--- title: 'Invierto 3.000€ en Préstamos en Mintos, paso a paso (Mes 1)' source: 'https://youtube.com/watch?v=oqGZV_gbNj0' video_id: 'oqGZV_gbNj0' date: 2026-08-06 duration_sec: 1283 --- # Invierto 3.000€ en Préstamos en Mintos, paso a paso (Mes 1) > Source: [Invierto 3.000€ en Préstamos en Mintos, paso a paso (Mes 1)](https://youtube.com/watch?v=oqGZV_gbNj0) ## Summary In this first installment of a planned series, the creator invests €3,000 in loan-based investments on Mintos, Europe's largest loan investing platform. The money is split evenly: €1,500 goes into 15 manually selected individual loans (€100 each), and €1,500 goes into Mintos' predefined Core Loans portfolio. The goal is to compare both approaches in real time and follow up with at least two more videos over the next two to three months. ### Key Points - **Experiment Setup** [00:02] — Investing €3,000 in Mintos loans, split €1,500 into manually selected loans and €1,500 into a predefined Mintos portfolio, with at least two follow-up videos planned over 2-3 months to show real, unedited results. - **How Mintos Loans Work** [01:22] — Investors can filter loans by currency, Mintos Risk Score, loan type (personal, business, vehicle, mortgage, revolving), lender, return, and remaining term. Loans are called 'notes' or 'series of loans.' - **Advantages of Loan Investing** [02:44] — Three main advantages: high returns of 8-14% with regular monthly payments, passive investment requiring no ongoing work, and lower volatility than the stock market since expected monthly returns are more predictable. - **Disadvantages and Risks** [03:12] — Higher returns come with higher risk compared to diversified index funds (8-12% returns). Loans are less diversified and carry risks of non-payment and payment delays, making diversification across scores, countries, and lenders essential. - **Buyback Obligation** [04:20] — All Mintos loans have a buyback obligation: if a loan payment is delayed by more than 60 days, the lending institution must repurchase the loan at nominal value plus accrued interest. However, this is not 100% guaranteed — if the lending entity goes bankrupt, investors could lose money. - **Manual Loan Selection Strategy** [06:08] — Selected 15 loans of €100 each, all in euros to avoid currency risk. Used an Excel sheet to organize selections, filtering by interest rate and Mintos Risk Score, and diversifying across loan types and countries including Kazakhstan, Botswana, and Spain. - **Identical Loans Quirk** [08:23] — When two loans appear identical (same risk score, return, and originator), the one listed first often has exposure to overdue loans while the second one does not — a pattern observed across multiple cases. - **Secondary Market Opportunities** [11:58] — The secondary market allows selling loans early or buying discounted loans (up to 27% discounts). Heavily discounted loans often carry high default exposure (e.g., 100% delinquent exposure), but late payments can pay higher interest — one example showed 16.8% on outstanding payments vs. a 14% base rate. - **Core Loans Portfolio** [18:52] — The automated Core Loans portfolio has an average interest rate of 9.3%. After depositing €1,500, funds were allocated within 1-2 minutes. Mintos also offers automation filters and monthly investment plans. - **Next Steps** [20:44] — The creator promises at least two more follow-up videos to track performance transparently, and may turn the series into a monthly format if viewers find it useful. ### Conclusion The video provides a transparent, step-by-step walkthrough of investing €3,000 in Mintos loans, comparing manual selection with an automated portfolio. The key takeaway is that loan investing offers attractive 8-14% returns with buyback protection, but requires careful diversification and awareness that guarantees are not absolute. ## Transcript mines? I'm going to test it by investing €3,000 and showing the whole process step by step. What do I choose, loans? Why those investments, how do I diversify them, and what is the expected return? the associated risks and I'm going to make at least two more follow-up videos in the next two or three months to see in real time what works and what doesn't and adjust what's needed transparently, without editing the results, obviously. By the way, if you want to try Mintos, you have my link in the description where they give you a bonus when you start investing. Mintos account, which we'll go into detail about now, but if you didn't know, Mintos is Europe's largest platform for investing in loans. I'm going to divide the €3,000 into two different investments, although both will be loans. I will invest them in loans, let's say, manual loans, in the sense that I will choose which [music] series of loans, I'll show you everything now, and another €1500 in a predefined portfolio that Mintos has, well diversified, where in this one you do n't have to do absolutely anything. My goal is to see how both things work so I can compare them a bit, see which works better, and ultimately