Mintos Auto-invest Strategy – The Best Tips and Tricks

Making an investment strategy on Mintos is very important if you want to secure a safe portfolio. Furthermore, by making a clever strategy you can achieve high returns while keeping your portfolio safe.

Your Mintos investment strategy should reflect the risk levels you are willing to make. Therefore, you will have to evaluate the loan originators and features of Mintos to make a calculated risk assessment. In this post, I will help you to implement my own strategy which is an easy strategy that can generate a 13% interest rate with no defaults.

Personally I have reached a weighted average interest of +13%, with no defaulting loans. The secret is to have a strategy that provides high returns while having loan originators which haves buyback guarantee and interest on delayed loans. This way, you will accrue interest on delayed loans, and if they are more than 60 days delayed they will be bought back with interest.

Interest rate on Mintos
Interest rate on Mintos

The picture above shows the interest rate, loan term, and the loan types that the strategy I will describe in this post provides. This strategy will provide a stable income, with 13% in interest. You can follow my monthly income to see how much my interest rate has changed with this strategy. My monthly income can be viewed here.

My strategy is based on my personal experience from over 1 year of investing and what I have learned through other blogs.

You can sign up to Mintos and start earning a stable return of 13% with buyback guarantee

Mintos Auto-invest Strategy To Setup In Under 5 Minutes

If you just want to throw yourself at it, here is a TLDR (To Lazy Didn’t Read). The strategy is very simple to execute once you learn what to look for. The basics of the strategy are listed below.

  1. Only loans with buyback guarantee.
  2. B- Mintos Ratings and up (select your own risk tolerance) and double-check on ExplorerP2P’s rating, preferably 60 and above.
  3. Only loan originators who pay interest on delayed payments (Important).
  4. Auto-invest 1: from 13% and upon the primary market.
  5. Auto-invest 2: from 12% and up on the secondary market. Maximum of 60 months.
  6. Auto-invest 3: from 12% and upon the primary market. Maximum 12 months.

Setting up the Mintos auto-invest will take about 5 minutes if done efficiently.

1. Mintos Buyback Guarantee

Having a buyback guarantee is very essential if you do not want to lose money when going for the riskier loans. The buyback guarantee is used if a loan is more than 60 days past the due date. The loan will be repurchased from the loan originator. However, it is important that the loan originators you choose have the financial fitness to repay you if the bad times should occur. This brings me to the second bullet-point, the Mintos rating.

2. Mintos Rating And ExplorerP2P Rating (Selecting A Risk Tolerance)

Selecting your risk level is one of the key aspects of your portfolio. Mintos has done some of the work for you if you are willing to use their judgment. It is important to keep in mind that Mintos do have inside information about the loan originator’s business that cannot be found on a financial balance sheet. However, ExplorerP2P rating is a better indication of how well the loan originators are performing.

2.1. Mintos Rating

Mintos has done a rating of their loan originators, which they call “Mintos Rating”. The rating is a scale to quantify (put a number on something) the condition of the loan originators. While Mintos is interested in making money like any other business, they accept a higher risk of being in the P2P lending business. To help the investors manage their risk, Mintos has made the Mintos Rating. The rating is a letter between A+ and D where A is best and D is worst.

Mintos Ratings of Loan Originators
Mintos ratings of loan originators

Mintos base their due diligence process on 5 different topics: operating environment (10%), company profile (15%), management and strategy (15%), risk appetite (20%) and financial profile (40%). Their due diligence process is a walkthrough of the 5 mentioned steps. Based on a grade from the different topics, the loan originators are ranked from A+ to D. The A+ ranking is for loan originators with good financials and have good management. Whereas the D ranked loan originators have financial trouble.

A good grade typically also means a low-interest rate, and a poor grade typically means a high-interest rate. Hence, the risk to reward ratio is graded.

2.2. ExplorerP2P Mintos Rating

ExplorerP2P has done a very good job of keeping an updated list of all loan originators’ financial performance. While Mintos might have a better overview of the business as a whole, I certainly think ExplorerP2P ratings are much better when it comes to the financials.

