InSoil Bonus 2026: Get 2% Cashback on Your First 30 Days

The InSoil bonus is 2% cashback on what new investors invest in their first 30 days, as of November 2026. InSoil pays the bonus only for sign-ups through a partner link.

By Uffe Stjernholm
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InSoil logo

InSoil

2.6/5 · High risk

2% cashback

On your investments within 30 days

€40 on €2,000 · +2 percentage points on your first year's return

Keep each investment for 30 days

Checked against the offer listing for affiliate sites

Investing on InSoil puts your capital at risk, and a bonus doesn't change that.

Claim bonus

Opens insoil.com

Bonus
2%
Cashback
Required
€100
Platform minimum. No bonus minimum.
Time to invest
30 days
Hold
30 days
Each investment
Promo code
None
Via the link

What is the InSoil bonus?

The InSoil bonus is 2% cashback on every investment you make in your first 30 days after registering on InSoil, the farm-lending platform called HeavyFinance until April 2025. InSoil pays it to new investors who register through a partner link, such as the one on this page, on investments that stay active for 30 days from their investment date. InSoil’s registration form has no code field.

InSoil's 2% is twice 1%, the typical rate among the 20 cashback offers on this site. InSoil gives you 30 days to invest. No other bonus on this site with a set number of days gives you less. 5 others also give 30 days, and 15 give you more.

The cashback is InSoil’s cost of winning a new investor, and it says nothing about the loans your money buys.

How to claim InSoil’s cashback

  1. Click the claim button on this page

    Open the link in the browser you'll register in.

    Claim bonus ↑
  2. Register and verify your identity

    Sign up, answer InSoil's questions about your investing knowledge and experience, open your payment account at ConnectPay and verify your identity with Ondato. The account behind the InSoil review was verified in about ten minutes, in August 2026.

    ~10 minutes
  3. Deposit and invest within 30 days

    A bank transfer to your InSoil e-wallet takes up to two working days to arrive. Every euro you then invest in your first 30 days counts toward the 2% cashback.

    Ongoing
  4. Receive your cashback

    InSoil usually pays cashback into your e-wallet in the month after the loan you invested in is fully funded and disbursed.

What is the cashback worth for your amount?

Bonus value calculator
What the bonus pays at €2,000 invested
Bonus
€40
Added to your first year's return, once
+2 percentage points

Common mistakes that reduce the bonus

Leaving cash in the e-wallet
Only invested money earns InSoil's cashback. Money still sitting in your e-wallet after day 30 earns nothing.
Registering without the link
An account opened without the link earns no cashback, because InSoil pays it to new investors who register through a partner link.
Ad blocker during sign-up
An ad blocker can stop the link from crediting your sign-up, and then the cashback never tracks. Turn it off until the account exists.
Selling a loan within 30 days
InSoil's offer counts an investment only while it stays active for 30 days from its investment date, so a loan you sell on the secondary market sooner drops out of the cashback.

Offer history

InSoil has 1 offer open to new investors on record, its current 2% cashback, running since August 2026.

Offers on InSoil
Offer Conditions From Until
2% cashback Invested within 30 days RunningVerified 10 Nov 2026Claim

The dates come from InSoil's own terms, posts and announcements, and from archived copies of its website. A date marked "or earlier" or "or later" is the first or last day the evidence shows the offer running.

How InSoil's offer compares

InSoil's offer pays €40 on €2,000 invested. Of the other 23 bonuses on this site, 3 pay more on that amount and 20 pay less.

The list groups the offers by each platform's rating, from Recommended and Investable down to Not recommended. Within each group, the offers run from the most to the least they pay on €2,000. The Not recommended group is ordered by rating instead.

