Loans in Mintos.
The center of my account.

What a place they have in my experience

When I decided to contribute more to Mintos, I was looking to increase the income I received every month. Having found that withdrawing money was simple to me gave me confidence to follow. That’s the reason I’ve told you about contributions from my account.

In the observation of 2 November 2026, loans are worth €32,459.89 and represent 97.4 % of my Mintos account. That concentration explains why I follow their payments and delays more closely than the small positions.

In the Journal I analyse the weight of loans and concentrations by country and lending company.

The configuration I checked on 23 October

When viewed on 23 October, Core Loans and the legacy “Alto rendimiento” portfolio appeared active. Their payments received did not have the same destination:

Core Loans was set to reinvest all payments received; Alto rendimiento, only principal. I therefore do not assume that interest in the statement stayed available for withdrawal. These are the settings I saw on 23 October, not a new settings check on 2 November 2026.

What is a loan, explained bluntly

A person or a company needs money and an entity lends it to them. In exchange, they undertake to return it on a few dates and pay interest. The money they have to return is called main; interest is the price of using it during that time.

Imagine a loan to buy a car. Each fee can include a portion of the money borrowed and a portion of interest. In other loans, the principal is returned at the end. That’s why the payment schedule matters: two investments with the same interest rate can return the money to you at different rates.

In Mintos there are personal loans, for vehicles, for companies, bill financing and other categories. They change the destination of money, guarantees and calendar. A loan has a vehicle or property as collateral does not mean that recovering money is immediate. Types of loans in official aid.

In Mintos purchases Notes backed by loans

The lender grants and manages the loans. You invest through Notes: securities issued by a special purpose entity of the Mintos group and backed by those loans. A series groups between 6 and 20 loans with similar characteristics; your investment is proportionally involved in the payments of all of them. You do not choose a specific person and send him the money directly. What are the Notes?.

Before investing, you can review the series' statement, its loans and calendars, the brochure and the final terms. Having several loans within a series divides the exposure between borrowers, but there are still risks linked to the institution, the country and the investment structure.

How interest is generated and how you collect it

The interest rate you see is usually expressed per year. An annual 10 % does not mean to collect a 10 % each month. Interest depends on the capital that remains invested and the days elapsed; the time of collection depends on the schedule and the payments arrive.

The payments of a series follow the loans that support it. There may be payments on different days, early repayments or delays. So, even if I look for income every month, a loan portfolio does not amount to a payroll with a fixed amount. How Reimbursements Come.

The company behind it also matters.

To understand what can happen with my money, I need to look at who is behind the loans. If a client stops paying, there is a problem with that loan. If the lender institution stops transferring the payments or cannot meet the repurchase, the problem can reach many investments at once. Risks of the lending institution.

The entity that grants the loan, the one that manages its payments and the one that responds to the repurchase can be different companies. It is appropriate to identify each in the documents of the Notes: a known brand or an attractive interest rate do not explain by themselves who has to pay or where that money will come from.

How to read the Mintos Risk Score

Mintos assigns Notes a score of 1 to 10: the higher, the lower the risk according to your assessment. It is a starting point for reviewing the investment. A 8 does not mean a 80% probability of receiving payment, or allow you to calculate how much principal you could lose. The scale has been checked against the official definition on 2 November 2026.

The evaluation is prepared by Mintos himself. The platform warns that is not a regulated credit rating. In addition, it summarizes several aspects: two investments with a similar note may have different weaknesses. To understand them, you have to open the breakdown.

The repurchase deserves special attention. An entity may have granted loans that are paying, but need liquidity to buy back those that are delayed. Written obligation depends on its ability to fulfill it. Before assuming that it protects me, I need to know which company responds and how financially it is.

What to check in addition to the note

A review of the entity may start with these questions. They serve to sort the information; responding to them does not guarantee the outcome of the investment.

• Who answers. It identifies the company it originates, the company it manages and the company that has to buy back; it checks whether there is a guarantee of the group and what its scope is.
• When are your accounts? Look at the period, if they are audited and the evolution of profits, capital and debt. A figure from two years ago leaves questions about the current situation.
• How it is financed and paid. Review your cash, your upcoming obligations and your access to finance. Having accounting benefits and being able to face a payment today are different issues.
• What about loans? It follows late payments, outstanding payments and changes in portfolio quality. An isolated state needs context and date.
• In which countries and currencies it operates. Regulation, economy or local currency can affect the entity, even if you buy Notes in euros.
• How much you depend on her. Add your exposure between portfolios and check whether several entities belong to the same group or share a guarantor.

The file of each entity in Mintos, its financial reports and the Notes documents help to respond. It is appropriate to contrast the company’s comments with the evolution of payments and the Mintos risk updates.

