Best P2P Cashback Offers – November 2025 | Up to 9% 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.

Important: We try our best to verify offers, but mistakes can and do happen (e.g. when it comes to which offers stack). So if your decision to invest is absolutely dependent on the full bonus, make sure to reach out to the platform to confirm exact details before funding a project.

The current top offer (percentage mentioned in the headline) is available at Maclear. If you have any questions or want to verify details of any campaign, feel free to join and post in our Telegram group.

8lends

8lends* is a decentralized crowdlending platform backed by the Swiss-based company Maclear AG. It aims to connect the world of traditional lending with decentralized finance (DeFi), with all investments made in USDC.

The platform has a number of promotions for new investors:

• First Investment Bonus: New investors receive a welcome bonus of 30 USDC after making their first investment.
• Referral Program: If you sign up through a referral link, you receive 6% cashback on all your investments within the first 90 days. The person who referred you will receive a 6% commission.
• Loyalty Program: 8lends offers a loyalty program that can add up to 6% annually to your returns, based on the total amount you have invested:
  • 3% for investments over 5,000 USDC
  • 4% for investments over 15,000 USDC
  • 5% for investments over 40,000 USDC
  • 6% for investments over 75,000 USDC

There is also a special bonus for those who complete their “Crypto Course”. New investors on the 8lends platform will receive 45 USDC, while already registered users get 15 USDC. To qualify, you must complete the course and make an investment of 100 USDC or more. The course is designed for beginners and covers blockchain basics, how to manage crypto wallets, and how smart contracts work.

Afranga

Afranga* is running a special “Black Friday edition” cashback promotion for the loan originator Stikcredit, available to all investors.

• Stikcredit Black Friday Campaign (November 10th – 25th, 2025): Investors can earn 1% cashback on all investments made in Stikcredit loans during the campaign period.
• The loans offer fixed interest rates of 11% (12 months), 12% (24 months), and 13% (48 months).

This promotion can be combined with Afranga’s standard welcome bonus for new investors.

• Welcome Bonus: New users who sign up via an affiliate link (like this one*) receive 0.5% cashback on all investments made during their first 90 days.

This means that new investors who sign up and invest in Stikcredit loans during the campaign can receive a combined 1.5% cashback on those investments. The standard 0.5% welcome bonus is paid out on day 91.

Asterra Estate

New investors are eligible for a 1% cashback on investments made within their first 90 days when using an affiliate link (Lars’ link*, Aurum’s link*).

Details on the sign-up bonus were reported by Aurum and Lars.

Bondora

For new investors Bondora* has a refer-a-friend program that nets you €5 for signing up through a referral link like this one by Alex.

Bondster

Bondster* is running a promotion throughout November featuring Nera Capital, a provider of litigation finance loans. The campaign, which offers a tiered cashback bonus on new deposits, is active until November 30, 2025.

The cashback is based on the total amount invested in Nera Capital loans from new deposits during the month.

Cashback Tiers:

• Invest €400 – €2,000 → 0.5% Bonus
• Invest €2,001 – €10,000 → 2.0% Bonus
• Invest €10,001 – €30,000 → 2.5% Bonus
• Invest €30,001 – €100,000 → 3.0% Bonus
• Invest over €100,001 → 3.5% Bonus

The bonus will be paid out in the month following the investment.

Nera Capital Investment Details:

Provider Rating: Nera Capital is rated ‘B’ by Bondster’s analyst team.

Fixed Return: 14% p.a.

Investment Type: Litigation finance claims.

Security: The investments come with a redemption guarantee. If a legal claim fails, an insurance policy covers the principal investment.

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

On Crowdpear*, there is a +1% welcome bonus for new investors, which is applied to all investments made within 90 days after registration. If you invest in a 12-month term loan within 90 days, your bonus is valid for the entire period of the loan/your investment. If you invest in an 18-month or 24-month term loan, your +1% bonus is valid for 18 or 24 months. In other words – you want to get the longest loan duration to maximize the 1% on top (which is quite different from how this usually works) – resulting in a maximum bonus of 2%.

