P2P Cashback & Signup bonuses

Many of the best British and European peer to peer platforms offer cashback offers /signup bonuses. Below is a list of every offer available for sites that we feature on ExploreP2P.  If we don’t feature a site, it has failed our screening criteria. We update this page constantly, so check it regularly.

Participating in the deals below helps to support our site, will boost your returns, and will give your skin a nice healthy glow*.

Peerberry up to 2% bonus

Peerberry has grown significantly over the last few years to become the 2nd biggest P2P site in Continental Europe. We have long been fans of it due to its ease of use, good interest rates and strong loan originators. You can read our review here. Peerberry has just launched a bonus offer that equates to 2% for smaller investments, and scales to 1% for larger investments. Full details are on its site. A huge number of our readers have taken advantage of this offer so far

Lendermarket 1% bonus

Lendermarket is a fairly new P2P investing site that has been setup by Creditstar Group. Creditstar has been one of our highest rated lenders on Mintos for a long time. They are large and have been consistently profitable, with good quality reporting. While they continue to offer some loans on Mintos, they are now looking to sell loans directly to investors. Lendermarket has adjusted to the new market conditions by increasing the rates it pays to investors from 12% to 14%. It offers new investors a 1% bonus for all investments made within 60 days of opening an account. To take advantage of this offer, visit Lendermarket using this link and you will automatically qualify. 

Somo £100 bonus (exclusive)

Somo (previously called Bridgecrowd) is one of our highest rated British platforms. It is targeted at investors with larger sums to invest. All loans are secured with mortgages against British real estate (mainly residential property). Somo offers returns of between 8-12% per annum, which we think offers a very attractive return relative to risk. Somo 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. Investments must be made within 45 days of opening a Somo account to qualify for this offer. This offer is not available direct from Somo, and is exclusive to Explore P2P. 

Bulkestate 1% bonus 

Bulkestate is in our list of Top 10 P2P sites currently. It offers loans secured on real estate in prime locations in the Baltic states. Rates are high – typically 11-14%. For the first time, Bulkestate is giving investors a 1% bonus to celebrate its 4th anniversary of operations. To qualify, investors need to invest a minimum of €4,000 by March 12, 2021. To take advantage of this bonus offer, visit Bulkestate using this link and you will automatically qualify once you have made the minimum investment prior to March 12, 2021. 

Robocash 1% bonus 

Robocash is in our list of Top 10 P2P sites currently. Robocash doesn’t tend to provide bonus offers as its interest rates of 12-14% are high enough to attract plenty of new investors. However it is currently offering new investors a 1% sign-up bonus on top. It is paid on the amount invested within 30 days of opening an account. Robocash is a very profitable business that is planning to IPO in the coming months. All loans have a buyback guarantee. To take advantage of this bonus offer, visit Robocash using this link and you will automatically qualify. 

HeavyFinance 1% bonus 

We think that HeavyFinance was one of the best and most interesting sites to start during 2020. All loans are secured (mostly on high value farm machinery). You can read our interview with their CEO and Founder here. We expect this site to grow significantly during 2021. Interest rates are typically 11-14% which we think is very attractive based on the risk profile of the loans. HeavyFinance are currently offering new investors a 1% bonus on funds invested within 30 days of opening an account. To take advantage of this bonus offer, visit HeavyFinance using this link and you will automatically qualify. 

LendSecured 1% bonus 

LendSecured has been operating since 2011 and launched its P2P platform last year. It offers loans secured on farmland, and small development projects. Loans are all secured and tend to have low LTVs. Interest rates are quite high – between 12 and 14%. LendSecured plan to launch some interesting products during 2021. LendSecured are offering new investors a 1% bonus on funds invested within 90 days of opening an account. To take advantage of this bonus offer, visit LendSecured using this link and you will automatically qualify. 

ReInvest24 1% bonus

ReInvest24 offers both P2P (development) loans and also property crowdfunding opportunities in the Baltic region. We think the property crowdfunding is of most interest. The team has now successfully bought, refurbished and sold several properties, generating IRRs for investors in the high teens %. The development loan interest rates are currently 13-15%. You can read our full review here. ReInvest24 are celebrating the launch of their new Spain office by offering new investors a 1% bonus for a very limited period. It applies to all new investments made by new investors on the primary market up to 22 February 2021, for investors who have opened an account using  this link

EstateGuru 0.5% bonus 

Estateguru is one of the best European P2P sites. It 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 4.5 star rating. 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.  If you open an account using this link please also email us ([email protected]) to let us know. We will select 2 investors to win some stylish Estateguru goodies (bags, hoodies, shirts etc).

Kuflink 2-4% bonus

Kuflink offers investors loans secured against British real estate. Returns are currently between 5 – 7.2%. Kuflink has a very good lending track record so far, with no losses for investors. That’s because LTV’s are conservative at 50-70%, and Kuflink also has a co-investment in each self-select loan that takes absorbs any losses first. Kuflink is paying a bonus based on the funds invested within 14 days of opening their account. The rate starts at 2% for investments of £500 and goes all the way up to 4% as larger sums are invested. Full details are available on the Kuflink site.