explain and show you the different features of Mintos loans in case you can make a better decision or if you simply wanted to explore. Before I show you which loans I've invested in , let me quickly explain how loans work. I about Mintos where I explain everything , but I'll just give you some context in this video very briefly. Here are the manual loans I was telling you about, where you have a very long list and where you can apply filters such as currency, see, but I usually do this in euros. And here I do diversify with Mintos Risk Score. They assign a grade depending on different variables. Types of loans such as personal, business, and vehicle loans. lender, different returns, or the remaining period to repay these loans. Although you can also invest in one, which, although it takes 58 months to recover all the capital, and although you do receive regular payments from these loans in the meantime , if you want to exit your investment earlier, you can do so in the secondary market, where you have two functions. One option is to sell your own loans to recover your receiving money, as I mentioned. Or option two is that you can also buy and invest in loans that are on the secondary market where someone else wants to sell them early, perhaps because they have some kind of urgency, need the money, and sometimes they are discounted. So, what are the advantages of investing in loans? mainly three. The first is that the returns are high, between 8 or 14% with regular, monthly and predictable payments. Second, it's a passive investment; you don't have to do absolutely anything. And third, this is not like the stock market where one day it goes up and the next it goes down and has a lot of volatility. Here you know more or less what you're going to get each month. And like everything in life, investments also have disadvantages. If it gives a higher return than usually explain on my YouTube channel about investing in the stock market, which has a return of around 8-12%. Here, higher profitability is also associated with higher risk. Think about it: when we invest in index funds, we are investing in hundreds of companies spread around the world in a diversified way and listed on the stock exchange. Here we are talking about more specific loans, not so diversified, where there is that risk, for example, of non-payment or payment delays. And that's precisely why it's important to diversify your loans, including some with higher or lower profitability because they have higher or lower scores than Mintos tells you, as well as different countries or lending entities that you're going to invest in. That said, with Mintos we have different security measures. On the one and which I'll show you later, but on the other hand, keep in mind that Mintos doesn't accept just any loan on its platform; they have strict criteria, and in some cases, if there are payment delays, the interest But I prefer to explain everything live while investing because it's better explained with an example. But before I forget, all Mintos loans have this buyback obligation which is a very good thing for us investors. It can be understood as a kind of guarantee. If a loan repayment is delayed by more than 2 months (60 days), the lending institution must repurchase the loan from the issuer for its nominal value plus accrued interest. Normally this means that investors, you and I, get their funds back, the investment in the notes, which is what the series of loans are called. Now I'll show it to you invest in a loan, it's like a series of loans. I'll explain it to you even if the borrower, who is ultimately the one who receives the money, defaults and doesn't pay their loan debt, the entity managing it must buy back your investment in the loan, which means that investors usually recover their money even if there is a default. And I say normally because we can't say that everything is 100% guaranteed in investments. For example, imagine that the entity, that loan company, goes bankrupt, even though it has the obligation to pay, if it cannot because, for example, it goes bankrupt, what then? That's why I say it 's not 100% guaranteed, like anything else in investments. Okay, and now I'll leave you with this other part of the video where I sat down the other day, calmly organized the investments, as it always has to be, and explain step by step which ones I'm investing in, both in these individual loans where I invest €1500 and the other €1500 in the portfolio managed by Mintos. I'm recording this separately to do it calmly, step by step, as all investments should be . First, what I did was deposit €3,000 into my Mintos account. I already had something I was tinkering with, so according to the plan I'm now going to invest in a series of individual loans. They will be 15 and €1 each. That's 10,000 and another 1,500 separately with the wallet. I'm going to the invest section here. I would create the wallet here, but first I'll click the explore button. I've already taken the time to loans to compare and have something