What is crowdlending?
Crowdlending (P2P lending) allows multiple investors to lend money directly to borrowers through a digital platform, earning interest in return. Unlike a bank deposit, there is no deposit guarantee scheme. The risk is higher, but so is the potential yield.
Bondora Go&Grow: simplicity and liquidity
Bondora is an Estonian company founded in 2009. Its flagship product, Go&Grow, pays a fixed 6.75% AER with withdrawals processed within 1 business day — near-instant liquidity for a lending product. Fully automated, no loan selection needed. View on APYData →
Main risks: no guarantee, liquidity can be restricted in stress scenarios (briefly happened in 2020), borrowers have medium-to-low credit profiles.
Mintos Core Portfolio: higher yield, more complexity
Mintos is Europe's largest crowdlending marketplace by volume, founded in Latvia in 2015. Core Portfolio pays up to 10.5% AER in EUR, diversified automatically across multiple loan originators. Secondary market available for early exit but not guaranteed at full price. View on APYData →
Main risks: originator default risk, secondary market liquidity constraints, past issues with several originators (2020-2022).
Which to choose?
Choose Bondora if you want a simple, liquid alternative to a savings account with higher yield, investing under €5,000.
Choose Mintos if you want to maximise returns, have investment experience, a longer time horizon, and can handle complexity.
Neither platform should hold more than 5-10% of your total wealth — this is a high-risk asset class with no public guarantees. View full crowdlending comparison →