This page gives you an overview of some peer-to-peer lending marketplaces, lists current cashback/bonus offers and guides investors on how to apply in order to take advantage of them. Many of the best European peer-to-peer lending platforms offer sign up bonuses and cashback offers as a form of a marketing campaign.
If you take advantage of an offer remember that you are not only supporting the blog but you also jumpstart your returns. Just remember that a rich cashback bonus should not be the only reason to sign up.
Crowdestor Referral Bonus
Rates: 12-36%
Liquidity: Moderate
Buyback Guarantee: No, as usual with these kinds of investments
Loans: Business/Real Estate Crowdfunding
Duration: 3-18 Months
Min. Investment: €100
Currencies: EUR
Secondary Market: No
Auto-Invest: No
Fees: No Fees
Deposits: Bank transfers
You can also check my Crowdestor Review here.
Mintos Cashback Campaign
Rates: Up to 14% in EUR, 18.5% In other currencies
Liquidity: High
Buyback Guarantee: Yes, after 60 days
Loans: Individual, Business, Real-estate
Duration: 1 Week – 20 Years
Min. Investment: €10
Currencies: EUR, DKK, GBP, GEL, KZT, PLN, RUB, SEK
Secondary Market: Yes
Auto-Invest: Yes
Fees: No fees, except foreign exchange
Deposits: Bank transfers
Offer: 1% cashback paid after 30, 60 and 90 days on the amount invested after registration using this link. You can also read my review of Mintos here.
Mintos just informed me that from 18.11.2019 the signup bonus for new investors will 0.5% instead of 1%. This affects all referral links from all websites.
Lenndy Cashback Campaign
Rates: 12% + Bonus for large investments
Liquidity: Good
Buyback Guarantee: Yes, 60 days
Loans: Personal/ Car/ Mortgage Loans
Duration: 3-30 Months
Min. Investment: €10
Currencies: EUR
Secondary Market: No, but you can sell the loan back to Lenndy for a 5% fixed fee
Auto-Invest: Yes
Fees: No fees
Deposits: They recently added Bank deposits as opposed to PaySera transfers that were available up until recently
Offer: When you register with my link and invest 100 EUR or more (not necessarily into one loan) – you a 10 EUR bonus. The money will be sent to you immediately after the investment is done. You can also read my review of Lenndy here.
EstateGuru Cashback Campaign
Rates: 10-11%
Liquidity: Low
Buyback Guarantee: No, as usual with these kinds of investments
Loans: Real Estate/Construction
Duration: ~12-18 Months
Min. Investment: €50
Currencies: EUR
Secondary Market: No
Auto-Invest: Yes
Fees: No Fees
Deposits: Bank deposits
Offer: 0.5% cashback from each investment made during the first 3 months after registration using this link. You can also read my review of EstateGuru here.
October Cashback Bonus Campaign
Rates: 2.5-9%
Liquidity: High
Buyback Guarantee: No, as usual with these kinds of investments
Loans: Business Loans
Duration: 3-84 Months
Min. Investment: €20
Currencies: EUR
Secondary Market: No
Auto-Invest: No
Fees: Recovery Fees if the debt is assigned to their recovery partners
Deposits: Bank transfers, Credit Card
Offer: €20 bonus once you have invested at least €500 registering using this link.
DoFinance Cashback Campaign
Rates: 5-9%
Liquidity: High
Buyback Guarantee: Yes, after 1 day
Loans: Short-term consumer loans
Duration: 7 Days – 60 Months
Min. Investment: €10
Currencies: EUR
Secondary Market: Yes
Auto-Invest: Yes
Fees: No Fees
Deposits: Bank transfers
Offer: VIP Status = 10% plan available, 1% cashback from each investment made during the first 90 days after registration using this link.
Bondora Cashback Campaign
Rates: Virtually up to 76,91% but there is a high default ratio
Liquidity: High
Buyback Guarantee: No
Loans: Consumer loans
Duration: 3 – 60 Months
Min. Investment: €5
Currencies: EUR
Secondary Market: Yes
Auto-Invest: Yes
Fees: Debt collection agency, state, court and lawyer fees only on cash recovered
Deposits: Bank transfers and Credit/Debit card payments
Offer: €5 bonus right after sign up using this link after your first deposit (any amount) and €10 after investing at least €1,000. I only recomend using Go&Grow at Bondora.
NeoFinance Bonus Campaign
Rates: Average interest Rate is 17.48%
Liquidity: Good
Buyback Guarantee: Partial BuyBack + Provisional Fund
Loans: Loan Refinancing, Debt consolidation, House Repair
Duration: 6-60 Months
Min. Investment: €10
Currencies: EUR
Secondary Market: Yes
Auto-Invest:
Fees: Some low fees if you request paper copies of statements, certificates, etc.
