The Best Mintos Alternatives (2026)

More than 600,000 registered users and an investor portfolio of more than EUR 650 million. With these figures, Mintos is currently the largest P2P lending platform in Europe.

Mintos has built this position since 2015 through a highly scalable business model in which external loan originators can offer their loans for funding on the Latvian P2P marketplace. For investors, this creates a high level of variety and broad diversification.

In my Mintos review on the blog, I have discussed in detail that this setup can also come with certain problems.

Because Mintos attracts so much attention due to its market position, smaller and less dominant P2P platforms can easily be forgotten. Yet, they are not necessarily worse alternatives.

This page therefore presents several Mintos alternatives and compares them with the Latvian original in terms of their similarities.

Not yet invested on Mintos? Then sign up on the platform using the link below and secure a new investor bonus.

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Why Consider Mintos Alternatives?

Looking into possible Mintos alternatives can be driven by two main motivations.

First: Expanding the existing P2P lending portfolio in terms of diversification. In this case, you are already registered with Mintos but are looking for an additional alternative with similar features.

Second: Certain characteristics might be missing on Bondora but are available (or more strongly pronounced) on other platforms. These could include greater financial stability, higher liquidity, or better return expectations.

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The Approach

To identify suitable Mintos alternatives, the key features and characteristics of the Latvian P2P platform should first be outlined. Here is a brief overview:

Market Experience: Mintos began its operations in 2015. This means the platform can draw on more than a decade of experience, having weathered multiple crises.

Business Model: Mintos is an investment firm that, in addition to loan financing, also offers other asset classes. These include ETFs, real estate, bonds, and investments in a money market fund (Mintos Smart Cash).

Regulation: Mintos has been supervised by the Latvian financial authority since 2021 and is regulated under MiFID II. As a result, investor accounts are protected by the investor compensation scheme for up to EUR 20,000 in the event of misuse or platform insolvency.

Portfolio Quality: In the past, Mintos has repeatedly faced issues with loan originators. While the triggers often included events such as the Covid-19 pandemic or the outbreak of war in Ukraine, the underlying cause was frequently an insufficiently robust risk assessment by the platform.

Financial Stability: Thanks to its diverse asset classes, Mintos has broad monetization channels. However, this is offset by substantial operating costs, which is why Mintos has rarely managed to reach profitability in recent years.

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Mintos Alternative #1: Debitum Investments

Debitum Investments is a Latvian P2P platform where investors can earn above-average returns by investing in business loans. Below is a brief overview of the platform.

In many respects, Debitum Investments has a large overlap with the P2P marketplace Mintos. Both platforms are licensed investment brokerage firms based in Latvia, supervised by the Bank of Latvia and regulated in accordance with the MiFID II directive.

Their business models also share many similarities. Both platforms primarily act as marketplaces for financing loans issued by external companies, although some issuers also have shareholder overlaps to the platform. While Mintos markets a wide range of loan types, Debitum focuses specifically on business loans.

In terms of market experience, Mintos has been around a few years longer, but with its operational start in 2018, Debitum is far from being a newcomer in the P2P market.

Regarding portfolio quality, both platforms share the misfortune that the war in Ukraine caused repayment issues for certain loan originators with problems that remain unresolved to this day. Through Chain Finance (now Motor Finance LLC), around EUR 1.9 million of investor funds are currently locked in recovery on Debitum.

With more than EUR 50 million in assets under management, Debitum is still far from Mintos in size. However, the platform’s financial stability has steadily improved over the years. In 2024, thanks to a sustainable growth trajectory, it reached profitability for the first time.

Further information can be found in my Debitum review.

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Mintos Alternative #2: Viainvest

Viainvest is a Latvian P2P platform where investors can invest in buyback-guaranteed consumer loans and achieve returns of up to 13%. Below is a brief overview of the platform.

Viainvest also shares many similarities with Mintos. Both platforms are based in Latvia, are regulated in their domestic market by the Bank of Latvia, and their operational launches were relatively close: Mintos in 2015 and Viainvest at the end of 2016. Both therefore have a similarly long track record.

