Platforms with bonuses & cashback
Several crowdlending platforms run ongoing promotions — sign-up bonuses, cashback on funded loans, loyalty tiers that lift the effective yield on a portfolio over time. Treated carefully, these can add 0.5–2 percentage points to your first-year return.
Treated carelessly, they can also push you toward platforms whose underlying loan quality is weaker than the promotional headline. The reviews below quantify the net effect — promotion plus historical performance, not promotion alone.
What to read in the fine print
Three traps recur. Minimum holding periods that lock you in for months. Qualifying loan types that exclude the segment you actually want to invest in. Capped rewards that look generous in percentage terms but cap at small absolute amounts.
Composite of verified investor reviews, editorial review and regulatory standing.
- Bonuses can add 0.5–1 % to first-year returns.
- Cashback campaigns reward portfolio growth or referrals.
- Never invest just for the bonus — the underlying loan still has to perform.
- Bonus terms can have minimum holding periods or activity requirements.
Picking a platform in «Platforms with bonuses & cashback».
Read the small print: minimum deposit, holding period, qualifying loans. A 1 % cashback locked for 12 months on bad loans is not a deal.
Frequently asked.
Are bonuses taxable?
In most EU jurisdictions, yes — typically as other income or as a reduction in the cost basis. Check with a local tax advisor.