Mintos vs PeerBerry (2026): Which Pays Better?
Mintos is the regulated giant with Notes, a secondary market and hundreds of lending companies; PeerBerry is the lean crowd favourite with a flawless repayment record, zero fees and loans that sell out in minutes. They are the two most-compared consumer-loan platforms in Europe and the choice usually comes down to regulation versus track record.
| Platform | Rating | Returns | Min. investment | Buyback | Regulation | |
|---|---|---|---|---|---|---|
| 4.3 | 7–13% | €50 | ✓ | Regulated | Visit platform | |
| PeerBerry  | 3.7 | 9–11.5% | €10 | ✓ | Unregulated | Visit platform |
Mintos
4.3 / 5 · Overall
- Returns
- 4.0
- Liquidity
- 4.5
- Track record
- 4.0
- Transparency
- 4.5
- Usability
- 4.5
PeerBerry
3.7 / 5 · Overall
- Returns
- 3.5
- Liquidity
- 2.5
- Track record
- 4.5
- Transparency
- 4.0
- Usability
- 4.0
🏴☠️ The verdict: Mintos takes the treasure (4.3/5)
Mintos wins on regulation, diversification depth and liquidity (secondary market). PeerBerry wins on simplicity, fee-free investing and a repayment record that survived even war-affected loan books — if you can actually get your money deployed before loans sell out. Most investors who can stomach an unregulated platform hold both.