{"id":306178,"date":"2025-08-20T20:32:18","date_gmt":"2025-08-20T20:32:18","guid":{"rendered":"https:\/\/northern.finance\/uncategorized\/mintos-alternative-where-can-you-find-higher-interest-rates-and-greater-security\/"},"modified":"2025-11-19T13:10:37","modified_gmt":"2025-11-19T13:10:37","slug":"mintos-alternative","status":"publish","type":"post","link":"https:\/\/northern.finance\/en\/review\/mintos-alternative\/","title":{"rendered":"Mintos Alternative: Where can you find higher interest rates and greater security?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Mintos is currently the largest and best-known P2P platform, but not necessarily the best! <\/strong>Investors looking for high interest rates, good security or a flexible investment can achieve better results with some competitors. Below, I present <strong>the best Mintos alternatives! <\/strong> <\/p>\n\n\n\n<div>\n<div class=\"wp-block-group nf-info-boxen\">\n<div class=\"wp-block-group__inner-container\">\n<p class=\"nf-boxen-p-gut-zu-wissen\"><strong>In brief:<\/strong><\/p>\n<ul class=\"infobox-ul\">\n<li class=\"infobox-li\">Mintos is a peer-to-peer lending platform with hundreds of thousands of users, a wide range of offerings, and years of review.<\/li>\n<li class=\"infobox-li\">Many users want better security, higher liquidity, greater returns or simply to diversify their portfolio.<\/li>\n<li class=\"infobox-li\">If you are looking for an alternative with higher interest rates, Ventus Energy is the right choice. Here you can earn up to 19% per annum (with bonus promotions). <\/li>\n<li class=\"infobox-li\">Are you looking for more security? Monefit is an exciting alternative to Mintos, which is very stable thanks to its high profitability. <\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Why do you need a Mintos alternative?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The idea behind P2P lending has been around for a long time, but it has only become truly successful in recent years. One provider that has driven and shaped this process like no other is <a href=\"https:\/\/northern.finance\/en\/review\/mintos-experience\/\"><strong>Mintos<\/strong><\/a>: <strong>with over 500,000 users, it is the largest P2P platform in Europe!<\/strong> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Since its founding in 2014, the Latvian company has financed <strong>over \u20ac11 billion in lending! <\/strong> Private individuals like you and me provided the capital for this and were rewarded with high interest rates in return. But there were also <strong>problems<\/strong>:  <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If a borrower fails to repay their loan, there is still no cause for concern. Thanks to buy-back guarantees, we still receive our capital and interest. <\/li>\n\n\n\n<li><strong>However, during the COVID crisis, there were significant losses<\/strong> of over 80 million euros in a short period of time.<\/li>\n\n\n\n<li>Several lending originators (companies that grant lending and refinance through Mintos) went bankrupt.<\/li>\n\n\n\n<li>Buy-back guarantees were now useless, as there was no longer a credit initiator who could repurchase the receivables.<\/li>\n\n\n\n<li>Mintos did a good job of recovering capital, but <strong>several million euros were returned very slowly or were lost entirely. <\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These negative reviews have permanently scared off many investors. <strong>None of the possible Mintos alternatives had such intense problems<\/strong>. The biggest competitor, <a href=\"https:\/\/northern.finance\/en\/erfahrungsbericht\/bondora-review\/\">Bondora<\/a>, for example, showed how well investors could get through the crisis with P2P lending. After a few weeks, everything was back to normal here.<\/p>\n\n\n\n<iframe width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/R632XABTJfs?si=1el4IGO4PcG-6Gli\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">New platforms make many things better<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Another reason why it is worth looking for a Mintos alternative: <strong>the P2P market has grown significantly in recent years<\/strong> and now includes dozens of platforms. These offer different areas of focus and are simply better in some categories.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>That doesn&#8217;t mean that Mintos is bad or not worth investing in! <\/strong> I am also invested here and am achieving good results, as a glance at <a href=\"https:\/\/northern.finance\/en\/my-depot\/\">my portfolio<\/a> shows. But the large number of possible alternatives offers us additional opportunities:  <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Security<\/strong>: Several platforms strive for maximum security. They rely on additional regulation, improved testing mechanisms or build up massive reserves for bad times.  <\/li>\n\n\n\n<li><strong>Interest rates<\/strong>: There are several Mintos alternatives that offer significantly higher interest rates. Some P2P marketplaces can even offer almost double! <\/li>\n\n\n\n<li><strong>Liquidity<\/strong>: P2P providers that allow you to withdraw your money at any time became popular thanks to Bondora and are now very well known. Numerous <a href=\"https:\/\/northern.finance\/en\/p2p\/bondora-alternative\/\">Bondora alternatives<\/a> offer such highly liquid P2P lending.