Visiting ExplorerP2P’s rating of Mintos’ loan originators you will also get the general idea that this is a list in constant change. This is because of ExplorerP2P’s hard work and dedication to post updates as soon as the loan originators release financial statements. Furthermore, they follow the news issued from Mintos to make updates in chase of loan originators defaulting.

Preferably you will be having loan originators rated 60 or above.

ExplorerP2P's Mintos Loan Originator Ratings
ExplorerP2P’s Mintos Loan Originator Ratings

If you want to evaluate your risk based on another rating, you can visit

3. Selecting Loan Originators With The Right Features

Selecting the right loan originators can be done in several ways. One is to let the Mintos rating decide, another is to go through ExplorerP2P’s Loan originator list, a third option is to make your own strategy based on the topics you find suitable for your strategy. If you are going to make your own strategy, I think you should consider covering the following topics:

  • Buyback guarantee
  • A personal rating of the loan originators (Look into the loan originators financials, management, historical track history and a look at their customer base, etc.)
  • Accruing interest on delayed payments

Accruing Interest On Mintos’ Loan Originator

To have a successful portfolio on Mintos it is important to include loan originators that offer accruing interest on their loans. Currently, ~20% of my portfolio is late. However, due to my selection of loan originators providing accruing interest on delayed loans, I will get the interest for the period the loans are late as well.

To find which loan originators provide accruing interest on delayed loans, you want to head to –> Loan originators –> Details or you can click here (link to the loan originator details). Here you will find a column called “interest income on delayed payments”. This will ensure that the late loans (because loans will be late, no matter the loan originators you select) will continue to generate interest income.

Interest on delayed payments
Interest on delayed payments

Sadly, this is a manual process and you will not be able to find a square you can “tick off” in the auto-invest settings.

4. – 6. Interest Rate, Marketplace And Loan Term

From the 4. step of the Mintos investment strategy list, I have chosen to take every loan I can get above 13%. This is simply because there is not that many loans available with the criteria from the 3 previous bullets of the list with a 13% interest. Therefore, I do not limit the loan term. The 5. bullet from the list is 12% interest with a maximum loan term of 60 months. Based on my personal experience I have found that loans that are longer than 5 years (60 months) do not give higher than 12% interest. Therefore, I have limited the loan duration to 60 months. Otherwise, my auto-invest would be funded in seconds with loans above 60 months with a 12% interest. Therefore, to get a better chance of higher-interest loans.

The last and 6. bullet in the list is if I no longer can find loans that can provide me with more than 12% interest. Then I will find loans on the primary market which gives 12% at a maximum of 12 months. I have limited the loan term to 12 months. Hence, the loans will be paid back in bigger chunks so it can be reinvested at a faster rate if loans with higher interest become available.

My personal Mintos auto-investment strategy
My personal Mintos auto-investment strategy

Mintos Invest & Access

Another strategy Mintos provides themself is the “Mintos Invest & Access”. It is an automatically created portfolio. You deposit a minimum of €500. The Invest & Access is made for investors who want to be the first to acquire high in demand loans and to diversify between loans.

The Invest and access strategy provides an average interest rate of 10,03%. Which is not a very high-interest rate, compared to what I have managed to achieve.

Mintos Invest & Access
Mintos Invest & Access

I am following different forums on Facebook and Reddit about P2P lending platforms. While I have no experience of the Invest & Access investment portfolio myself, I have found from the forums that people are seeing up to 50% late payments. Remember, the Invest & Access portfolio does not only include loan originators which provide accruing interest on delayed loans. Therefore, you could worst case have a portfolio with 50% late payments, which does not even give you the interest of the delayed time.

While the “Mintos Invest & Access” portfolio is literally depositing €500 to your account and forget about it, it only generates 10% interest.

Screenshot Of Auto-invest Setup

Screenshot of 1. Auto-invest Strategy
Screenshot of 1. Auto-invest Strategy


Having a Mintos investment strategy is important to the success of your average interest rate and default rate. With the provided 6 bullet list I have personally achieved an average interest rate of 13%. Furthermore, I have never had any defaults (loans which are not repaid, that I would have to pay for). The strategy is simple and with this simple guide, you should be able to implement the strategy within 5 minutes yourself.

