Common questions about the Mintos P2P login and peer-to-peer loan investing.
How do I log in to Mintos P2P loans?
Use the same Mintos login at mintos.com with your registered email and password; your P2P loan portfolio (Core, Custom, Manual) appears on the main dashboard after sign in.
Is Mintos a true peer-to-peer platform?
Mintos originated as a P2P marketplace connecting investors with loans from partner lending companies; since 2021 it has operated under a full investment-firm license (MiFID II) rather than a basic P2P intermediary structure.
What is the difference between Core, Custom and Manual P2P loans?
Core auto-invests toward a target return with minimal setup. Custom lets you define your own automated rules. Manual lets you browse and select individual P2P loan notes from thousands of active listings.
What is a buyback guarantee on Mintos?
Some loans include a promise from the originating lending company to repurchase the loan if a borrower defaults for a set period. Buyback guarantees have not always been honored on time during stress periods, which delayed some investor withdrawals.
Are Mintos P2P loans insured like a bank deposit?
No. P2P loan notes are investment products, not bank deposits, and are not FDIC, NCUA or standard deposit-insured. Only uninvested cash carries the €20,000 Latvian investor compensation protection.
How many lending companies does Mintos work with?
Mintos lists loans from more than 60 lending companies across multiple European countries, which is the basis for cross-lender diversification.
What returns do Mintos P2P loans offer?
Mintos advertises a weighted average APY around 9% on Core Loans; realized returns vary by lending company performance and are never guaranteed.
Can I sell a P2P loan note before it matures?
Mintos offers a secondary market where notes can sometimes be sold to other investors before maturity, subject to available buyers and possible discounts.
What happened during the Mintos P2P buyback delays?
During the COVID-19 pandemic and the war in Ukraine, several lending companies were unable to honor buyback guarantees on schedule, leaving P2P investor funds in recovery for extended periods.
Is P2P loan investing on Mintos suitable for beginners?
Core Loans automates diversification and is accessible to beginners, but anyone investing in P2P loans should understand the credit and liquidity risk before committing significant capital.