Introducing our new Mintos Loan Scanner. Find the best Mintos loans quickly

Last updated: 23 March 2020

How to find the best Mintos loans

Mintos currently offers loans from 70 lenders. That’s a lot of choice, which is great, but it can also make it hard to create a portfolio that has the optimal balance of risk and return. The quality of the different lender on Mintos varies dramatically, which also makes loan selection even tougher. For over a year, we have been publishing our Mintos Lender Ratings, to help investors identify which lenders have the strongest credentials, and which are higher risk. This has been a very popular feature, and so today we are launching our new Mintos Loan Scanner. Our Loan Scanner builds on our lender ratings and adds information about current interest rates, and the supply of loans on the primary market, to help investors quickly see what is available across the primary market, and what the best opportunities may be. We plan to regularly update this page as interest rates, lender ratings and loan availability changes.

What are the best Mintos loans available?

The chart below represents the loans available on the Mintos primary market as 23 March 2020. The vertical axis shows the typical interest rate that can be found from each lender. The horizontal axis represents the current rating score for each lender. The size of each bubble represents the availability of loans (low/medium/high).  The most attractive loans are on the top right side of the chart, and the least attractive on the lower left side. The last time we updated this chart was in December 2019. We were talking about the large fall in interest rates, and reduced loan availability. The highest rates available then were around 13%. The chart and tables below show how dramatically things have changed. Rates of up to 25% can now be found. 

As the COVID-19 pandemic progresses, finance companies will be finding funding more difficult to obtain. Clearly some are willing to pay high rates of interest right now to ensure that they maintain sufficient funding levels. 

Mintos loan scanner March 2020

Rates available to investors are by far the highest they have ever been since the platform launched. Obviously these are also the most uncertain times too in terms of economic outlook. The chart above shows returns available, and current interest rates available. In the current environment, we think that choosing quality issuers is more important than ever. If you are considering buying loans from a lender, spend some extra time to get to know their business model, their financial position and how well positioned they are to deal with COVID-19 disruptions over the next months. Can they pay higher funding costs? Are they online, or do they rely on branches? If you can get comfortable with those answers, there are some very high returns available to take advantage of right now.

Mintos Lender Our rating Interest rate Availability?
Acema 66 No
Aforti Holding 50 No
Agrocredit 47 6% Yes
Akulaku 57 10.0% Yes
Alex Credit 41 17.5% Yes
Alfakredyt 45 15.0% Yes
BB Finance / EGE 55 7.5% Yes
Capital Service 53 20.1% Yes
Capitalia 36 No
Cash Credit 53 21.0% Yes
Cashwagon 42 25.0% Yes
Cream 67 12.5% Yes
Credilikeme 18 No
Credissimo 80 12.3% Yes
Credit Star 79 No
Creditter 25 18.0% Yes
Credius 68 No
DanaRupiah 24 No
Debifo 32 No
DelfinGroup 77 16.0% Yes
Dineo 60 11.0% Yes
Dinerito 53 11.0% Yes
Dozarplati 61 25.0% Yes
DZIESIĄTKA 62 11.0% Yes
E-cash 26 22.0% Yes
EcoFinance 47 15.0% Yes
Esto 60 12.0% Yes
Everest Finanse 69 14.0% Yes
Evergreen 51 15.0% Yes
ExpressCredit 22 19% Yes
Extra Finance 52 No
Finitera (Kredo, Albania) 23 19.0% Yes
Finitera (Tigo, Macedonia) 13 19.0% Yes
Finko Group 72 20.0% Yes
FIREOF 43 No
Get bucks / My bucks 23 No
GFM 41 9.0% Yes
Hipocredit 32 8.0% Yes
ID Finance Mexico 8 10.0% Yes
ID Finance Spain 39 13.0% Yes
IDF Eurasia 78 12.0% Yes
ITF Group 50 No
iute credit 77 15.5% Yes
Julo 47 13.5% Yes
Kredit Pintar 66 15.0% Yes
Kredit24 32 No
Kviku 57 14.1% Yes
LF Tech 66 No
Lime loans 62 20.0% Yes
Mikro Capital 47 10.0% Yes
Mogo 79 20.0% Yes
Moneda 20 20.0% Yes
Monego 34 No
Mozipo Group 36 17% Yes
Mwananchi 54 No
Nexus 45 No
Novaloans 51 12.0% Yes
Pinjam Yuk 41 No
Placet Group 71 10.0% Yes
Rapicredit 28 No
Rapido 16 No
Revo Technology 65 No
SOS Credit 46 25.0% Yes
Stikcredit 53 25.0% Yes
Sun Finance (Bino, Latvia) 28 20.0% Yes
Sun Finance (Dineria, Mexico) 12 18.0% Yes
Sun Finance (Kuki.pl) 22 20.0% Yes
Sun Finance (Simbo, Denmark) 30 20.0% Yes
Sun Finance (Tengo, Kaz.) 13 20.0% Yes
Sun Finance Vietnam 7 16.5% Yes
Swiss Capital 40 No
TasCredit 52 12.0% Yes
Watu credit 61 18.1% Yes
Wowwo 70 12.5% Yes
Zenka 41 23.0% Yes

Check out loans available on other sites

EstateGuru logo

EstateGuru is an excellent site that offers loans secured on real estate. Rates are high - around 11%. Currently mainly focused on the Baltic region of Europe but with plans to expand into other countries.

Lemdermarket logo

Lendermarket is a new site that has been setup by Creditstar. Creditstar has been one of our highest rated lenders on Mintos for a long time. Rates are 14% which we think is good relative to the quality of the lending group providing the buyback guarantee.

Viventor logo

Viventor is a similar site to Mintos, just smaller. Some secured loans are available. There are multiple lenders listed on the site, but the quality can vary (see our Viventor lender ratings for details).

October P2P logo

October is focused on lending to small businesses in France, Spain and Italy. Rates are often a little lower than on Mintos, but some investors will like October because of the countries it operates in.

Bulkestate logo

Bulkestate is a small but growing site focused on loans secured on real estate. It offers loans secured by real estate. Their rates are the highest in Europe for secured loans currently (11-14%)

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