Deposits: Bank transfers
Offer: You will receive €25 sign up bonus for investment after registering using this link (no investment needed).
Flender Cashback Campaign
Rates: Up to 10.5%
Liquidity: Low
Buyback Guarantee: No, as usual with these kinds of investments
Loans: Business Loans
Duration: 12-36 Months
Min. Investment: €50
Currencies: EUR
Secondary Market: No
Auto-Invest: Yes
Fees: No Fees
Deposits: Bank transfers
Offer: 5% of any investments you make in their first 30 days using this link.
Iuvo Cashback Bonus Campaign
Rates: Up to 15%
Liquidity: High
Buyback Guarantee: Yes, but only principal. Also, the delay varies between 30 and 60 days.
Loans: Personal, Mortgage, Business Loans
Duration: 1-60 Months
Min. Investment: 10 EUR, 10 BGN, 25 RON
Currencies: EUR, BGN. RON
Secondary Market: Yes
Auto-Invest: Yes
Fees: The only fee is when you sell a loan in the Secondary Market and that is 1% of the amount
Deposits: Bank transfers
No offer is provided from Iuvo Group at this time but if you want to sign up, you can visit Iuvo’s website click herehereherehere.
Grupeer Overview
Rates: 10-14%
Liquidity: Satisfactory
Buyback Guarantee: Yes, after 15 or 60 days
Loans: Business Loans, Development Projects
Duration: Currently, 8-15 Months
Min. Investment: €10
Currencies: EUR
Secondary Market: No, will be introduced later
Auto-Invest: Yes
Fees: No Fees
Deposits: Bank transfers
Grupeer does not offer any cashback bonus for the referred party but if you like Grupeer and would like to support the blog, I would appreciate it if you could sign up using this link. You can also read my review of Grupeer here.
PeerBerry Overview
Rates: 11-12.4%
Liquidity: High
Buyback Guarantee: Yes, after 60 days
Loans: Mostly short-term personal , a few real estate and auto loans
Duration: Most of the loans are for less than a month
Min. Investment: €10
Currencies: EUR
Secondary Market: No
Auto-Invest: Yes
Fees: No Fees
Deposits: Bank transfers
PeerBerry does not offer any cashback bonus for the referred party but if you like PeerBerry and would like to support the blog, I would appreciate it if you could sign up using this link. You can also read my review of PeerBerry here.
ViaInvest Sign Up Bonus
Rates: 9-11%
Liquidity: High
Buyback Guarantee: Yes, after 30 days
Loans: Short-term personal loans
Duration: Most of the loans are for less than a month
Min. Investment: €10
Currencies: EUR
Secondary Market: No
Auto-Invest: Yes
Fees: No Fees
Deposits: Bank transfers
Offer: Earn a 10 EUR bonus after signing up using this link and investing at least 50 EUR. You can also read my review of ViaInvest here.
BulkEstate Overview
Rates: 12-18% Plus Bonuses for large investments
Liquidity: Low
Buyback Guarantee: No, as usual with these kinds of investments
Loans: Real Estate Crowdfunding
Duration: 6-18 Months
Min. Investment: €50
Currencies: EUR
Secondary Market: No
Auto-Invest: Yes
Fees: No Fees
Deposits: Bank transfers
BulkEstate does not offer any cashback bonus for the referred party but if you would like to support the blog and like BulkEstate, I would appreciate of you could sign up using this link. You can also read my review of BulkEstate here.
FastInvest CashBack Campaing
Rates: Up to 15% for EUR and 16% for PLN
Liquidity: High
Buyback Guarantee: Yes (3 days)
Loans: Consumer Loan
Duration: 1-12 Months
Min. Investment: €1
Currencies: EUR, PLN
Secondary Market: No (Early Exit without Interest or penalties Guaranteed)
Auto-Invest: Yes
Fees: No Fees
Deposits: Bank transfers
FastInvest does not offer any cashback bonus for the referred party but if you would like to support the blog and like FastInvest , I would appreciate of you could sign up using this link. You can also read my review of FastInvest here.
CrowdEstate Overview
Rates: Around 16%
Liquidity: Low
Buyback Guarantee: No, but it’s common with these kinds of investments
Loans: Business/Real Estate Crowdfunding
Duration: 5-42 Months
Min. Investment: €100
Currencies: EUR
Secondary Market: Yes
Auto-Invest: Yes
Fees: No Fees
Deposits: Bank transfers
CrowsEstate does not offer any cashback bonus for the referred party but if you like CrowsEstate and would like to support the blog, I would appreciate it if you could sign up using this link. You can also read my review of CrowdEstate here.