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Even if you are satisfied with Mintos, there are good reasons to consider the possible alternatives. <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><\/td><td>Mintos<\/td><td>Ventus Energy<\/td><td>Monefit<\/td><\/tr><tr><td>Interest <\/td><td>10 &#8211; 14 %<\/td><td>18 %<\/td><td>7,5 &#8211; 10,5 %<\/td><\/tr><tr><td>Distribution<\/td><td>Monthly<\/td><td>Daily<\/td><td>Daily<\/td><\/tr><tr><td>Foundation<\/td><td>2014<\/td><td>2023<\/td><td>2006<\/td><\/tr><tr><td>Number of investors<\/td><td>Over 600,000<\/td><td>3.600<\/td><td>20.000<\/td><\/tr><tr><td>Monthly credit volume<\/td><td>Approximately \u20ac100 million<\/td><td>Unknown<\/td><td>Unknown<\/td><\/tr><tr><td>Annual financial statements?<\/td><td>\u2705<\/td><td>\u274c Present, but not accessible<\/td><td>\u2705<\/td><\/tr><tr><td>Last profit<\/td><td>&#8211; 2.7 million \u20ac<\/td><td>Unknown \u20ac<\/td><td>\u20ac8.1 million<\/td><\/tr><tr><td>Balance sheet total<\/td><td>\u20ac12 million<\/td><td>Unknown \u20ac<\/td><td>\u20ac367 million<\/td><\/tr><tr><td>Repayment problems?<\/td><td>Yes, in 2020<\/td><td>No<\/td><td>2003 on <a href=\"https:\/\/northern.finance\/en\/review\/mintos-experience\/\">Mintos<\/a><\/td><\/tr><tr><td>Payment in \u2026<\/td><td>After the end of the lending or upon sale<\/td><td>Same day<\/td><td>10 working days<\/td><\/tr><tr><td>Translations?<\/td><td>\u2705<\/td><td>\u274c<\/td><td>\u2705<\/td><\/tr><tr><td>Regulated platform?<\/td><td>\u2705<\/td><td>\u274c<\/td><td>\u274c<\/td><\/tr><tr><td>Regulated parent company?<\/td><td>\u2705<\/td><td>\u274c<\/td><td>\u2705<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">You should know about these Mintos alternatives<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Are you considering signing up with Mintos, or are you already active here but not entirely satisfied? Fortunately, there are dozens of possible alternatives that might suit you better!  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">They solve the biggest problems investors have with Mintos: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>At Mintos, we receive an average interest rate of 11.4% on P2P lending. For P2P lending, that&#8217;s not particularly high! <\/li>\n\n\n\n<li>Safety is questionable. During the Covid crisis, it has already become apparent that failures are possible. <\/li>\n\n\n\n<li>Our money is tied up with Mintos for a long period of time. Early exit via the secondary market incurs fees and can result in losses.  <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I have compiled a list of <strong>the best competitors for you<\/strong>. Depending on where the shoe pinches, you will find the best alternatives here: <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Mintos alternative with higher interest rates: Ventus Energy<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">What&#8217;s better than interest? More interest, of course! My <a href=\"https:\/\/northern.finance\/en\/review\/mintos-experience\/\"><strong>Mintos <\/strong>review<\/a> shows that you can earn <strong>an average of 11.4% and a maximum of 14%.<\/strong> Other platforms, however, offer significantly more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In my current P2P lending ranking, you will find several offers with interest rates between 12 and 16%. But one platform leaves its competitors in the dust: <strong>Ventus Energy currently offers 18% per annum<\/strong>, which you can temporarily increase to 19% with my sign-up bonus! <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What&#8217;s behind Ventus Energy: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The <strong>company is active in the energy sector<\/strong> and operates power stations, combined heat and power plants, solar power plants and the associated infrastructure in the Baltic States.<\/li>\n\n\n\n<li>New properties are purchased or modernised with money from private investors and banks.<\/li>\n\n\n\n<li><strong>The power stations are already operational and generating revenue. <\/strong>So this is not just a theoretical concept for the future!<\/li>\n\n\n\n<li>The demand for electricity and heat is enormous and is being fuelled, among other things, by the loss of Russian gas.<\/li>\n\n\n\n<li>There are comprehensive subsidies from the European Union, from which energy projects benefit.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"353\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/Mintos-Alternativen-Ventus-Energy-Ergebnisse-1024x353.jpg\" alt=\"Mintos Alternatives Ventus Energy Results\" class=\"wp-image-304923\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/Mintos-Alternativen-Ventus-Energy-Ergebnisse-1024x353.jpg 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/Mintos-Alternativen-Ventus-Energy-Ergebnisse-300x104.jpg 300w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/Mintos-Alternativen-Ventus-Energy-Ergebnisse-768x265.jpg 768w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/Mintos-Alternativen-Ventus-Energy-Ergebnisse-1536x530.jpg 1536w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/Mintos-Alternativen-Ventus-Energy-Ergebnisse.jpg 1849w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Current revenues from power stations and other sources can be viewed at any time at Ventus Energy. <\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">So we are investing here in <strong>a rapidly growing company in a very lucrative sector.