If you prefer to do literally nothing yourself and are happy with a 10% average interest rate, you can also go for the Invest and Access portfolio offered by Mintos themselves. However, I would recommend you to use the auto-invest tool and implement the strategy I have provided you in the post, or at least make one yourself.

Disclaimer: This post may contain affiliate links. I may receive a commission when you, the visitor, uses an affiliate link. Investing involves risk of losses.
Default image
I am ThePoorInvestor and I am on a financial independence journey. I am investing in P2P-lending to create a high cash-flow return. I disclose my income, expenses, investments, and everything financially relevant.
Articles: 79


  1. Hello! Many many thanks for your blog! I really appreciate the information you give ! One question the strategy that you mention here is not the same as the one in the review.
    The first strategy on this page has a 12 months limitation and 13.5%, and the other one doesnt (13% and unlimited). Which one did you do and why? Also I am not clear on why there is the 2 other portfolios? Because there are not enough loans available?

    Thanks !!

    • Hi Michael,
      Thank you for your kind words. I hope you find the content on my blog helpful!

      Let me 100% clear. My auto-invest strategy is as follows:
      First priority: 13% interest with no limitation on loan term.
      Second priority: 12% interest on the secondary market with 60 months loan term limitation.
      Third priority: 12% interest on the primary market with 12 months loan term limitation.

      The reason I have 3 different strategies is that there is not always enough loans to fill my portfolio with just 1 strategy. However, if I went for a 10% interest as my first priority, there would be no need for the 2 other strategies.
      The reason I have no limitation on my first priority is that I want at least 13% interest on my investment. Hence, if the loan is 1 month or 120 months does not concern me as long as I get a 13% interest.

      If you need other clarification, feel free to respond to this comment.

      Best regards,

  2. Stephan Tousgaard

    Hi Jonas,

    In the “” do you then sort out in column “Investment structure” and eventually set it to “Direct”.?

    I’ll assume that you mean that column”Interest income on delayed payments” on should be loan orginators that are marked with “yes” I’ll should add to the Auto-Invest profile?

    • Hi Stephan,
      Thank you for your comment. I do not sort on “investment structure”. However, I do sort my “Interest income on delayed payments”. I want all my loans to pay interest even when they are late, meaning it should be marked with “yes”.

      I hope it helps. Otherwise, you are welcome to comment again!

      Best Regards,

      • Hi Jonas,
        In your 3 strategies what do you set as rate in “Investment in One Loan” from 10 Euro -> ??” in your priority 1-3?

        • Thank for your quick reply. Two questions more.
          What do you select in
          1) Reinvest yes/no?
          2) Include loans already invested in? Yes/no?
          3) Diversify across loan originators ? Yes/no?

          • ThePoorInvestor

            Hi Stephan,
            1) Yes
            2) Yes
            3) Yes – Remember to go to the “Diversification settings” and click reset when you make the strategy or change loan originators. This will ensure that the money will be prioritized equally between the loan originators.
            Best regards,

        • Hi Stephan,
          I set the investment from €10 to €20 euro. I find this to be the best option with my portfolio size. It may vary based upon your portfolio size.
          Best regards,

          • Great. Thanks. Can you give me the info on your strategy 2 regards the secondary market about YTM and Discount/premium?

          • ThePoorInvestor

            Hi Stephan,
            Here you go. I posted a picture.
            Mintos 2nd auto-invest strategy
            Best regards,

  3. There is no option on “Interest income on delayed payments ”when setting Auto0invest plan. So I need to manually choose and remove Originators? Or am I missing something?

    • Hi Silas,
      Sadly there is no option in the actual auto-invest setting menu to select “interest income on delayed payments”. You have to manually select the loan originators which offers the interest on delayed payments. You can find the info from the loan originator details.
      I hope it helped.
      Best regards,

  4. Hi Jonas,
    Could you please reply on my message from 07.02.2020, thats awaiting moderation:)

    • Hi Stephan,
      I have no comments in moderation. What comment are you referring to?

      Best regards,

Leave a Reply