Best P2P Cashback Offers – July 2025 | Up to 6.6% 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.

Afranga

Afranga* is offering 0.5% cashback for all new investors for all investments made during the first 90 days after registration. Funds need to be deposited and invested and you receive the bonus on day 91 in your wallet.

Asterra Estate

Asterra Estate is offering 5% cashback until July 31st. Reported by Lars.

Bondora

Bondora is offering a bunch of lucky draws until August 28th. I don’t consider that a bonus or cashback.

Bondster

Caution: Jakub reports that most lenders don’t honor the buyback guarantee. Investors’ money is at risk.

Lars reported 0.5% to 2.5% cashback on Mocasa credits. You can invest using his affiliate link*.

Brickstarter

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

Capitalia

We’re not currently aware of any cashback offers at capitalia.

Crowdpear

Currently there is a 0.5% bonus at Crowdpear.

Debitum Investments

Currently there are no campaigns at Debitum*.

Devon

Devon* is offering 4% cashback (reported by Philipp). Details:

• Eligible projects: All currently available on the Devon platform:
  • Mežaparka Nams – Round 2
  • Barona 92
  • Villa Astor, Jūrmala
• Cashback bonus: 4% credited instantly after funding
• Campaign period: Valid until each project is fully funded
• Note: Cashback is not applied to funding made via the daily interest compounding feature

Esketit

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%. (via Jakub)

EstateGuru

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

Fintown

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

FinForta

Offers 1% cashback.

Income

Usually the highest available bonus for Income Marketplace is 1% of your first 30-day daily average investment without an upper cap through our link*. 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.

However, until July 8th, there actually is a cashback campaign of up to 5%. – thanks Lars for bringing this to our attention.

Indemo

From July 2nd to August 1st, all your investments on Indemo* automatically qualify for a cashback bonus.

Cashback Tiers:

• 4% Bonus: For total investments of €5,000 or more.
• 3% Bonus: For total investments of €1,500 or more.
• 1% Bonus: For total investments of €250 to €1,499.99

Key Details:

• Campaign Period: July 2 (10:00 Riga time) – August 1 (23:59 GMT).
• Cumulative: Your investments are added together throughout the campaign.
• Automatic: No codes or sign-up needed.
• Flexible: Works for both new deposits and existing funds.

The profit-share model Indemo* uses has unique risks and benefits. To understand if it’s right for you, read our full in-depth Indemo review.

Inrento

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

InSoil Finance

InSoil Finance (formerly known as HeavyFinance) is offering 2% cashback after 30 days when signing up through any affiliate link – like this one*. This campaign is ongoing with no specific end date.

Iuvo

Careful: There have been reports on Telegram groups about issues with Iuvo

Lars reported on Telegram a 2% cashback campaign for IUVO. You’ll need to register first – details available here. If you don’t have an account yet, you can sign up with Lars’ affiliate link here.

LANDE

3% cashback after 30 days available through this link*. Extended until December 31st, 2025.

Lendermarket

Careful: Lars reported issues with Lendermarket

2.5% cashback if you invest more than €25,000. Way too risky in my eyes. Lars is apparently doing some investments there again, but I’d probably stay away. If you want to look it up anyway, you can do so here. Reported by Lars.

Loanch

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 currently offers 1% cashback.

Lonvest

1% cashback via Jakub on his site.

Maclear

Maclear has been offering 4.6% in the form of €23 for every €500 invested (limit is €5000 per project, but you can do it for as many projects as you like). Reported by Lars. In addition, if you’re a first time investor, you can get an additional 2% cashback (so a total of 6.6%) by getting referred by an existing investor. Don’t know an existing investor? Hint: Why don’t you check out the Maclear investor Telegram chat?

Mintos

Mintos* is offering €25 for your first investment.

Moncera

We’re not currently aware of any bonus or cashback campaigns at Moncera.

Monefit SmartSaver

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

Nectaro

Nectaro offers 1% cashback for the first 30 days through this link* as well as an additional 0.29% annual bonus if you use their auto-invest feature.

NEO finance

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

PeerBerry

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

Robocash

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

Scramble

A grand total of €5. I’m not even going to bother to look up an affiliate link for that. Go Google them.

Swaper

2% cashback via Jakub on his site.

Twino

New investors on TWINO* receive 2% cashback for the first 90 days after registration. You can check out our Twino review to decide whether you want to take advantage of that promotion.

Ventus Energy

Ventus Energy* launched a loyalty program in June 2025 that adds annual interest bonuses based on your outstanding portfolio:

• Spark: 0.5% bonus for €10,000+ invested
• High Voltage: 0.75% bonus for €25,000+ invested
• Super Charge: 1% bonus for €50,000+ invested

These loyalty bonuses are added to standard project interest rates automatically. However, if you use Early Exit on any project, you lose your loyalty status for 180 days.

Ventus* also continues their 5% cashback offer on newly listed projects (look for the cashback badge). Combined with the loyalty program, long-term investors can potentially earn significant additional returns.

Important: Early Exit requests result in 180-day suspension from loyalty bonuses and affiliate programs. Loyalty bonuses don’t stack with Founder’s Reward bonuses for the first 100 investors with €100,000+ active investments.

ViaInvest

You’ll get 1% cashback at ViaInvest when signing up through this link*. No expiration date.

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.