<\/strong> I am convinced that Ventus Energy will become a profitable player in the energy market in the foreseeable future. These are not just empty words for me: <strong>I have invested over \u20ac11,000 in the project! <\/strong> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Currently, I am credited with just under \u20ac6 in interest per day. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"898\" height=\"354\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/Mintos-Alternativen-Ventus-Energy-Dashboard.jpg\" alt=\"Mintos Alternatives Ventus Energy Dashboard\" class=\"wp-image-304928\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/Mintos-Alternativen-Ventus-Energy-Dashboard.jpg 898w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/Mintos-Alternativen-Ventus-Energy-Dashboard-300x118.jpg 300w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/Mintos-Alternativen-Ventus-Energy-Dashboard-768x303.jpg 768w\" sizes=\"(max-width: 898px) 100vw, 898px\" \/><figcaption class=\"wp-element-caption\"><em>I currently have over \u20ac11,000 invested in Ventus Energy. <\/em><\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">I have already visited Ventus Energy myself and had the opportunity to examine the various projects. This <strong>transparency is exemplary<\/strong> and is also reflected in the comprehensive and up-to-date data that we can access at any time.  <\/p>\n\n\n\n<iframe width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/JiBeu5_39zU?si=8vTbovZrB4OgwfJC\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n\n\n\n<p class=\"wp-block-paragraph\">Before investing, however, you should consider two important points: <\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>There is a serious risk<\/strong>: 19% interest does not come without a price! Ventus Energy must first prove that its growth strategy will work. If it fails, bankruptcy looms and your capital is at risk.   <\/li>\n\n\n\n<li><strong>You need to raise a high minimum amount<\/strong>: To get started with Ventus Energy, you need at least \u20ac1,000. This Mintos alternative is therefore only interesting for investors who have a considerable amount of capital at their disposal! <\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">If, despite these two disadvantages, you are still interested in the very high interest rates, it is best to register <strong> directly via my link and secure an additional 1% cashback. <\/strong> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Mintos alternative with better security and liquidity: Monefit<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The problems during the COVID crisis are still a painful memory for many investors. Accordingly, there is considerable interest in <strong>a Mintos alternative with greater security.<\/strong>  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are several approaches to better protect investors. <strong>I like the concept of competitor Monefit best: <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Monefit is an investment platform of the Creditstar Group, which has been granting lending with great success for many years.<\/li>\n\n\n\n<li>The group is represented on platforms such as <a href=\"https:\/\/northern.finance\/en\/review\/lendermarket-review\/\">Lendermarket<\/a> and Mintos, among others.<\/li>\n\n\n\n<li>Through the in-house Monefit service, you invest directly in the Creditstar Group&#8217;s loan portfolio. In return, you are rewarded with 7.5% interest. <\/li>\n\n\n\n<li>Your capital is spread across thousands of lending, minimising the risk of default.<\/li>\n\n\n\n<li><strong>You can withdraw your money<\/strong> at any time and do not have to wait for the lending to be repaid. Monefit is therefore a very good alternative to instant access savings accounts. <\/li>\n\n\n\n<li>The <strong>high level of security<\/strong> is primarily due to the company itself. The Creditstar Group has been very profitable for years and most recently achieved a <strong> profit of over 10 million euros per year!<\/strong> <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Its high level of security and liquidity makes Monefit a particularly exciting alternative to Mintos. <strong>I currently have over \u20ac11,000 invested here.<\/strong> Around \u20ac3,000 of this is in the so-called \u2018Vaults\u2019: here I receive up to 10.52% interest, but have to forego my capital for up to two years. I receive up to 10.52% interest, but have to forego my capital for up to two years.   <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"667\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/Grafik-3-3-1024x667.png\" alt=\"\" class=\"wp-image-306195\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/Grafik-3-3-1024x667.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/Grafik-3-3-300x195.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/Grafik-3-3-768x500.