diversified. What I have chosen is that they all be in euros, because if they are in another currency, the profitability could be affected and I didn't want to expose myself to that, so I simply wanted them all in euros. What I have been playing around with is the interest rate, which is this one we see here, and you can click to sort them from highest to lowest, and with the Mintos Risk Score, for example, hey, I want them to be at least eight, seven, whatever, and it filters it for you. And they also wanted to diversify into different types of loans, some for short- term vehicles. I've seen that not everyone is available under the conditions I want, for example, for risk score doesn't matter, but it has to be in euros and it has to be agricultural loans, for example, you'll see that there are no results. So not in this case. What I've done is play around with this, calmly, as I said, and I've been doing it in an Excel sheet. Here's the link to click on and it will take you directly to where you can invest in this specific loan. That way I have everything organized and I don't go now this one, now that one , but first I choose them all and then I execute the plan. Simply because I like to arrange it that way. You see that I have different types of mint scores with different types of loans, especially mortgage, commercial, personal, revolving personal, which are like lines of credit, we will see the different interest rates, countries and everything in this case of the primary market. To make it this column, which is a ratio I applied that is simply the multiplication of the Mintos Score and the interest, just to see which ones had the best relationship. For example, if there was a Mintos Score of 9.9, which would be excellent, and on top of that they paid 20% annually, well of course, it would be a very good loan, right? That's why, but again, don't focus too much on this because maybe right now it has a better ratio, but it starts to see defaults and the profitability drops significantly. I just wanted to see it out of curiosity. One curious thing I've noticed, and maybe it will be useful to you, is the following. When loans are equal, Mintos orders them in the following way, at least that's what I've found. For example, this is a vehicle loan. This one is personal, and this one is also personal. Both of them are 9.4 and both have a return of 9.7 with the same loan originator, so apparently they are the same. If you open both, I'll click here and open both for you. You see that it's 9.4, both are the same, but the difference is that the first one you open, that is, the first one, the one that's a little higher up, may have exposure to overdue loans, while if you open the second one, which is all the same, it doesn't have exposure to overdue loans. I don't know if it's done on purpose or not, but I 've seen it in different cases, since I was looking around and that's how it happens. So if you liked this little detail, smash that like button. Thank you so much. I've also been looking at the payment schedule, which is this one here. Many of the lines don't say anything here. Many of the lines don't say anything because they're old, like 2024, 2025, things that have already been done and maybe they updated their tracking method and don't have this info. But if you swipe right now, it appears here. Look, from this date, the next payment would be on June 7th, which in this case has already passed when I am recording this and it says that it was paid after the due date. So I understand that there was a delay in the payment, but it has now been paid and the following payments are scheduled for June 11, June 15, June 15, blah blah blah. And so you have the entire calendar down to every month. We're going to invest each of these loans. I'll give you a couple as examples, and then you'll see that the rest is the same, and I won't bore you with that. Just to check that I'm opening the correct one, it's the that I'm opening the correct one, it's the Kazistan 7.8 vehicle TC.5. I see it here. Vehicle Kazakhstan. Everything seems fine to me. There are currently no delays with payments. This is the calendar, what I explained to you before. So everything's fine. What I'm going to do is press the reverse button. The minimum is 50, but in this case I will do 100 with everyone so I can compare them a little better. It's coming out down here in the window, can't you see it? I'm going to close it a little. There, now you see it. I press continue. I get a summary here. I can either click the confirm button or add them all like a shopping list and do it all at once. So I go to my spreadsheet, I open the following. In this case, out of curiosity and to diversify, the country is Botswana, which is an African country bordering South Africa. So anyway, I'll add it. I can check this one too . I click on invest, in this case . I click on invest, in this case also €100 add to cart. I click continue to go to the shopping cart list where I already have two loans of €100 each. Can I confirm or am I going to finish