LenderMarket vs Mintos
Which platform performs better in 2026? Anonymized data from real investor portfolios on P2P Dash: returns, sentiment and facts side by side.
Head to head at a glance
Community data compared
As of August 3, 2026
 LenderMarket |  Mintos | |
|---|---|---|
| Community ranking 2026 | #22 of 34 | #16 of 34 |
| Median net return (XIRR) | 18.1% | 10.9% |
| Median cash drag | 3.6% | 3.0% |
| Investors on P2P Dash | 379 | 969 |
| Combined portfolio value | €2.85M | €9.56M |
| Interest earned all-time | €859K | €3.28M |
Platform facts
| Founded | 2019 | 2015 |
| Headquarters | 🇮🇪 Ireland | 🇱🇻 Latvia |
| Regulated | Yes | Yes |
| Buyback Guarantee | Yes | Yes |
| Secondary Market | No | Yes |
| Auto-Invest | Yes | Yes |
Returns year by year
Median net return per calendar year, from the portfolios that track each platform.
LenderMarket
17.4%
Last 12 months · All time 18.1%
69 investors
Mintos
10.3%
Last 12 months · All time 10.9%
202 investors
15.9%
9.6%
2021
17.3%
6.8%
2022
17.3%
10.3%
2023
16.8%
10.2%
2024
19.6%
11.3%
2025
15.8%
8.9%
2026
LenderMarket came out ahead in 6 of the 6 years both platforms have data for.
How far apart investors land
The bar covers the middle 50% of investors, the mark is the median.
LenderMarket Middle 50% of investors: 15.6% – 20.9%
Median net return (XIRR): 18.1%
Mintos Middle 50% of investors: 9.0% – 12.6%
Median net return (XIRR): 10.9%
Mintos investors sit closer together: 3.6% between the 25th and 75th percentile, against 5.4%.
What investors plan to do next
The strategy each investor stated for the platform, from adding funds to exiting.
LenderMarket 49% · Based on 109 stated strategies
Mintos 55% · Based on 242 stated strategies
Where the money is going
Deposits minus withdrawals per month over the last year, across the investors who track each platform.
LenderMarket +€832,227
Net flow, last 12 months
+172 tracked investors over the year
Investors who track both
276 investors track both platforms.
73% of LenderMarket investors also track Mintos.
28% of Mintos investors also track LenderMarket.
What the data says
Measured by real portfolios on P2P Dash, LenderMarket currently delivers the higher median net return: 18.1% versus 10.9% at Mintos.
Investor sentiment currently favors Mintos: 55% of stated strategies are “add funds” or “reinvest”, versus 49% at LenderMarket.
Mintos is the bigger platform on P2P Dash, with 969 investors tracking it versus 379 for LenderMarket.
Anonymized, nightly aggregated community data from P2P Dash portfolios. Past performance is no guarantee of future results. This is not investment advice.
Frequently asked questions
Answers based on anonymized community data from P2P Dash investors.
Which delivers the higher return: LenderMarket or Mintos?
Among P2P Dash investors, LenderMarket currently shows the higher median net return (XIRR): 18.1% versus 10.9% (as of August 3, 2026). The middle 50% of portfolios earn 15.6% – 20.9% at LenderMarket and 9.0% – 12.6% at Mintos.
Which has done better recently, LenderMarket or Mintos?
Over the last 12 months LenderMarket shows the higher median net return: 17.4% against 10.3%. All time the figures are 18.1% for LenderMarket and 10.9% for Mintos (as of August 3, 2026).
Where do investors put new money right now, LenderMarket or Mintos?
As of August 3, 2026, 49% of stated strategies at LenderMarket are “add funds” or “reinvest”, compared to 55% at Mintos.
Do investors use LenderMarket and Mintos at the same time?
276 investors on P2P Dash track both platforms. 73% of LenderMarket investors also have Mintos in their portfolio.
How do I compare my own returns on LenderMarket and Mintos?
Import your transaction exports from both platforms into P2P Dash for free. You get your real net return (XIRR), cash drag and income per platform, directly comparable in one dashboard.
See your own numbers side by side
Import your portfolios from both platforms for free and P2P Dash shows your real net return (XIRR), cash drag and income, per platform and combined.