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/Grafik-3-3-1536x1000.png 1536w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/Grafik-3-3-2048x1333.png 2048w, https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/Grafik-3-3-scaled.png 2560w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">My investment with Monetift currently stands at \u20ac11,371, of which \u20ac3,343 is in the higher-interest vaults. <\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">The major <strong>disadvantage here is clearly the lower interest rate of \u201conly\u201d 7.5%. <\/strong> However, this is more than offset by the <strong>excellent collateral<\/strong> and the option to <strong>withdraw my money at any time<\/strong>.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Monefit is therefore an ideal Mintos alternative for anyone who wants to park their capital safely while earning good interest rates. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mintos or alternatives? Here is an example of what a portfolio could look like <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There is no doubt that both Mintos and the numerous alternatives have interesting offers. But what is the final verdict? Which platform is the right one?  <strong>The answer depends, of course, on your goals and possibilities! <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I can only give you <strong>my personal recommendation<\/strong>. It is as follows: <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">30 to 50% with Monefit<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The first step is to register with Monefit.<\/strong> Although this highly secure platform offers \u201conly\u201d 7.5% interest, you can withdraw your money at any time. It should therefore be part of every <strong>lucrative P2P portfolio. <\/strong> <strong> <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The key question is: how much of your assets should you invest here? My recommendation:  <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you want to invest in both Mintos and the highly lucrative alternative Ventus Energy at the same time, 30% with Monefit is sufficient.<\/li>\n\n\n\n<li>If you want to play it safe, you should invest at least 50% with Monefit.<\/li>\n\n\n\n<li>Even for those who wish to forego Mintos, a 50% stake in Monefit is available. <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Maximum 50% at Ventus Energy<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">With Ventus Energy, you can optimise your returns, but you also add a little more risk to your portfolio. You should adjust the proportion according to your risk appetite.  <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Those who also invest with Monefit and Mintos can invest one third everywhere, thus ensuring good diversification.<\/li>\n\n\n\n<li>Not interested in Mintos? A half-and-half portfolio promises high returns thanks to 50% Ventus Energy and good security thanks to 50% Monefit. <\/li>\n\n\n\n<li>Investors who want to minimise risk should avoid Ventus Energy or keep their investment very small (e.g. 10%).<\/li>\n<\/ul>\n\n\n\n<div>\n<div class=\"wp-block-group nf-info-boxen-blau\"> \n<div class=\"wp-block-group__inner-container\"> <p class=\"nf-boxen-p-lesetipp\"><strong>Good to know: <\/strong><\/p> \n<p class=\"nf-boxen-p\">Due to the minimum investment of \u20ac1,000 at Ventus Energy, it can be difficult to adjust the share percentage accurately, especially with smaller assets. <\/p> \n<\/div><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Optional: Up to 33% Mintos<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some investors want to replace Mintos entirely, while others just want to reduce their investment. If you want Mintos to remain part of your portfolio, a share of up to one third makes sense. The 11.4% interest rate complements the offerings from Ventus Energy and Monefit very well.   <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Overall, a sample portfolio could look like this: <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><\/td><td><strong>Monefit<\/strong><\/td><td><strong>Mintos <\/strong><\/td><td><strong>Ventus Energy<\/strong><\/td><\/tr><tr><td>Without Mintos<\/td><td>50 %<\/td><td>0 %<\/td><td>50 %<\/td><\/tr><tr><td>Balanced<\/td><td>33 %<\/td><td>33 %<\/td><td>33 %<\/td><\/tr><tr><td>Safety<\/td><td>50 %<\/td><td>30 %<\/td><td>20 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion: Mintos alternatives are an exciting addition<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Mintos is not fundamentally a bad platform. <\/strong>You can earn solid interest rates of up to 14% and enjoy a good selection of lending. However, some other platforms offer <strong>attractive alternatives<\/strong> that have advantages due to their special focus! <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Monefit <\/strong> is an excellent alternative to Mintos due to its higher security. This P2P provider pays you slightly <strong>less interest, but offers you immediate access to your money.<\/strong> The company behind it is extremely successful and generates profits of over \u20ac10 million per year! Mintos, on the other hand, recently posted a loss.   <\/li>\n\n\n\n<li>If, on the other hand, you are looking for the <strong>highest possible returns, Ventus Energy is a good option<\/strong>. With this Mintos alternative, you can currently earn <strong>up to 19% interest<\/strong>! An investment involves a slightly higher risk, but I personally am convinced of the platform&#8217;s success.