  1. LANDE bonus · 3% cashback

    €60 on €2,000

    3.3/5 · Investable

  2. Mintos bonus · €25 bonus

    €25 on €2,000

    4.0/5 · Recommended

  3. Nectaro bonus · 1% cashback

    €20 on €2,000

    3.0/5 · Investable

  4. VIAINVEST bonus · 0.5% cashback

    €10 on €2,000

    3.4/5 · Investable

  5. TWINO bonus · 0.5–2% cashback

    €10–€40 on €2,000

    3.0/5 · Investable

  6. Go & Grow bonus · €5 bonus

    €5 on €2,000

    3.8/5 · Recommended

  7. PeerBerry bonus · 0.5% extra interest

    €3.33–€10 on €2,000, depending on loan length

    3.0/5 · Investable

High risk

  1. InSoil bonus · 2% cashback You're here

    €40 on €2,000

    2.6/5 · High risk
    Claim bonus

    Opens insoil.com

  2. Lendermarket bonus · 1.5% cashback

    €30 on €2,000

    2.3/5 · High risk

  3. Robocash bonus · 1–2.5% cashback

    €20 on €2,000

    2.8/5 · High risk

  4. Esketit bonus · 0.5% cashback

    €10 on €2,000

    2.0/5 · High risk

  5. Monefit bonus · 0.25% cashback

    €5 on €2,000

    2.7/5 · High risk

Not reviewed yet

  1. Modena bonus · €25 bonus + 1% cashback

    €45 on €2,000

    Not reviewed yet · Unregulated

  2. Triple Dragon Funding bonus · 1% cashback

    €20 on €2,000

    Not reviewed yet · Unregulated

  3. Devon bonus · 1% cashback

    €20 on €2,000

    Not reviewed yet · Unregulated

  4. Afranga bonus · 0.5% cashback

    €10 on €2,000

    Not reviewed yet · ECSP

  5. Indemo bonus · 0.5% cashback

    €10 on €2,000

    Not reviewed yet · MiFID II

  6. Crowdpear bonus · 1% extra interest

    €5–€20 on €2,000, depending on loan length

    Not reviewed yet · ECSP

Bonuses on platforms rated Not recommended

  1. Debitum bonus · 1% cashback

    €20 on €2,000

    1.6/5 · Not recommended

  2. Hive5 bonus · 1% cashback

    €20 on €2,000

    1.5/5 · Not recommended

  3. Estateguru bonus · 0.5% cashback

    €10 on €2,000, paid as investment credit

    1.3/5 · Not recommended

  4. Lonvest bonus · 0.25–1% cashback

    €5–€20 on €2,000

    1.3/5 · Not recommended

  5. Maclear bonus · 3% cashback

    €60 on €2,000

    1.3/5 · Not recommended

  6. Loanch bonus · 1% cashback

    €20 on €2,000

    1.0/5 · Not recommended

All P2P bonuses are on one page, in the same order.

Frequently asked questions

Do I need an InSoil promo code?

No, you don't need an InSoil promo code to get the InSoil bonus. Signing up through our referral link gives new investors 2% cashback as of November 2026. Our referral link is an affiliate link we earn a commission on, not InSoil's refer-a-friend program. No referral code or bonus code is needed either. InSoil's own promo codes go in a field during the investment process, before you confirm an investment. InSoil's sign-up cashback needs no code.

Can I get the bonus if I already have an InSoil account?

No, the InSoil bonus is for new investors only. The sign-up bonuses of other platforms are listed under all P2P bonuses.

When do I get the InSoil bonus?

Usually in the month after the loan you invested in is fully funded and disbursed, per InSoil's page on cashback offers. InSoil credits cashback to your InSoil e-wallet.

Do I pay tax on the InSoil bonus?

Whether you pay tax on the InSoil bonus depends on the country you're taxed in. The tax rules checked for the 31 countries this site covers don't mention P2P platform bonuses directly, as of October 2026. Finland's income tax act comes closest. Since 1 January 2026, Finland's income tax act treats cashback earned on investments as capital income. Whether the Finnish rule covers foreign P2P platforms is unsettled. In other countries, a bonus can count as investment income, as other income or, in some readings, as no income at all. The category decides your tax rate and whether a tax-free allowance for small amounts applies. Your tax authority or a tax adviser can tell you which category applies to you.

How does InSoil's referral program work?

InSoil's referral program gives both the inviting investor and the friend who signs up through their link cashback on the referral terms active at the time, per InSoil's referral page. InSoil publishes no fixed referral rate, as of November 2026.

How much do I need to invest to get the InSoil bonus?

€100 is the least you can invest to get the InSoil bonus. €100 is InSoil's own minimum, and the bonus sets no minimum of its own. Each investment has to stay invested for 30 days to count toward the InSoil bonus.

Is InSoil the same platform as HeavyFinance?

Yes, InSoil is the platform that operated as HeavyFinance until it took the InSoil name in April 2025. InSoil investors still contract with the same Lithuanian company, UAB Heavy Finance. The link on this page still passes through the heavyfinance.com domain on its way to InSoil's site, as of November 2026.
Uffe Stjernholm
Uffe Stjernholm
P2P investor since 2018

European P2P lending investor since April 2018. Active across numerous platforms with my own money on the line. Survived the 2020 COVID liquidity crunch and its wave of originator collapses — and learned its hardest lesson: never trust a buyback obligation from a thinly capitalised originator.

8+ years experience Own money on 8 of 21 reviewed platforms