The same is with loyalty bonuses. If the investor invests, for example, with a Platinum loyalty category bonus, the bonus is valid for the entire investment period, even if the client’s loyalty category decreases. If the bonus expires, updated conditions apply only for new investments but do not impact current investments (made before the bonus expires).

Additionally, Crowdpear sometimes offers project-specific bonuses. For instance, certain projects may offer tiered interest rate boosts (e.g., +0.25% to +1%) based on the amount you invest in that single project.

Debitum Investments

Debitum* has replaced its cashback campaigns with a new, multi-tiered Loyalty Program designed to reward investors with up to 2% annual bonus interest.

You can advance through the tiers by either increasing the total amount you have invested or by referring new investors to the platform.

Here is a breakdown of the tiers and their rewards:

1. New Investor

• How to qualify: Have less than €6,000 invested.
• Referral Bonus: You and your referred friend each receive €20 if your friend invests at least €1,000.

2. Investor

• How to qualify:
  • Invest between €6,000 – €24,999, OR
  • Have 2+ referrals who invested any amount in the last 12 months.
• Rewards:
  • Interest Boost: +0.50% p.a.
  • Referral Bonus: €20 for you and each friend (if they invest at least €1,000).
  • Quarterly Top-up Bonus: 1% cashback on new deposits (up to €100).

3. Investor Pro

• How to qualify:
  • Invest between €25,000 – €49,999, OR
  • Have 3+ referrals who invested a combined total of over €1,000 in the last 12 months.
• Rewards:
  • Interest Boost: +1.00% p.a.
  • Referral Bonus: €20 for you and each friend (if they invest at least €1,000).
  • Quarterly Top-up Bonus: 1% cashback on new deposits (up to €100).

4. Investor Elite

• How to qualify:
  • Invest more than €50,000, OR
  • Have 5+ referrals who invested a combined total of over €10,000 in the last 12 months.
• Rewards:
  • Interest Boost: +2.00% p.a.
  • Referral Bonus: A significantly enhanced bonus of 1.5% of your friend’s investment, plus the standard €20 for both you and your friend (if they invest at least €1,000).
  • Quarterly Top-up Bonus: 1% cashback on new deposits (up to €100).

Devon

Devon* is offering 4% cashback for offers, marked with a yellow cashback tag.

It remains to be seen whether new projects will be added. For the ones that still have some room:

• Eligible projects: All currently available on the Devon platform that have the ‘yellow cashback’ tag.
• Cashback bonus credited instantly after funding
• Campaign period is until each project is fully funded
• Note: Cashback is not applied to funding made via the daily interest compounding feature

In addition you’re getting an extra 1% if you sign up through an affiliate link like this one* by Aurum, who first reported the offer.

Esketit

Esketit* has an ongoing welcome bonus: 0.5% cashback during your first 90 days, plus a volume top-up: €25k → +0.5%, €50k → +1% (max 1.5% total). (via Jakub)

EstateGuru

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

FinBee

Finbee* has a special limited-time promotion for new investors who sign up using a publisher’s affiliate link. The campaign runs from November 10th to December 31st, 2025.

New investors who register during this period can earn a combined bonus on their investments.

Bonus for New Investors:

• Standard Bonus: New users receive 1.5% cashback on all investments made during their first 60 days.
• Limited-Time Extra Bonus: On top of the standard bonus, investors will receive an additional 1% cashback on all investments made between November 10th and December 31st.

This means a new investor signing up and investing within the campaign period could earn a total of 2.5% cashback on their investments made before the end of the year.

Affiliate link by Aurum who first reported this campaign.

Fintown

Fintown is offering 2% cashback for customers signing up through an affiliate link this one*. There is currently no end date for this campaign.

FinForta

FinForta* offers 1% cashback.

