The Best P2P Lending Bonus & Cashback Offers – December 2019

You should know about the best, currently available P2P Lending Bonus and Cashback offers before opening an account on these peer to peer lending platforms, which is why I created this page.

Last Update: 2nd of December 2019

P2P Platforms I’m invested in

In case you were wondering how to get a Bonus on any of these, I outlined the detailed conditions for each. First, let’s start with the Cashback offers to P2P lending platforms I’m currently invested in myself as well.

Bondora Bonus

  • My Bondora Go & Grow Review
  • How much: 5 Euro Bonus after signing up (only new users)
  • Conditions: Invest 10 Euros within 30 days after signup
  • Get the Bondora Bonus: Here

Envestio Bonus & Cashback

  • My Envestio Review
  • How much: 5 Euro Bonus on your first deposit + 0,5% Cashback on all your investments during the first 270 days!
  • Conditions: The 5 Euro Bonus is paid within 24h of your first deposit of at least 100 Euros. The 0,5% timespan Bonus on your investment is paid before the 5th of each month.
  • Get the Envestio Bonus: Here

Grupeer BonusGrupeer Cashback Logo

  • My Grupeer Review
  • How much: 1% Cashback on your investment 
  • Conditions: Get 1% Cashback on your investment into selected loan originators and loans each month on Grupeer, instantly credited to your account. Use the filter under Loan deals on Grupeer to Show only deals with CashBack. You can then double-check that the loan has the symbol below, to make sure you get the Cashback right after your investment:
    Grupeer Cashback July 2019
  • Get the Grupeer Bonus: Here

Iuvo Group Bonus

  • My Iuvo Group Review
  • How much: 30 Euros + 60 Euros
  • Conditions: First you need to request a referral here. You get a 30 Euro Bonus on your first investment of at least 1.000 Euros. If you deposit and invest an additional 1.500 Euros (for a total of 2.500€ or more), you receive an additional 60 Euro Bonus. That’s a 3,6% Cashback Bonus on a 2.500€ investment!
  • Get the Iuvo Group Bonus: Request a referral here and follow the instructions in the email.

Lendermarket BonusLendermarket

  • How much: 1% Cashback on your investment. 
  • Conditions: If you sign up to Lendermarket via this link, you get 1% Cashback on all of your investments during the first 60 days. The bonus is added to your account within 5 business days after the 60 days are over.
  • Get the Lendermarket Bonus: Here

Mintos Bonus

  • How much: 0,5% Cashback on your investment. 
  • Conditions: If you sign up to Mintos via this link, you get a 0,5% Bonus on all of your investments on Mintos during the first 90 days. The bonus is calculated on the daily invested balance over a three month period: 30, 60, and 90 days after the registration date and paid in three instalments. There is no need to enter a Promo Code to get the Cashback, just sign up using this link.
  • Get the Mintos Bonus: Here

Monethera Cashback & Promo Code

  • My Monethera Experience so far
  • How much: 5 Euro Bonus + 0,5% Cashback on your investments
  • Conditions: You get a 5€ Bonus when signing up on Monethera and 0,5% Cashback on all of your investments during the first 180 days. 
    In addition, try using the Promo Code: p2pinvesting for 360 days of Cashback instead of 180 days when you sign up via my link. The code can only be used a limited number of times, but it can’t hurt to try!
  • Get the Monethera Bonus: Here

SWAPER BonusSwaper Bonus

  • Why I added Swaper to my Portfolio
  • How much: +2% Interest  on all of your investments. 
  • Conditions: If you sign up to SWAPER via my link and invest 5.000€ or more, you get a +2% interest loyalty bonus on all of your investments. That means you receive 14% interest instead of 12% on Swaper.
  • Get the SWAPER Bonus: Here

Viainvest BonusViainvest Bonus

Wisefund BonusWisefund Cashback

P2P Platforms I’m not invested in (yet?)

Last but not least, here are other interesting P2P lending Cashback and Bonus offers for several crowdlending platforms in Europe.

I’m not currently invested in these, but I might test these out in the future. If you’re planning on opening an account here, make sure you read the conditions to take full advantage of the Signup Bonuses they offer!

BitOfProperty BonusBitOfProperty Bonus

  • How much: 10€ Bonus after signing up. 
  • Conditions: You get a 10€ Bonus after signing up on BitOfProperty and filling out your account details via this link.
  • Get the BitOfProperty Bonus: Here

Bondster BonusBondster Bonus

Brickstarter Promo Code & CashbackBrickstarter promo code

  • How much: 15€ Bonus when signing up + 0,5% Cashback on your investments
  • Conditions: Sign up here and use the Promo Code BRICKS to get a 15€ Bonus instantly credited to your Brickstarter account. In addition, you get 0,5% Cashback on all of your investments during the first 90 days.
  • Get the Brickstarter Bonus and Cashback: Here

