 good, and lending performance has been strong to date. We have given Estateguru a 4 star rating. For a limited time, new investors can receive a 1% bonus on all funds invested within 3 months of the account being opened. This is double their normal offer of a 0.5% bonus. To take advantage of this bonus offer, visit EstateGuru using this link and you will automatically qualify. This is 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%, although we think it pays to be selective about which loans to participate in. 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 sign up 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.
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 €40 sign up bonus, and a fee free transaction for new customers converting at least €1,000 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 email@example.com 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.
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