FF Forest

On FF Forest*, there are two ways investors can receive 3% instant cashback:

The first is a general 3% cashback for allocations of up to €100,000, so you can earn a maximum of €3,000 in cashback. The cashback is transferred to your account within one hour after your allocation is completed. To participate, you need to register on the FF Forest platform, deposit funds, and allocate them to an active project. The campaign is described as a “limited-time offer” for November and December with no specific end date listed – though December 31st seems likely.

The second way investors get 3% is through an affiliate link: You’ll 1% cashback on all deposits made into FF Forest* projects within the first 180 days after signing up. However, from October until November 30, 2025, referred investors will receive an additional 2% cashback (maximum cashback €1,000) on top of the regular benefits. As I read it though, the affiliate link offer is worse in every (albeit minor) way than the offer on the website (which is unusual). I’m currently trying to clarify with them if that’s intentional.

Hive5

Hive5* has introduced a new welcome offer for investors who register on the platform between November 1st and December 30th, 2025.

New users can earn 2% cashback on their first investments by meeting the following conditions:

• Sign up during the promotional period.
• Make a total investment of at least €100 within the first 30 days of registration.
• The cashback is calculated on investments made with deposited funds (promo funds are excluded).

Important Details:

• Payout: The cashback is only credited to your account after the loans you invested in have fully matured and been repaid.
• Maximum Bonus: The maximum cashback you can earn is €200.
• Bonus Usage: The cashback is added to your platform balance and is automatically reinvested. It cannot be withdrawn.
• Exclusivity: This offer cannot be combined with other welcome or deposit bonuses.

Income

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

Indemo

Indemo* has launched a “Black Friday Month” campaign, offering its highest cashback rates of the year. The promotion runs from November 3rd to November 30th, 2025.

The cashback is tiered and cumulative, meaning that as your total invested amount reaches a higher tier, the new, higher cashback rate applies to your entire invested sum for the month.

Black Friday Cashback Tiers (All Investors):

• Invest €250 – €1,499 → 2.5% instant cashback
• Invest €1,500 – €4,999 → 4% instant cashback
• Invest €5,000 or more → 5% instant cashback

Exclusive Bonus for New Investors:
New investors who sign up through an affiliate link (like ours*) during the campaign will receive an additional 0.5% cashback.

Total Cashback for New Investors:

• Invest €250 – €1,499 → 3% cashback
• Invest €1,500 – €4,999 → 4.5% cashback
• Invest €5,000 or more → 5.5% cashback

Important Note: The bonus is calculated on invested funds, not just deposits, and the cashback itself cannot be withdrawn.

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. Before investing, we recommend reading our InSoil review.

LANDE

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

Lendermarket

Lendermarket* has launched a new “Lucky Number” bonus campaign, offering a fixed bonus for investors who meet a specific set of criteria.

To qualify for the fixed €111 bonus, you must complete all of the following steps:

1. Opt-in: You must activate the offer in your investor dashboard between November 11th and November 21st, 2025.
2. Deposit: Deposit a total of at least €11,111 in new funds during the same period (Nov 11–21).
3. Invest: Invest at least €11,111 of those newly deposited funds between November 11th and November 21st.
4. Hold: You must not make any withdrawals from your Lendermarket account until after March 2nd, 2026.

The €111 bonus will be credited to your account by March 12th, 2026. Each investor is eligible for only one bonus. This campaign can be combined with other referral or affiliate programs.

Loanch

Careful: Lars reports (in German) that Loanch is a platform connected to Maxim Chernuschenko, the ex-CEO of Cashwagon, a lender shut down for criminal activities. For more details check out his review on Loanch (German language, Google Translate or ChatGPT is your friend).

If you sign up through an affiliate link (like this one* from Arum who runs die-p2p-macher.de and first reported the promotion), you’ll get a 1% bonus.

Lonvest

1% cashback via Jakub on his site.

Maclear

Maclear has several ongoing bonus campaigns available. They are offering a bonus of €30 for every €500 invested in a single project, which is equivalent to a 6% cashback. This offer is valid on single investments between €500 and €5,000 per project, meaning you can earn a maximum bonus of €300 per project.

