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This page lists the current cashback and bonus offers of the p2p loan markets and explains to investors how to apply to make use of them. Many of the P2P loan platforms use registration bonuses as a form of marketing campaign promotion, so some offers are only available for a limited time or other conditions apply. It’s easy: they usually work, if you register using the special links provided below (you don’t need to enter a promotional code).

Investment must be rational. If you don’t understand it, don’t invest.

(Warren Buffett)

The reason for these registration bonuses is probably to help those unfamiliar with online p2p investment sites.

IN THIS ARTICLE, I WROTE A LIST OF P2P PLATFORMS WITH THE HIGHEST BONUSES AND CASHBACKS.

Read my ultimate guide for P2P investments if you are new to this type of investments.

Here is the updated list of bonuses and referrals for the P2P loan:

Ideal for commercial loans, limited geographical diversification, safer choice.

Very interesting bonus for registration. Default rate of the platform at 0.2%

1. Terms & Conditions
2. Geo: Europe / United Kingdom
3. Type: commercial loans
4. Bonus: 5%
5. Conditions: invest in the first 30 days
6. Interest: up to 16%
7. Secondary market: no
8. Protection scheme: no
9. Min. Invest: 50 €
10. Open to: international investors

VISIT FLENDER

Mintos is extremely popular and guarantees a certain stability

1. Terms & Conditions
2. Geo: Europe
3. Type: 6 types of loans (mainly repurchase guarantee)
4. Bonus: 1% on first investments (unlimited)
5. Conditions: only for money invested (not just deposit)
6. Interest: up to 18.5%
7. Secondary market: yes
8. Protection scheme: yes 
9. Min. Invest: € 10
10. Open to: international investors

VISIT MINTOS

Very simple to use, clear, flexible, very high interests, pioneer.

1. Terms and Conditions
2. Geo: Europe
3. Type: High Tech, Energy, Real Estate
4. Bonus: € 5
5. Conditions: 100 € min deposit
6. Interest: up to 22%
7. Secondary market: YES (direct direct sale to Monethera)
8. Protection scheme: partial
9. Min. Invest: € 1
10. Open to: EU investors

VISIT MONETHERA

Loans secured by brilliant and high yielding real estate

• Terms & Condition
• Geo: Europe
• Type: real estate loans
•  Bonus: 0.5% on first investments (90 days)
• Conditions: only after the first investment (not just deposit)
• Interest: up to 12.35% (about 1% per month)
• Secondary market: no
• Protection scheme: guarantee
• Min. Invest: 50 €
• Open to: EU investors 

VISIT ESTATEGURU

More suitable for large investors

VISIT BRIDGECROWD

Very simple to use.

1. Terms & Conditions
2. Geo: Europe
3. Type: consumer loans (repurchase guarantee)
4. Bonus: X
5. Conditions: X
6. Interest: up to 12%
7. Secondary market: no
8. Protection scheme: optional
9. Min. Invest: € 10
10. Open to: EU investors

VISIT PEERBERRY

Easy to use, comfortable, various levels of protection, small but growing fast.

1. Terms & Conditions
2. Geo: Europe
3. Type: 4 types of loans
4. Bonus: € 25
5. Conditions: simply register to get the bonus
6. Interest: up to 25%
7. Secondary market: yes
8. Protection scheme: yes
9. Min. Invest: € 10
10. Open to: EU investors

VISIT NEOFINANCE

Accounts with daily interest. Fixed rate from 2.5% TEGM up to a variable rate of 6% TEGM . Very simple and intuitive mobile application.

1. Terms & Conditions
2. Geo: Europe, Latin America
3. Type: commercial, personal loans
4. Bonus: € 10
5. Conditions: invest at least € 100
6. Interest: up to 6%
7. Secondary market: NO
8. Protection scheme: collateral, an account of provisions and reserves – Safeguard Trust.
9. Min. Invest: € 1 in the Iban account – € 1000 in the Iban Uno or Iban Mercato account
10. Open to: EU investors , +30 countries

VISIT IBANWALLET

BONDORA

Old, well-known, controversial, famous for high returns

1. Terms & Conditions
2. Geo: Europe
3. Type: personal loans
4. Bonus: € 5
5. Conditions: simply register to get the bonus
6. Interest: practically up to 72.66% (Real <20% per annum)
7. Secondary market: yes
8. Min. Invest: € 1
9. Open to: international investors

VISIT BONDORA

Easy to use and smooth

1. Terms & Conditions
2. Geo: Europe
3. Type: Mix
4. Bonus: NA
5. Conditions: NA
6. Interest: up to 21%
7. Secondary market: yes
8. Protection scheme: no
9. Min. Investing: € 5
10. Open to: EU investors

VISIT FINBEE

Good for small business loans

1. Terms & Conditions
2. Geo: Europe
3. Type: commercial loans
4. Bonus: € 20
5. Conditions: € 500 minimum deposit
6. Interest: up to 9.9%
7. Secondary market: No
8. Protection scheme: partial
9. Min. Invest: € 20
10. Open to: EU investors

VISIT OCTOBER

Pioneer, controversial, in strong growth

1. Terms & Conditions
2. Geo: Europe
3. Type: real estate loans
4. Bonus: € 25
5. Conditions: do not use Housers
6. Interest: up to 10%
7. Secondary market: yes
8. Protection scheme: no
9. Min. Invest: 50 €
10. Open to: Some international investors

VISIT HOUSERS

Property as a guarantee, few deals available

1. Terms & Conditions
2. Geo: UK (available abroad)
3. Type: real estate loans
4. Bonus: £ 50 occasional
5. Conditions: X
6. Interest: up to 7.4% (LTV 50)
7. Secondary market: yes
8. Protection scheme: guarantee
9. Min. Invest: £ 1000
10. Open to: international investors

VISIT PROPLEND

diversified and intuitive. Yields up to 1% per month

1. Terms & Conditions
2. Geo: Europe
3. Type: 4 types of loans
4. Bonus: NA
5. Conditions: NA
6. Interest: up to 15%
7. Secondary market: yes
8. Protection scheme: Yes
9. Min. Invest: € 10
10. Open to: EU investors

VISIT GRUPEER

Giant and solid, real rents are collected

• Terms and conditions
• Geo: UK (available for non-residents)
• Type: Buy to rent property (rental income)
• Bonus: Invite a friend up to £ 1500
• Conditions: Investor referrals
• Interest: average of 7.3% per year
• Secondary market: yes
• Protection scheme: guarantee
• Min. Invest: £ 50
• Open to: international investors (for example USA)

VISIT PROPERTY PARTNER

Has a nice investment simulator.

1. TERMS & CONDITIONS
2. Geo: Europe
3. Type: Personal Loans 
4. Bonus: NA
5. Conditions: NA
6. Interests: Up to 16%
7. Secondary market: YES
8. Protection mechanism: Yes

VISIT FASTINVEST

The choice of a new  p2p loan platform is the result of a long process of meticulous research on the web.  The bonus is not the most important factor when choosing a new P2P platform.

Peer-to-peer investments, like most investments, put their capital at risk and, as an investor, I am aware that interest is not always positive.

The bonuses I got by registering directly are these:

NeoFinance  (€ 25 to invest)

Rendity ( € 25 to invest )

Bondora  (€ 5 to invest)

Monethera ( € 5 to invest )

There are also these platforms where I signed up but I’m still studying them ( You can also register. I’ll make reviews in the near future ):

ViaInvest

DoFinance

Profitus

Rendity

PrepayWay

Brickstarter

Coinloan

Monestro

Debitum Network

Have a good journey towards financial independence!

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