adding them all again? So this will take me a little while. When I have it ready I'll let you know or I'll show you in all this. Look, I also made one about Spain because I was excited to invest in one of the country's funds, but it won't let me invest because the available investment shows that there's nothing left, it's already exhausted, so to speak. So find another one, no big deal. In fact, I have another one here from Spain and in this case they do have it available for investment, so I will be able to do this one. Excellent! And that's it . I already have 14 here. I would need one more for the 15th and to make 10,000, which is for that Spain that I couldn't. Since we're here, it's given us the opportunity, so to speak. I'm going to the secondary market and see if there are any good offers, because as I've also explained in other videos, if you do n't want to wait for the remaining period, imagine you start investing in this one, you have to wait 58 months to recover the €100 you invest, although in the meantime you do receive payments every month. But if you don't want to wait that long, one option is to put it on the secondary market at a price that's, let's say, fair for what it's worth. Or you can put it at a better price in case you have something more urgent and someone is interested in buying a loan, in this case yours, that is in better conditions, or you can also put it at a worse price in case of anything. Here in the differences, I clicked on secondary market. I'm also going to filter by euros, as I don't want other currencies. This is how I update this. And notice that it starts to put the order of those that are discounted, a 27% discount. I say this because if you click on price it will sort them and you can do it from good to bad or from bad to good, so to speak. See? These are at an additional 20%. You are paying 20% ​​more than the opposite. Also, if they are at a very good price. Why is that? Because it's a loan that isn't working, there are many defaults, or because this investor is in a certain hurry and doesn't care about selling it at a cheaper price , which you can take advantage of. In this case, I'm going to open one now to see it. I've already noticed that some of them are experiencing significant this one has a 100% exposure to delinquent loans. Just out of curiosity, let's look at the schedule, which shows that everyone is getting paid, but let's look at the date that corresponds to us for now, where we can see the following. I'm we can see the following. I'm recording this on June 10th, so recording this on June 10th, so May 29th has already passed, and all these payments, which were several on May 29th, because on Mintos you can see that more than one loan it's a series of loans, in fact that's what they're called. They are called what the series of notes is called, that's what they are called. It may be that some are broken down into several payments in the same month, so the profitability ends up being the same as, well, whatever, for example, 9% annually, the proportional part each month, just to clarify that. And we see that all of these from May 29th have been delayed, delayed, delayed. But then the next ones, on June 29th, which would be the next one, in my case, correct, it's scheduled to be done, but we don't know if it's also going to be delayed, we don't know when these ones that are delayed will be paid so that it then says that it's paid, but later than the due date. And you can also see some details like if there's a delay, sometimes they pay you more, you see? Interest on outstanding payments is 16.8% when the interest rate is 14%. In other words, if little more with a slightly higher interest rate , right? In all cases it depends on the loan. In this case, yes. And it's something you can search for yourself if you want; it's a manual process. But that's also why Mintos has the option to automate the telling it, "When all these conditions are met, then you can invest," and that's automated. Or another thing that where they do everything directly for you. If I can recommend anything, it's not to settle for the first investment you see, but to compare a little. I'm going to open, for example, this other one which is the same loan organizer, but to see 100% delayed. I don't mind if it has some exposure, but come on, 100%, although it's true that it's only like paying for one month. I'll look at some other options. For example, here I can select everything and remove the only one I do n't want, which is this one from Nera. So I'm going to look for it here. I deselected Nera Capital so that it now loads all but those to see some other options. For example, here the discount isn't so much 27%, but 5%. Let's see. I'm going to open a couple of these. I have them here. An 11.6, although the Mintos Risk Score is somewhat low, mainly due to the strength of the buyback, which I will explain in the other section of a self-creating portfolio . In this case, we'll see that it also has quite a few defaults, 78%. I'm going to remove these from