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 ensure it doesn’t rain during your summer vacation*.
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 8-12% 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 £500. We think that this is one of the best offers available at the moment.
Growth Street offers a fairly simple product to investors. Investors earn a return of 5.3% currently, with investments spread across more than 100 loans to British businesses. A provision fund exists which covers losses from any defaults, and funds can be withdrawn with 30 days notice. Our full review is available here. Investors can earn a £200 bonus on their first investment when they open an account using this link. The minimum investment to qualify for this offer is £5000 for a 12 month period. This bonus is one of the largest available currently, and gives investors an up to 4% boost to their first year returns.
British Pearl offers investors something a little different. It is an asset manager that selects, purchases, and manages British properties that have good investment prospects. It then offers investors a choice of two products – a loan secured one of the properties, or an equity investment in the property. We recently interviewed the CEO of British Pearl, who gave us some interesting insights into the investment profile of their products. British Pearl is currently offering a 1% bonus for loan investments, and a 2% bonus for equity investments made prior to 30 September 2018. The bonus is available for investments made between £2,000 and £20,000. British Pearl offers British investors tax efficient ISA products, which would generate an expected 5.4% yield in the first year, which is competitive given the low risk profile. To earn the bonus, simply visit British Pearl and open an account using this link.
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 10% extra in their first year. They will pay investors a £100 bonus for all investors who invest a minimum of £1,000 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. Ratesetter currently only accepts UK residents as investors.
Funding Circle is the largest P2P investment site, with operations in the UK and USA. It has a long and consistent track record lending to small and medium sized businesses. Their investors expect to earn around 6-7% after defaults. Funding Circle rarely run promotions, but it is currently offering new investors a £50 gift card valid at Amazon.co.uk. Investors must open a classic or ISA account and invest a minimum of £2,000 for 3 months to qualify. Click on the link for full details of the offer.
Property Crowd is a UK P2P site open to sophisticated and ‘High Net Worth’ investors. We think it is a solid site and recently interviewed their CEO. Property Crowd offers investments that are structured as zero coupon bonds, secured against British development projects. Returns are high – between 10-13% currently. We like their new bonus offer as it offers also helps to support a great cause. New investors who purchase at least 10 bonds (approximately £950) qualify for a £50 credit to their account. In addition, Property Crowd will donate £50 to the Children With Cancer Foundation. To qualify for this bonus, visit Property Crowd and enter code ADR-WAT-754 during the registration process. This code MUST be used to qualify for the bonus and to support the charity. Offer ends 31 December 2018.
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 9-12%. 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. 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 bonus offer, visit EstateGuru using this link and you will automatically qualify. This is currently one of the most popular offers on our site.
NEO Finance is the P2P investment arm of the Lithuanian lender Paskolu Klubas. The platform has been operating since 2016 and holds authorisations from the Bank of Lithuania. We’ve been impressed by the responses provided by management to our questions, and the quality and transparency of their external reporting is well above average (see latest report here). NEO Finance offers traditional personal loans with typical rates of around 18% and terms of 48 months. The platform will buyback defaulted loans at their expected future recovery level which is between 50-80% of outstanding balance. NEO Finance guides investors to expect net returns of between 11 to 15% after defaults. They are offering a €40 bonus for new investors who open an account and invest a minimum of €150 using this link. This is a generous offer relative to the minimum investment required, and is a good opportunity to test out a new platform that offers strong potential returns.
Flender provides loans to small businesses in Ireland. It has been operating for 18 months now, but still remains fairly small. Last year we interviewed their CEO. Interest rates are usually around 10%. Most businesses that Flender lends to are successful businesses in need of growth finance. New investors receive a 0.5% cashback bonus on funds invested within 30 days of opening an account.
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.
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).
Lendy is a large platform that specialises in British loans secured by real estate. Interest rates are typically 7-12%. Lendy is one of the largest British P2P sites currently. LTVs are typically in the region of 35% to 70%. However, loan performance has been mixed over the last 12-18 months, and we think it is very important to be very selective about which loans to participate in. If you decide that you would like to trial the site, Lendy is currently offering a £50 bonus for investors who invest a minimum of £1,000 for 3 months. If you open an account using the link provided 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 now available in French, Italian and English languages.Interest rates are typically around 4 – 9% 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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