Loanch Bonus 2026: Get 1% Cashback on Your First 90 Days

The Loanch bonus is 1% cashback on the average amount new investors keep invested each day over their first 90 days, as of November 2026. Loanch pays the bonus only for sign-ups through a partner link. Loanch is rated 1.0 out of 5, Not recommended, in the Loanch review.

By Uffe Stjernholm
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Loanch logo

Loanch

1.0/5 · Not recommended

1% cashback

On the average amount you keep invested each day over your first 90 days

€20 on €2,000 · +1 percentage point on your first year's return

Withdrawals before day 90 reduce the cashback

Checked against the offer listing for affiliate sites

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

First Investment Bonus €20 until 31 Dec 2026

Claim bonus

Opens loanch.com

Bonus
1%
Cashback
Required
€10
Platform minimum. No bonus minimum.
Time to invest
90 days
Hold
Day 90
Withdrawals before then reduce the cashback
Referral code
None
Via the link

What is the Loanch bonus?

Loanch’s welcome offer pays new investors 1% of their average daily Loanch portfolio over their first 90 days after registration, credited to their Loanch account. Loanch’s overview of its rewards says the account shows the welcome bonus with “the average daily portfolio used for the calculation”, its payment date and its status.

Loanch's 1% is the most common rate among the 20 cashback offers on this site.

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

How to claim on Loanch

  1. Open the link on this page

    Sign up through the link on this page. The referral code field on Loanch's sign-up form can stay empty.

    Claim bonus ↑
  2. Register and verify your identity

    Loanch verifies your identity before you can use the platform. Only private individuals aged 18 or older can sign up, and under Loanch's terms of 30 September 2026, accounts approved since 17 April 2026 need residence in the European Economic Area or Switzerland.

  3. Invest early in the window

    Loanch's rewards overview says it calculates the welcome bonus from your average daily portfolio, so money invested early in the window counts for more days. Auto-invest reinvests repayments for you.

  4. Receive the cashback

    Loanch credits the welcome bonus to your Loanch account, and its rewards page shows the payment date and status.

What is the cashback worth for your amount?

Bonus value calculator
What the bonus pays at €2,000 invested
Bonus
€20
Added to your first year's return, once
+1 percentage point

Mistakes that reduce the cashback

Leaving cash uninvested
Cash waiting in your Loanch account isn't part of your portfolio, so it adds nothing to the welcome bonus.

Offer history

Loanch has 6 offers open to new investors on record since March 2025. 5 of them are campaigns, and 1 is its standard sign-up offer. The latest campaign, Early Bird Returns, ended on 30 September 2026. Loanch has started 3 campaigns since November 2025.

Offers on Loanch
Offer Conditions From Until
First Investment Bonus €20 bonus €500+ invested within 7 days Verified 3 Nov 2026Claim
1% cashback Invested within 90 days RunningVerified 10 Nov 2026Claim
Early Bird Returns 1–3% cashback €500+ invested
New Year Cashback 1.5–3% cashback €500+ invested
Early-Bird Investment Bonus 1–3% cashback €500+ invested
Spring Investment Cashback 1–3% cashback €600+ invested

The dates come from Loanch'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 Loanch's offer compares

Loanch's offer pays €20 on €2,000 invested. Of the other 23 bonuses on this site, 6 pay more on that amount, 6 pay the same and 11 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

    €40 on €2,000

    2.6/5 · High risk

  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 You're here

    €20 on €2,000

    1.0/5 · Not recommended
    Claim bonus

    Opens loanch.com

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

Frequently asked questions

Do I need a Loanch referral code?

No, you don't need a Loanch referral code to get the Loanch bonus. Signing up through our referral link gives new investors 1% cashback as of November 2026. Our referral link is an affiliate link we earn a commission on, not Loanch's refer-a-friend program. The Loanch sign-up form has a referral code field, and the Loanch bonus doesn't need anything in it. No promo code or bonus code is needed either.

Can I get the bonus if I already have a Loanch account?

No, the Loanch bonus is for new investors only. Existing Loanch investors can still earn more through Loanch's loyalty program.

Do I pay tax on the Loanch bonus?

Whether you pay tax on the Loanch 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 Loanch's refer-a-friend program work?

Loanch's refer-a-friend program pays the inviting investor and the friend 1% each of the friend's average daily portfolio over the friend's first 90 days, up to €500 each.

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

€10 is the least you can invest to get the Loanch bonus. €10 is Loanch's own minimum, and the bonus sets no minimum of its own.

Can I combine this bonus with Loanch's campaigns?

Yes, the Loanch bonus combines with Loanch's First Investment Bonus campaign, according to the campaign terms.

Has Loanch offered other bonuses before?

Yes, Loanch has 6 offers open to new investors on record since March 2025. 5 of them are campaigns, and 1 is its standard sign-up offer. The latest campaign, Early Bird Returns, ended on 30 September 2026. Loanch has started 3 campaigns since November 2025.

What kind of loans am I investing in?

Loanch sells claims on consumer loans from Malaysian loan originators, which paid 11% to 15.9% a year in August 2026. One of them, Tambadana, wholly owned by the Singapore group Fingular, held 99.8% of investors' outstanding money on Loanch on 20 October 2026, per Loanch's statistics. Loanch's risk statement says most of its loan originators offer a buyback obligation, and it puts the trigger at 60 days late where Loanch's homepage says 30. That buyback is owed by the loan originator, so on Loanch it's only as strong as Tambadana's balance sheet.
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