Best P2P Cashback Offers – April 2025 | Up to 12% Bonus

Below you will find the best cashback offers for each P2P lending platform. Some of the offers are available to absolutely everyone, others you have to use the affiliate link of a specific partner to get the highest cashback amount. We’re using our own affiliate link if it works for the highest commission, otherwise we use the affiliate link of whichever affiliate gets you the highest cashback. If you come across a cashback offer that’s better than what’s in this list, contact us and we’ll add it.

Bondora: €5

• €5 signup bonus after registration via Lars. Direct link to offer here.

Bondster: 1%

• Caution: Jakub reports that most lenders don’t honor the buyback guarantee. Investors’ money is at risk.
• 1% cashback bonus, calculated 30, 60 and 90 days after registration. Essentially that’s 1% for 90 days, but if you invest during the first 30 days, they’ll give you the cashback for that investment after 30 days. Same goes for the cut offs after 60 and 90 days. Cashback is only paid on net increases in investments, so if you take money out and put it back in again you don’t get paid twice. Direct link to offer here.*

Brickstarter: €25

• Get a €25 signup bonus with promo code P2PEMPIRE25_ES via Jakub’s site.

Crowdpear: None

• We are currently not aware of any Crowdpear cashback or bonus offers.

Debitum Investments: 2.5%

Debitum has a somewhat unusual cashback offer for April that is only available to existing investors and for repayments you receive between 10 April 2025 (11:30 CET) and 30 April 2025. Reinvest those funds into the Latvian Forest Development Fund (LFDF) notes and Debitum will top them up with cashback: put back the full 100 % of those repayments and you’ll earn 2.5 % p.a.; reinvest 75–99.9 % and you get 1.5 % p.a.; 50–74.9 % earns 0.5 % p.a.; below 50 % gets nothing. Only freshly arrived April repayments qualify—existing cash balances, earlier deposits, or money you withdraw and redeposit are excluded—and you must pre‑register the email tied to your Debitum account to be counted.

The campaign ends at 23:59 CET on 30 April 2025, cashback is calculated once on your aggregated eligible reinvestments and paid within ten business days after the promotion closes, and Debitum can change or cancel the offer at any time.

You can find the sign-up form here.

Esketit: 1.5%

• 0.5% cashback on your investment during the first 90 days and an additional bonus based on how much you invest: €25,000 gets you 0.5% and €50,000 gets you 1% for a total of up to 1.5%. Sign up here. (via Jakub)

EstateGuru: 0.5%

• 0.5% cashback on your investment for the first 90 days through this link (code EGU31719) via Lars.

Fintown: 2% and €15

• €15 signup bonus (via Jakub)
• 2% cashback on your first investment, which is paid out after 3 days, access here – via Lars.

Income: 1% (no cap)

• The current highest available bonus for Income Marketplace is 1% of your first 30-day daily average investment without an upper cap through our link*.
• Here’s Income’s statement on other promo codes and links: “Please note that there has never been a 2% cash-back offer on Income, so the offer displayed on [other website] is invalid.”
  
• Some sites report higher percentages, but we confirmed with Income that there currently is no promo code or affiliate link that offers more than 1%. In fact, our link* is currently the only one we are aware of that doesn’t cap the bonus at €500.

Indemo: 7%

• Get a €40 credit with only €10 investment here when signing up as first time user with code ‘kredithai’ (link, code & report by Lars).
• Investments for €200 or more qualify for 1.5% cashback, if you do €800 or more, you’ll even get 2%.
• If you are a new user investing exactly €800, you’ll receive 2% cashback plus the €40 bonus (equals 5%) for a total cashback of 7%.
• Offer runs till April 17th.

Inrento: €20

• €20 starting credit after the first investment when you sign up as a friend through this link via Lars.

InSoil Finance: 2%

• InSoil Finance (formerly known as HeavyFinance) is offering 2% cashback after 30 days when signing up through any affiliate link – like this one*.

Iuvo: 0.75%

• Careful: There have been reports on Telegram groups about issues with Iuvo
• 0.75% cashback up to €150 during first 60 days on Jakub’s site.

LANDE: 3%

• 3% cashback after 30 days available through this link. Extended until further notice.

Lendermarket: 3.3%

• Careful: Lars reported issues with Lendermarket
• 3.3% cashback if you invest exactly €150,000. Way too risky in my eyes. Lars is apparently doing some investments there again, but since even the lowest cashback offer (2%) requires €5,000, I’d probably stay away. If you want to look it up anyway, you can do so here. Reported by Lars.

Loanch: 3%

Careful: Lars used to caution against Loanch because of their founding team which seems to have been associated with more dubious platforms before. On his site he currently doesn’t share those concerns (anymore). Why? No idea. I’d be cautious.

Loanch offers 3% cashback for investments between €10,000 and €20,000. You can still get 2% for lower investments as long as it’s more than €5,000. Below that you’ll get 1% as long as it’s over €600. Runs till April 17th. More details here.

Lonvest: 1%

• 1% cashback via Jakub on his site.

Mintos: 1.67%

• Mintos offers bonus tiers. Highest percentage bonus is at the lowest tier where €1500 gets you €25 cashback. Maximum nominal bonus is for €20,000 at which point you’ll receive €200 (which is only 1% though). Offer runs till April 30th. Sign up here. (report and link by Lars).

Monefit SmartSaver: 0.25% and €5

• 0.25% cashback after 90 days through this link + €5 start bonus – via Lars

Nectaro: 1%

• Nectaro frequently runs high cashback campaigns. Currently though only the standard 1% is available. Sign up here*.

NEO finance: €10

• €10 after your first investment via Jakub on his site.

PeerBerry: 1.5%

• 0.5% cashback on your investments during the first 90 days and an additional bonus based on how much you invest: €10,000 gets you 0.5%, €25,000 gets you 0.75% and €40,000 gets you 1% for a total of up to 1.5% (via Jakub on his site)

Rendity: €25

• €25 after your first investment (via Jakub on his site).

Robocash: 1%

• 1% during first 30 days via Jakub on his site.

Swaper: 2%

• 2% cashback via Jakub on his site.

Twino: €20 (max: 20%)

• TWINO Investments offers a €20 one-time bonus for new platform users who register via Circlewise referral links (‘Affiliate Links’) like this one here*. Eligibility requires completing full identification, depositing €100 minimum, and investing at least €100 in platform financial instruments (primary market only). The bonus is credited automatically within one business day of qualifying investment. This is an ongoing program with no fixed end date.
• Best return is if you invest exactly €100 as you’ll get an easy, immediate 20% return.

Ventus Energy: None

• We’re currently not aware of any cashback campaigns at Ventus Energy.

ViaInvest: 1%

• 1.0% of the invested amount after 90 days through this link. via Lars

Who are Lars and Jakub?

At the time of writing all P2P bonus and cashback offers are either our own, or come through Lars or Jakub. If you know of anyone else having exclusive offers, please reach out and I’ll be happy to add them.

Lars and Jakub are some of the most respected (if not the most respected) P2P bloggers that have been around for several years. Lars blogs and broadcasts (mostly) in German at Passives Einkommen mit P2P while Jakub does the same in English and several other languages at P2P Empire. I’d definitely pay attention if they warn against a specific platform.