Top P2P bonus

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cashback links

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my ratings 2023

Reading time: 1 min

 

Here, I mention some of the highest running Peer to Peer Lending cash-back and referrals in Europe    (bookmark this)

 

Many new investors are looking for a proper list with  ratings and signup bonus (if active), here is the last update of the best P2P lending bonus

 

►WHO

 

SOME P2P WEBSITES OFFER CASH BACK AND “REFER A FRIEND LINKS” REWARDS (UP TO £/€500) TO THOSE WHO SIGN UP AND INVEST WITH THEM

 

►WHAT

 

the P2P bonuses ALSO AVAILABLE TO MOST INTERNATIONAL AND ALSO NON-EUROPEAN INVESTORS

 

▶︎WHY

 

The main reason for such a generous bonus can be that many are not familiar yet with this new way of online investing and may need an incentive.

 

 

The best Peer to Peer Lending bonus comes and goes and some can be tempting, but be aware that conditions apply.

Some British P2P offer up to £1500 to new investors, and some selected European P2P give a nice 1% on the first deposits no-limit. Some products on the list can be affiliated but I mention it anyway. All P2P ratings are based on my unbiased opinion.

I cannot guarantee you’ll get the cash back, but it normally works fine. A rich P2P bonus should not be the only reason to sign up.

 

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HOW DO I DO TO MAKE SURE I DON’T LOSE THE P2P BONUS?

 

1. First of all, I decide whether “peer to peer lending” or “crowdfunding real estate” is right for me. I ask for advice and/or I collect info from other cautious and active investors.

2. To access and enjoy a welcome sign-up bonus, I look for a list of link bonuses already tested by someone in the past (such as those listed below). Also, any fresh referral links from friends who are active investors
 will do.

3. I use exactly one of those links to access the site where I want to register (I can register without having to invest. I am very curious and usually I sign up to any P2P tool even if I’m not going to invest there, just to study the tool)

4. I subscribe by entering my real data and a good email ( I also check that the confirmation email have not ended up in the spam folder, as often happens)

5. I read “Terms and cond. of use” and then, if I intend to invest, I make a deposit (normally I use the free SEPA transfer, but sometimes I can also use credit card)

6. I don’t wait. I set the system to invest right away for me, because most P2P websites need me to invest, not just sign up to pay the cash back. (Only NEO Finance and Bondora pay the bonus right upon registration)

 

Here is the updated list of P2P Lending bonus and referrals:

DOWNLOAD MY P2P LENDING CHECKLIST

❌TYPICAL ERRORS THAT CAN MAKE ME LOSE MY ENTITLEMENT TO BONUSES AND CASHBACK OF FIRST-TIME MEMBERSHIP TO P2P LENDING SITES ARE:

 

• Typing the name of the site in the browser directly does not give access to any bonuses. I need a list of running referral/bonus links or a friend with a referral link for me.
• Not to cancel cookies before signing up. What? Yes, older visits to P2P websites might have left a cookie on your device. To be sure that your first sign up is made by using a working link, it is safer to cancel cookies and access the elected P2P website through a reliable promo link. The links above are updated fairly often.
• Not meeting the terms. One of the conditions that usually makes people lose the bonus is to make the deposit several weeks after registering. Some P2P websites set a maximum of 30 days from the time of the registration to the time of first active investment. They do this to push me to start investing immediately; other websites allow up to 90 days to do so.
• Deposit but not invest. I know what you are thinking, stop it… I can hear your thoughts…why not deposit 20K, get the 1% bonus (or 500£ or whatever I’m entitled to) and then bring it all back in my personal bank account? I am sorry to inform you that it would not work like this. You still feel free to try out.

 

Sometimes, in the past, I registered directly to P2P sites without using any active “referral link”

 

It happened to me because I didn’t know there was a bonus or because I was given old or expired links.

It was frustrating not to cash in a bonus that was there for me. Even a cashback of just 1% of investment means a lot in my opinion if the effort to get it is so little.

To get the bonus anyway, I had to sign up again using a fresh referral link and a different email. Some people even use the data of a “consenting and informed relative.” When I have doubts, I always email my questions to customer service and usually I get satisfactory answers.

Should they not answer properly, well, I would definitely run away.

 

This list is not intended to be a ranking of the highest Peer to Peer Lending Cashback.

 

I have nevertheless avoided mentioning tools that, for a number of reasons:

 

• I do not find reliable

• I don’t completely understand

• Are not transparent

 

I MAINLY USE THREE SYSTEMS TO PROTECT MY MONEY LENT ON THE P2P WEBSITES:

 

1. One is by selecting only the safest loans with good ratings. It seems a trivial thing, but it’s just where most investors fail. When choosing between a 9% interest loan and a 29% high-risk loan, greed can get us wrong. Risky loans reward more as they easily go late (or default)
2. The second thing I do is favour P2P tools with a secondary market. In doing so, I can try to get rid of my loans offering late loans with a discount. I can also sell my entire portfolio and get most (or more) of the money back in case of need.
3. The third system is by preferring P2P tools that offer some sort of safety net. These can be offered in many ways. They can help, but I don’t trust it blindly. It is “nice to have” an extra thing.