RoboCash Overview
Rates: Fixed 12%
Liquidity: High
Buyback Guarantee: Yes
Loans: Short-Term Microloans
Duration: 7 to 30 Days
Min. Investment: €10
Currencies: EUR
Secondary Market: No
Auto-Invest: Yes
Fees: No Fees
Deposits: Bank transfers
RoboCash does not offer any cashback bonus for the referred party but if you like RoboCash and would like to support the blog, I would appreciate it if you could sign up using this link. You can also read my review of RoboCash here.
Swaper Review and Bonus Offer
Rates: Fixed 12% or 14%
Liquidity: High
Buyback Guarantee: Yes
Loans: Mostly Short-Term Loans
Duration: Around One Month
Min. Investment: €10
Currencies: EUR
Secondary Market: No
Auto-Invest: Yes
Fees: No Fees
Deposits: Bank transfers
Offer: If you register at Swaper and invest over 5,000 Eur you will be eligible for an extra 2% interest rate on your investments. You can read more details and my Swaper review here.
ReInvest24 Overview
Rates: Around 14% from Rental Yield and property value appreciation
Liquidity: Moderate
Buyback Guarantee: No
Loans: No Loans,Real Estate Investment
Duration: –
Min. Investment: €100
Currencies: EUR
Secondary Market: No
Auto-Invest: No
Fees: 2% from entry and 10% from monthly rental yield for operating the rental property. The 10% fee is already deducted from the “net rental yield”.
Deposits: Bank transfers
ReInvest24 does not offer any cashback bonus for the referred party but if you like ReInvest24 and would like to support the blog, I would appreciate it if you could sign up using this link.
Bondster Cashback Bonus
Rates: Up To 13.5%
Liquidity: Sufficient
Buyback Guarantee: Yes (30 or 60 Days)
Loans: Short-Term Personal and Business Loans
Duration: 10 Days to 12 Months
Min. Investment: €5
Currencies: EUR
Secondary Market: No
Auto-Invest: Yes
Fees: No Fees
Deposits: Bank transfers
Offer: 1% cashback paid after 30, 60, and 90 days on the amount invested after registration using this link. You also have to use promo code “P2Pincome” to be eligible for the offer.
Ekassa Sign-Up Bonus
Rates: Up To 12%
Liquidity: Sufficient
Buyback Guarantee: Yes (60 Days)
Loans: Short-Term Personal and Business Loans
Duration: 10 Days to 12 Months
Min. Investment: €5
Currencies: EUR, PNL
Secondary Market: No (Early exit available with 1% fee)
Auto-Invest: Yes
Fees: No Fees
Deposits: Bank transfers
Offer: An additional 1% for the first investment you make in the Guaranteed product. It is an additional income rate to the standard rate in the Guaranteed product. You can earn that by signing up using my link.
Monethera Cashback Review
Rates: Around 19%
Liquidity: Sufficient
Buyback Guarantee: Yes / Partial
Loans: Short-Term Personal and Business Loans
Duration: 6-12 Months
Min. Investment: €100
Currencies: EUR
Secondary Market: No (Early exit available with 5% fee)
Auto-Invest: No
Fees: No Fees
Deposits: Bank transfers
Offer: First deposit bonus of €5 after your first investment plus 0.5% cashback from each investment made during the first 90 days after registration using this link. You can also click here for my in-depth Monethera review.
You can also use promo code “p2pincome” during registration to qualify for the 360-day cashback (Yeap, almost a full year) instead of the standard 90-day. This code can only be used 25 times. When 25 people sign up it will be removed unless renewed by Monethera.
BrickStarter Cashback Offer
Rates: Around 10-12%
Liquidity: Sufficient
Buyback Guarantee: No
Loans: Real Estate
Duration: –
Min. Investment: €50
Currencies: EUR
Secondary Market: No
Auto-Invest: No
Fees: No Fees
Deposits: Bank transfers
Offer: You will get €15 extra for investing and 0.5% cashback from investing during 90 days after registration using this link. Make sure to use code BRICKS.
Lendermarket Cashback Promo Offer
Rates: Fixed at 12%
Liquidity: Sufficient
Buyback Guarantee: Yes, 60 Days
Loans: Personal Loans
Duration: 5 days -5 Years
Min. Investment: €10
Currencies: EUR
Secondary Market: No
Auto-Invest: No
Fees: No Fees
Deposits: Bank transfers
Offer: 1% cashback from each investment made during the first 60 days after registration using this link. You can also read my Lendermarket Review.
WiseFund Bonus Cashback Offer
Rates: Around 19-21%
Liquidity: Sufficient
Buyback Guarantee: Yes, 60 Days
Loans: Business Loans
Duration: 4-8 Months
Min. Investment: €10
Currencies: EUR
Secondary Market: No (Early exit available on some projects)
Auto-Invest: No
Fees: No Fees
Deposits: Bank transfers
P2P Income 
10x
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