Blend Network 1% bonus

Blend Network offers some of the highest returns available in the UK for secured loans. It does this by finding niches where there is little competition from the major banks. It is a fairly new site but it has been growing strongly. Rates are between 8 and 12% which we think is very good relative to the risk level. Blend is offering  new investors a 1% bonus on their first investment made within 90 days of opening an account. To take advantage of this offer, visit Blend Network using this link and you will automatically qualify. 

October €20 bonus

October is one of the largest European platforms and their loans can provide good diversification to a portfolio. October 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 October using the link provided and you will automatically qualify.

Bondster 1% bonus 

Bondster is a multi-lender P2P site based in the Czech Republic. It features 13 loan originators from around the world. It has been operating since 2017. Some of the loan originators can be found on other platforms, but some are only easily available through Bondster. Blend is offering  new investors a 1% bonus on investments made within 90 days of opening an account. To take advantage of this offer, visit Bondster using this link and you will automatically qualify. 

EvoEstate 0.5% bonus 

EvoEstate is a real estate ‘aggregator’ platform. It offers loans and real estate investments from 19 different platforms throughout Europe. The idea is that investors can access many different opportunities through a single account.  EvoEstate are offering investors a 0.5% cashback offer on investments made within 6 months of opening an account. To take advantage of this bonus offer, visit EvoEstate using this link and you will automatically qualify. 

Kviku €20 bonus

Kviku is another loan originator that has recently launched its own P2P platform. Rates are higher here than available for Kviku loans at Mintos. Kviku has operations in 6 countries – Poland, Spain, Kazakhstan, Russia, Ukraine and Phillipines. These would not necessarily be at the top of our list of countries to invest right now, but the higher risks are reflected in the available returns  of 14-15%. All loans come with a 30 day buyback guarantee provided by the holding company of Kviku. Kviku is offering a €20 bonus for new investors who open an account and invest a minimum of €100 using this link

NEO Finance €10 bonus

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 €25 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. 

Bondora €5 bonus

Yes, we know, €5 is not a lot! But if you are considering opening a Bondora account, it’s better to receive it than not. Our experience has been good so far with Bondora, but because there is no buyback guarantee the range or returns for investors has varied. Most investors seem to earn between 5 to 15% return, but there is potential to do better, or worse than this. Bondora is one of the longest running P2P sites in Europe, operating since 2012. It’s possible to spend a lot of the time on the site, trying to optimise performance and risk but they also offer a simple ‘Go & Grow’ product for people who prefer more simple investment options.

Zlty melon 1% bonus

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). 

Loanpad £50 – £100 bonus

Loanpad offers a fairly unique proposition in the British P2P market. Investors can choose from a classic account offering instant access at 4%, or a 60 day notice account at 5%. We think its an interesting, well structured P2P product. Tax efficient ISAs are also available. We think that it is probably the lowest risk P2P product we have seen in Europe so far. You can read our interview with the CEO here. For a limited time, Loanpad are offering bonuses of £50 for a £5000 investment, and £100 for a £10,000 investment. To qualify, use this link, and then insert promotion code WB519 when you open your account. Full details are available on the Loanpad site.

Ablrate £50 bonus

ABLrate is an interesting site. The ABL stands for ‘asset backed loans’ and that’s exactly what they offer. While ABLrate offers property loans it is best known for financing other types of assets including car fleets, shipping containers, aircraft and machinery. Many investors like to include these types of loans in their portfolio because it offers genuine diversification. Rates tend to be fairly high –  10%+. ABLrate have just launched their first every signup bonus – a £50 bonus for new investors who invest at least £1,000. To take advantage, just go to ABLrate using the link provided and you will automatically qualify once you open an account with ABLrate.

Funding Circle £50 Amazon card

Funding Circle is the largest P2P investment site, with operations in the UK and USA. It lends to small and medium sized businesses. Their investors expect to earn around 4-5% after defaults. However be aware that the risks associated with this type of lending have gone up recently due to COVID-19, and you should not expect to sell loans quickly in the secondary market. 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 of the offer.

Other useful offers

Currencyfair €30 bonus

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. 

Seedrs £25 bonus

Seedrs is one of the largest equity crowdfunding sites in Europe. It regularly offers shares in leading P2P and Fintech companies such as Estateguru. It offers investments in many other interesting sectors too, including promising environmental technologies. Investments are high risk and reward – you will most likely either make 10 times your money or lose it all. The idea is to support interesting new companies that have strong growth potential and innovative ideas. Seedrs is offering new investors a £25 bonus on their first investment (minimum £150 investment). That’s a good deal, and worth using to test out the site and explore what’s available.

Discover more bonus offers

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