Campaigns running now
2 limited-time campaigns run on the platforms on this page, each until the date shown.
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Hive5's November cashback runs until 5 December 2026. It's open to new investors whichever way they sign up.
Hive5 bonus → -
Loanch's First Investment Bonus runs until 31 December 2026. It's open to new investors whichever way they sign up. It combines with the Loanch welcome offer.
Loanch bonus →
What is a P2P bonus?
A P2P bonus is money a P2P lending platform pays a new investor for signing up and investing. A bonus paid as a percentage of what you invest is P2P cashback. A bonus is the platform's cost of winning a new investor, and it says nothing about the loans your money buys.
The 24 offers on this page come in four types. 20 of the 24 pay cashback of 0.25% to 3% of what you invest, 2 pay a fixed €5 to €25, and 2 add extra interest on each loan.
Cashback
Cashback pays a percentage of what you invest during the offer's window. 19 of the 24 offers on this page pay cashback alone. The most common cashback rate on this page is 1%, paid by 7 of the 20 percentage offers and as the top of a tiered rate by 1 more.
Flat bonus
A flat bonus pays a fixed amount once you invest a minimum within the offer's window. 2 of the 24 offers on this page pay a flat bonus alone.
Flat bonus plus cashback
A flat bonus plus cashback pays a fixed amount and a percentage, each on its own conditions. 1 of the 24 offers on this page pays both.
Extra interest
Extra interest raises the rate on the loans you buy during the offer's window, and it arrives with the interest instead of as one amount. 2 of the 24 offers on this page pay it.
How P2P cashback is paid
Of the 13 offers on this page with a verified payout time, 7 credit the bonus while you invest and 6 after the window or the hold ends. The payout time of the other 11 isn't verified yet. Of the 9 offers with a verified payout form, 8 pay cash you can withdraw and 1 pays credit you must invest first.
At €2,000 invested, the 20 offers on this page that pay cashback are worth €5 to €60 each. As a share of €2,000, that's a one-off +0.25 to +3 percentage points on your first year's return, not a yearly rate. Every value on this page assumes the whole amount is invested within the window, from its first day for Nectaro, Modena and Loanch, which pay on your average balance, and kept invested through any hold. A platform pays the bonus to win a new investor, so its size says nothing about the platform's safety.
TWINO and Lonvest pay cashback rates that vary, so their cards show each range from the lowest rate to the highest. Robocash pays a higher cashback rate on a larger total, so its card shows the rate your amount earns. A cap on the cashback is verified for 4 of the 20 cashback offers, at €300 to €1,000, and the values here apply it.
Your money stays tied up in a P2P platform for as long as the loans you buy run, unless the platform lets you sell them early. A bonus's hold only sets the shortest time your money must stay invested to keep the bonus, and withdrawing before the hold ends can cancel it. The Liquidity score in each platform's review rates how easily the platform lets you get your money out.
How to claim a bonus
- Check the offer's conditions
Each offer above states what you must invest and, where the platform sets one, its window. The bonus pays only when you meet every condition.
- Register through the offer's link
Where an offer pays only sign-ups through a partner link, open the link in the browser you'll register in, with ad-blockers off, because the link's tracking runs in that browser.
- Don't enter a code of your own
A code typed at sign-up can replace the offer of the link you came through. Leave the code field as the link left it, empty or filled in, unless the offer names a code.
- Invest within the window
The window starts when you register or when your account is verified, depending on the platform's terms. Only money invested before the window ends counts toward the bonus. The most common bonus window is 90 days, used by 12 of the 24 offers.
- Keep the money invested through the hold
A withdrawal before the hold ends can cancel the bonus. Each offer above shows its hold where the terms set one, and each bonus page says when a hold isn't stated or verified.
How the offers are checked
23 of the 24 offers on this page were last checked in November 2026. 6 of the 24 offers on this page were last checked against the platform's own terms, 5 against the platform's own pages and 12 against the offer listing for affiliate sites, and the source of the other 1 isn't recorded. Each offer's bonus page lists the platform's earlier offers to new investors, with their dates.
If you find a newer offer for a platform listed here, tell us through the contact page.