In addition, Maclear has a refer-a-friend program where new investors receive 3% cashback on all investments made within the first 90 days of registration. The person who refers them also receives a 3% bonus.

Don’t know an existing investor? You can use the combined refer-a-friend + affiliate link from Aurum* who runs die-p2p-macher.de and sent us the latest update on all the promotions Maclear is currently running. Aurum is also active on the platform with more than €30,000 invested.

The project-specific bonus and the refer a friend bonus would add up to a total of 9%.

There also seems to be a sign-up bonus of €15 if you invest at least €50 within the first 7 days (though the information for that apparently is only displayed once during the sign-up process).

In addition. The platform also features a loyalty program that provides an extra 1.5% to 3% bonus on top of the fixed returns. This bonus is based on the total amount you have invested, starting from €5,000.

Mintos

We’re currently not aware of any bonus offers on Mintos.

Modena

Modena* has a new welcome offer for investors who sign up through an affiliate link.

The offer for new investors includes:

• €25 Welcome Bonus: This bonus is earned after completing your first investment.
• 1% Cashback: You will receive 1% cashback calculated on your average invested amount during the first 90 days. This is paid out gradually throughout the period.

The maximum potential reward from this promotion is €1,000 in cashback plus the €25 bonus. Theoretical maximum sign-up bonus is thus 3.5%.

However, it’s important to note that if you withdraw funds before the 90-day period ends, you will only receive a proportional cashback amount and will forfeit the €25 welcome bonus.

Monefit

Monefit* runs a standard welcome bonus for new users (0.25% with standard affiliate links or 0.75% with Lars’ affiliate link*).

Nectaro

Nectaro* has promotions for both new and existing investors:

Newbies Campaign: A standard 1% cashback bonus calculated on the average daily investment balance during the first 30 days after registration. More details are available in Nectaro’s FAQ*.

Auto-Invest Bonus: All investors can earn an additional 0.29% p.a. interest on all new investments made using Nectaro’s Auto-Invest tool. The bonus is calculated daily and paid out along with the standard interest payments. More details are available in their blog post*.

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.

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* offers 5% on selected projects. First reported by Lars.

Important: Early Exit requests result in 180-day suspension from loyalty bonuses and affiliate programs.

ViaInvest

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

Who are our sources and contributors?

BeyondP2P adds links and promotions as we find them as well as from communications received by the platforms themselves (and on some rare occasions we this may even include an exclusive offer). However, we wouldn’t be able to keep this list as extensive and up to date as it is without the work that is being put in by other bloggers. Here’s a list of people from whom we sourced some of these offers or who actively reached out to let us know about new/updated/outdated offers:

Circlewise

Circlewise is an affiliate network that many P2P platforms use to track and pay referrals. Platforms sometimes use that channel to communicate cashback and bonus campaigns to affiliates (like us) before these launch. Sometimes this means we receive details about campaigns but aren’t allowed to post them until those launch officially. Sometimes there is no such rule – which can result in us announcing a cashback campaign before it’s even on the platform’s own website.

Lars (Passives Einkommen mit P2P)

Lars is probably the most widely-trusted blogger in the German P2P sphere. His site has been around for years and I found his warnings and cautions on specific platforms to be on point and heed-worthy.

and Jakub are some of the most (if not the most) respected P2P bloggers that have been around for several years.

Jakub (P2P Empire)

Jakub is one of the biggest (if not the biggest) P2P blogger who produces YouTube content with some very impressive production values. Despite the polished looks and clear focus on monetization, he doesn’t seem to hesitate to caution against platforms if they don’t meet his standards.

Aurum (Die P2P Macher)

Aurum and his partner Alex report significant personal investments in P2P on an ongoing basis which they document on their site.

Our Own Inbox

I can’t count the number of P2P newsletters we are signed up for. Sifting through those however helps to ensure we don’t miss any announcements. With some platforms we also have personal relationships where someone at the platform messages us directly when a new campaign launches. And last but not least, sometimes you, our dear reader, submits details for a campaign the first time (easiest way to do so is in our Telegram group).