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you don&#8217;t like Mintos (for example, due to rather poor reviews during the COVID crisis), there are more than enough alternatives available to you.<strong>. Of course, a combination of the aforementioned providers also makes sense!<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A good mix ensures a stable P2P portfolio that will perform well even in the event of a crisis. It allows you to build up passive income <a href=\"https:\/\/northern.finance\/en\/passive-income\/building-p2p\/\">with P2P lending without any stress,<\/a> or simply to increase your capital quickly!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">FAQ &#8211; Frequently asked questions<\/h3>\n\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-0c7fa258 uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height     \" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-803a306e \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>What alternatives are there to Mintos?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>The best alternatives to Mintos are Monefit (better security) and Ventus Energy (higher interest rates). Numerous platforms are similar to Mintos and could replace it in your portfolio: debitum Investments, Swaper, ViaInvest or Lande are all options.  <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-64ac0e4f \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>Which P2P platform is the best?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Debitum Investments currently offers the best combination of security and high interest rates. It is a better alternative to Mintos. If you are only looking for the highest interest rates, Ventus Energy is a good choice. Security-conscious investors, on the other hand, should opt for Monefit.   <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-3429bacf \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>How reputable is Mintos?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Mintos is a regulated platform that has been operating since 2014. It is clearly a reputable company. However, investing always involves risks, and alternatives such as Monefit could yield better results.   <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-65e763d6 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>Is investing with Mintos worthwhile?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>The P2P platform Mintos offers average interest rates of 11.4% and carries a fundamental risk. It is worth investing, but alternatives such as Ventus Energy or Monefit could deliver better results for investors. <\/p><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Mintos is currently the largest and best-known P2P platform, but not necessarily the best! Investors looking for high interest rates, good security or a flexible investment can achieve better results with some competitors. Below, I present the best Mintos alternatives! In brief: Mintos is a peer-to-peer lending platform with hundreds of thousands of users, a [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":306190,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[1017],"tags":[],"class_list":["post-306178","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-review"],"acf":[],"uagb_featured_image_src":{"full":["https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/EN-NF-707-Thumbnail.png",1280,720,false],"thumbnail":["https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/EN-NF-707-Thumbnail-150x150.png",150,150,true],"medium":["https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/EN-NF-707-Thumbnail-300x169.png",300,169,true],"medium_large":["https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/EN-NF-707-Thumbnail-768x432.png",768,432,true],"large":["https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/EN-NF-707-Thumbnail-1024x576.png",1024,576,true],"1536x1536":["https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/EN-NF-707-Thumbnail.png",1280,720,false],"2048x2048":["https:\/\/northern.finance\/wp-content\/uploads\/2025\/08\/EN-NF-707-Thumbnail.png",1280,720,false]},"uagb_author_info":{"display_name":"Aleks Bleck","author_link":"https:\/\/northern.finance\/en\/author\/phil-nf\/"},"uagb_comment_info":0,"uagb_excerpt":"Mintos is currently the largest and best-known P2P platform, but not necessarily the best! Investors looking for high interest rates, good security or a flexible investment can achieve better results with some competitors. Below, I present the best Mintos alternatives! In brief: Mintos is a peer-to-peer lending platform with hundreds of thousands of users, a&hellip;","_links":{"self":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/306178","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/comments?post=306178"}],"version-history":[{"count":17,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/306178\/revisions"}],"predecessor-version":[{"id":325193,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/306178\/revisions\/325193"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/media\/306190"}],"wp:attachment":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/media?parent=306178"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/categories?post=306178"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/tags?post=306178"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}