Best Alternatives to Mintos in 2026
If you want a higher headline yield, a narrower niche focus, or simply want to diversify away from a single marketplace, here are five alternatives worth comparing.
EstateGuru - ECSP real-estate specialist
Operating since 2013, ECSP-licensed via EFSA Estonia, ~10.4% target return, EUR 50 minimum, secondary market, no buyback. See our full Mintos vs EstateGuru comparison.
Capitalia - long-running Baltic SME lender
ECSP-licensed via Latvijas Banka, operating since 2007, 10-12% target return, EUR 200 minimum, secondary market, no buyback.
Nectaro - MiFID II licence, higher yield
MiFID II-licensed via Latvijas Banka since 2016, 12.5-14.5% target return with buyback guarantee, EUR 10 minimum, though no secondary market.
Lendermarket - ECSP-licensed, higher yield range
ECSP-licensed under the Central Bank of Ireland, 10-18% target return range with buyback guarantee, EUR 10 minimum, no secondary market.
PeerBerry - buyback on every loan
Consumer, leasing and real-estate loans since 2017, ~11% target return, buyback guarantee and secondary market on every listed loan; ECSP licence pending in Lithuania at time of review.
Figures from our internal platform data registry, reviewed 2026-06-07. Regulatory status and terms change; verify directly with each platform before investing.
Disclaimer. Information only, not financial advice. All P2P lending carries risk of partial or total loss of capital.