A key difference between the platforms lies in their business models. Viainvest is an investment platform of the parent company VIA SMS Group, which itself owns a number of lenders across Europe. As a result, Viainvest exclusively markets internal lenders, allowing for greater control and influence.

Unlike Mintos, Viainvest follows a significantly more conservative and passive approach to marketing. Nevertheless, its figures show that with a portfolio exceeding EUR 50 million, Viainvest is among the larger players in the P2P market. This is accompanied by a 0% default rate, reflecting the platform’s strong risk management.

Regarding financial stability, Viainvest also boasts a significantly stronger balance sheet. In the past decade, there were only two years in which the platform was not profitable, while the last two fiscal years set new record profits.

Investors on Viainvest may occasionally face minor issues. Overall, however, Viainvest is one of the most reliable P2P platforms in the lending space. As an active investor, I have consistently achieved double-digit returns on the platform since 2018.

Further information can be found in my Viainvest review.

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Mintos Alternative #3: PeerBerry

PeerBerry is a Croatia-based P2P lending marketplace that hosts a wide range of lenders from around the world. Below is a brief overview of the platform.

PeerBerry follows a business model very similar to Mintos. Both platforms primarily operate as marketplaces for a variety of external fintech companies, with central pillars in each case: for Mintos, it is the Eleving Group (formerly Mogo), and for PeerBerry, it is the Aventus Group.

Since 2023, PeerBerry’s managed loan portfolio has exceeded EUR 100 million, making it one of the largest P2P platforms in Europe. However, because the platform has onboarded few external partners, growth in recent years has been very limited.

As a result, investors face both cash drag and declining yields, which increasingly makes it less attractive for the average investor.

The advantage of this approach lies in greater control. PeerBerry was hit harder than any other P2P platform by the war in Ukraine. More than EUR 50 million in war-affected loans temporarily defaulted. The fact that the platform was able to recover all assets three years later, and now showcases a 0% default rate, highlights the professionalism and integrity of PeerBerry and its partners.

Unlike Mintos, PeerBerry is not regulated by any financial authority. On the other hand, it has consistently reported positive figures since 2018 and has regularly operated in the profitable range.

Further information can be found in my PeerBerry review.

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Mintos Alternative #4: Bondora

Bondora is an Estonian P2P lending platform where investors can use Bondora Go & Grow to invest in one of the most popular investment products in the P2P market. Below is a brief overview of the platform.

Bondora might seem surprising in a list of possible Mintos alternatives. In fact, there are more differences than similarities, which is precisely why Bondora is presented here as a counter-model to Mintos.

If there is one similarity between the two platforms though, it lies in their market dominance. Bondora currently manages a portfolio of more than EUR 500 million, making it the second-largest P2P platform in Europe behind Mintos. In addition, the platform has 520,000 registered users, a number only surpassed by Mintos.

However, in terms of approach and strategic orientation, the two heavyweights could hardly be more different. Bondora, active in the market since 2008, is an unregulated P2P platform based in Estonia.

Instead of offering a wide variety of asset classes and investment options, Bondora provides only a single product: Bondora Go & Grow. Here, investors can deposit their money to earn an annual return of 6% while maintaining daily access to their funds. Bondora handles the investing itself, making it a simple and passive investment for investors. However, questions remain regarding the transparency of the portfolio quality, which can be explored in my Bondora Go & Grow review.

Undeniably, Bondora excels in financial stability. The platform has been highly profitable for several years and is among the financially best-positioned companies in the P2P lending sector.

Further information can be found in my Bondora review.

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Conclusion: The Best Mintos Alternatives

Looking at the different P2P platforms, Debitum and Viainvest are certainly the most similar alternatives to Mintos in the current market environment. This is supported by characteristics such as business model, regulation, and portfolio quality.

If, on the other hand, one focuses more on market size and presence in the P2P space, Bondora and PeerBerry offer a greater overlap.

Still haven’t found the right platform? Those interested in other Mintos alternatives beyond the P2P platforms listed here can explore my P2P platform review page for additional options.

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