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 the our site, will boost your returns, and will give your skin a nice healthy glow*.
Lendermarket 3% 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. That is their standard bonus offer. For a limited time they are also now paying a 2% bonus on all net deposits made up this this date. That makes a total of 3% of bonuses for all new investors, and is currently the most generous offer available in European P2P. To take advantage of this offer, visit Lendermarket using this link and you will automatically qualify. This is currently the most popular offer we publish. Hurry – offer expires October 31.
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. Available until December 31 2020.
Bridgecrowd £100 bonus (exclusive)
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. Investments must be made within 45 days of opening a Bridgecrowd account to qualify for this offer. This offer is not available direct from Bridgecrowd, and is exclusive to Explore P2P.
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 ths link and you will automatically qualify.
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 until 31 December 2020 it is 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.
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 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.
Viventor 0.5% bonus
Viventor is a similar European P2P site to Mintos, but smaller. Some secured loans are available. There are multiple lenders listed on the site, but the quality can vary (see our Viventor lender ratings page for details). Viventor does not usually run promotions, but for a limited time they are offering investors a 0.5% cashback offer on investments made within 90 days of opening an account. To take advantage of this bonus offer, visit Viventor using this link and you will automatically qualify. The offer is valid until December 13.
Kuflink 2.5% to 4.0% 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. Investors can earn a £2.5% bonus on their first 14 days of investments when they open an account using this link. The minimum investment to qualify for this offer is only £1000. The bonus increases in stages up to a maximum of 4% for investors investing greater than £5,000. Full details are available on the Kuflink site.
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.
Assetz Capital £50 bonus
Assetz Capital has regularly featured in our list of top 10 P2P investment sites. Their lending track record is strong, and they offer a wide range of products, with typical returns between 5 to 8%. Assetz Capital have not offered bonuses to new customers as they have been growing so quickly, but for a limited time they are offering a £50 bonus for new investors who invest at least £1,000 for 12 months. We don’t expect this offer to last long. To take advantage, make sure that the referral offer code 2QLXS8 is quoted in the box when your open the account.
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.
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.
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.
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).
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.
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.
* We can only guarantee 2 of these 3 statements.