EstateGuru BonusEstateguru Bonus

  • How much: 0,5% Cashback for three months 
  • Conditions: If you sign up via this link, you get a 0,5% Bonus on all of your investments on EstateGuru during the first 3 months.
  • Get the EstateGuru Bonus: Here

EvoEstate BonusEvoEstate Bonus

  • How much: 15€ Bonus after your first investment. 
  • Conditions: You get a 15€ Bonus after your first investment on EvoEstate when signing up via this link.
  • Get the EvoEstate Bonus: Here

Flender BonusFlender Bonus

  • How much: 5% Cashback on your investments
  • Conditions: When signing up via this link, you get 5% Cashback on all of your investments on Flender during the first 30 days.
  • Get the Flender Bonus: Here

Kuetzal Promo CodeKuetzal Cashback

  • How much: 15€ Bonus when signing up
  • Conditions: When signing up using this link, use the Promo Code FINANCIALLYFREE to get a 15€ Bonus instantly credited to your account on Kuetzal (thanks Jorgen!).
  • Get the Kuetzal Bonus: Here

NEO Finance BonusNEO Finance Bonus

  • How much: 25€ Bonus after signing up. 
  • Conditions: To receive a 25€ Bonus for your first investment on NEO Finance, just complete the registration using the link below.
  • Get the NEO Finance Referral Bonus: Here

PeerBerry BonusPeerberry Bonus

  • How much: 0,5%-1% Loyalty Bonus
  • Conditions: PeerBerry recently introduced a Loyalty Bonus program. Here are the terms:
    1. If you have over 10.000€ invested on PeerBerry, you get +0,5% interest on all future investments
    2. If you have over 25.000€ invested on PeerBerry, you get +0,75% interest on all future investments
    3. If you have over 40.000€ invested on PeerBerry, you get +1% interest on all future investments
  • Get the Peerberry Loyalty Bonus: Here

Rendity BonusRendity

  • How much: 25€ Bonus after signing up. 
  • Conditions: You can get a 25€ Bonus for your first investment if you sign up to Rendity via my link.
  • Get the Rendity Signup Bonus: Here

7 Comments

  1. Hi Angelo,
    thank you for the Iuvo Group bonus, I almost registered without it last week and already got the 90€! 🙂

  2. As a lender you are not covered by any regulation with Flender even though they publicize in the media FCA compliance this is only for UK but they do not follow these rules or guidelines for Ireland.

    Flender have very minimal t&c no complaints procedure listed or followed on their website or clear process.

    An example being a loan where Flender have not advised that given company had multiple loans in the same year and did not advise of these other loans or include these figures in the financials for a further loan.

    Company X already had multiple loans for 2018 which were not listed on Flender website or on most recent and final loan tranche advertized in 2018, it also did not include all debtors for the other loans in the financial snapshot for final loan tranche. So an investor wouldn’t know amounts already loaned to that company or that company already had multiple loans all issued in 2018 by Flender.

    Worst still loan went straight into being paid back using deposit which was not advised until.4 months later.

    Flender advise snapshot in final loan is loan projections snapshot for 2018 and therefore does not need to include all debtors, creditors for all the same company X  other loans which were all issued by Flender in 2018 !

    All above raised with Flender and they offer no recourse or goodwill due to their error.

    Financials could also be more accurate and clearer as on all loans Flender do not include depreciation figure for EBITA

    For a company that has promoted FCA license in media this is not in line with FCA regulations or Flender slogan of putting the customer first.

    Of course capital investment incurs risk but PTP platforms with FCA license are required to issue relevant financial information so that an investor can make an informed decision, which in case highlighted an investor is not able to make a fully informed decision as Financial projections for 2018 does not include all debtors for the period 2018.

    I personally will not be investing significant funds in Flender and I use other PTP who offer recourse for their errors and who’s figures, t&c processes and procedures are more accurate and user friendly even though some may charge a fee or offer lower interest I think for the extra bit of attention to detail and clearness of financials it’s worth it

    • thank your for your detailed feedback on Flender, I appreciate it and probably others will as well!

  3. Edvinas Šatkus Reply

    Debitum Network, nice bonus offer (refer a friend, he invests 250€, you both ger 10€ each). I apologize for doing something in my own interest :P, but i just can’t resist ;):

    It’s still small, but i like how they are more focused on security. I suppose interest rates are lower, but I like that assets are mostly short-term and more secure. Obviously everyone has their own risk and security balance, this one seemed just right for me… 😀 once again, sorry for the reference.

    I can tell more of my insights on this platform, but don’t want to be too disrespectfull to Angelo.

    Angelo, hope its ok, me making this comment. Thank you!

    Respectfully,
    Edvinas

    • Hey Edvinas,
      thanks for the tip, I’ll look into that!

      I hope you can forgive me, but I removed the referral link from your comment. I still appreciate you sharing your positive experience with the platform though! 🙂

      Cheers,
      Angelo

      • Heh, yeah it’s OK, they recently added some 10% assets, they got almost invested rather fast, i’m kind of sad my money is still stuck on a lower % assets 😀

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