MFO to look at other different cases. For example, things that occur to me are to check if the Mintos Score is 4.9 and the interest rate is a nu, although taking into account that I buy it with a bit of a discount, it's as if the interest were a bit higher, which is what they tell you here. Instead of a 9 it's more like a 9.8, but I mean, if I see this one which is a 7.8 or 8 better in terms of minimum risk score and on top of that they give me a higher return of 10.7 instead of a 9.8, well, a priori it looks better, right? Again, that's not the only exist, but they are things that you can start looking at. But look, do you see? This one also has a lot of exposure to delays. That's probably why they're on the secondary market. And looking around a bit, I found this interesting one that's a personal loan. Note that the Minos Risk Score is a nine, which is very good. The only thing that cooperation structure, which I honestly don't know all the details , but these are things that they evaluate. We can leave that for the next videos. There's also a small discount, about 2%. And if I open it, we can see that I've seen it before; it has no exposure to loans with delays (0%). But looking more closely at things, with time, calmly, I'm going to see the payment schedule where some have indeed been delayed, some loans have been bought back, which means that they give you back the things that are also myths that are very good. Therefore, in this case, and for the sake of diversification, I think this is a good opportunity to include in my portfolio, so I'm going to invest in it as well, with the goal of diversifying, having some exposure to the secondary market, and above all, to learn. In the end, that's how, by exposing yourself a little, you can see with your own skin what works better, worse, depending on your case, or what you are learning. Although in this case I can't because there's only €4.46 available for investment. In the end, after searching among several, I found this one here, which are mortgage loans where they have some exposure to late payments, but not too much, 18%, and in this case they do have quite a bit available for investment. So in this case I will add €100 to the cart. And now I have 15 investments selected. I'm going to continue and so I already have my portfolio of personal loans, which are all these as a summary. I click confirm and it tells me that my investments are being processed. I do n't know how long it will take right now. I'm recording this video. I'll update it for you in a little while. Now let's go for the other part: not doing any of this manually, but directly investing in a loan portfolio offered by Mintos. I click here to create a portfolio and we'll go to core loans. What I just did a moment ago was to manually select all the loans, to automate a portfolio, as I was saying, with filters, so when there's a match, it invests for me, please, with be checking every day to see that opportunity I'm looking for. This is how it's automated. But the easiest thing of all is this one with corelones, where they already set up a portfolio for you where the average interest rate is 9.3%. Click to see details. If it's your first time, you'll first see that information summary page, which is the one I showed you before, where you can see everything. In this case, it's like I already have the portfolio, I just need to invest money. That is , I press the recharge button and put in the other €1500 that I wanted to invest. You could also make an investment plan, that is, for example, each month invest a portion of the money to continue building a portfolio. In this case, I am investing €3000 in total and leaving it to see how it works later; if I want, I can always change it. I'm going to press the review button, I see everything. Okay, €10,000 into this wallet. I click confirm and that's it , your funds have been allocated. Now you'll have to wait a few minutes. For example, I have already had €300 invested and I understand that in a few seconds or minutes the rest of the loans will be invested until reaching €1500 invested. Look, €10,049 has already been invested, now €15,500. Perfect. It took 1 or 2 minutes and now we just have to wait because this is a calm, passive investment and over time we will see how the results are going and then make decisions about whether to leave it completely the same, sell some loans or anything else. What did you think? Leave it in the comments. I promise to make at least two more follow-up videos to see how everything develops. If I see that you find this useful and like this format, I'll turn it into a longer video series and we can continue month by month. I would love to do it. So if it works well for you too, like I said, leave your questions in the comments or let me know where you'd like me to go into more detail. you have my link in the description where they give you a bonus if you start investing. enjoyed it, and here's my full Mintos video explaining how it full Mintos video explaining how it works. Thanks a lot. M.