Many loans can continue to depend on a single company

Imagine 1,000 € distributed in ten sets of Notes of 100 €, all linked to the same entity. There are different loans and borrowers, but the 1,000 € remain exposed to that company. It is an illustrative example, not the distribution of my account.

Sharing between entities, groups and countries can reduce this concentration. Enterprises in the same group can share financing or a repurchase obligation, so having different brands can overstate diversification. Economic problems affecting several entities can also coincide. Diversification and its limits.

Score, status and date: three things to look at together

Mintos reviews the scores quarterly and can change them earlier if there are important news. A drop deserves to read what has worsened and since when. Keep the date of the note next to the date of the accounts and the latest releases. Update frequency.

• Let's go. It describes the activity of the entity in Mintos. It may have a high or low score; it does not certify that the risk is low.
• Suspended (S). The related investments and sales in the main and secondary markets are stopped. Follow the updates of the case.
• In default (D). Nor can it be invested or sold. The state meets Mintos’ default criteria and does not allow the amount to be recovered to be anticipated.
• Score Withdrawn (SW). The score is withdrawn: there may be a lack of information, inactivity, or suspension or default. The Spanish-language website also uses "Not available score" (ND). You have to read the cause; do not treat it as a zero note or assume that it always means insolvency.

Sources: entity statements and score withdrawn. In the delays of my account I follow amounts and states with their date. Distribution by entity and their valuations need their own cut before comparing them.

Three Ways to Build Your Loan Portfolio

You can leave the selection to a predefined portfolio, automate your own rules or choose the series one by one. The difference is how much you decide and how much selection work you assume.

Slide the table to view all columns.

Sources: Core Loans criteria, Custom Loans e manual investment. You can combine modalities, as long as they are available for your profile according to Mintos evaluation.

Core Loans: Knowing the rules you accept

Core Loans automates selection and diversification. The criteria in the documentation consulted include a Mintos Risk Score from 3.5 to 10, a buyback obligation and a 15 % limit for Notes under one prospectus. That range includes scores Mintos classifies as high risk: that the portfolio is automatic does not mean that everything you buy has low risk. You cannot change their diversification to exclude a country or impose your own distribution. What allows Core Loans to change.

Custom Loans: Set Your Own Conditions

Custom Loans allows a more personalized selection to be automated. The documentation consulted describes filters for Mintos Risk Score, loan type, country, interest and term. It also retains a "Advanced" option for a more detailed configuration. New entities that meet your filters can be automatically incorporated: it is important to keep reviewing what the portfolio is buying. Custom Loans Filters and Modalities.

• Interest. Define the rank you accept. A higher rate deserves to review what risk you are taking, in addition to how much you could charge.
• Time frame. It takes the expected time of the investment. A short maturity does not prevent delays.
• Country and type of loan. They allow you to define where and in what activities you want to be exposed.
• Mintos Risk Score. It is Mintos’ risk assessment: 10 indicates lower risk and 1, higher risk. It does not guarantee recovery. How It's Calculated.
• Objective and diversification. At Custom Loans, the target limits how much that portfolio invests. By changing it, it also reviews the deal, especially in the advanced configuration. Core Loans no longer has that goal: it depends on the money you charge. Portfolio objective.

For example, you can explore what offer is left by limiting country, time and interest, and looking at how many entities enter the selection. If there are hardly any matches left, the money can wait without investing. Forced larger filters just to place it also changes the exposure you have chosen. It is an example of how to read the filters, not my account settings.

How to get those decisions into the configuration

1. Choose the modality from Loans. When creating a portfolio you can choose Core Loans or Custom Loans; the manual selection has its own search.
2. If you choose Custom Loans, define your criteria. Check which investments match and how diversification is left before activation. In Advanced, check also the minimum per investment and the distribution parameters.
3. Decide how much you can invest. Adjust the Custom Loans target and assign cash to the portfolio. If you have multiple Custom Loans, their priorities matter because they share cash.
4. Choose the destination of the payments. Set up "Renders" and, if you want to contribute periodically, the reload plan. One function selects investments; the other assigns them money.

The options available depend on your profile and the modality. Sources: create a portfolio, coincidences and minima and guide to reading balances and shares.

Manual investment: choose each purchase

In manual you decide which series to buy, review your documents and distribute the amount yourself. The main market offers investments that are published in Mintos; in secondary purchases positions that other investors sell. Choosing a series manually continues to expose your underlying loans, not to a single loan chosen within it.

It is also up to you to follow the schedule, the payments and the concentration of what you buy. The three modalities have risk: automating the selection saves tasks, but does not ensure either the interest announced or the return of capital.

Providing, reinvesting or collecting: these are different decisions

Entering money from the bank takes it to Mintos’ available cash. For Core Loans or Custom Loans to invest, you must assign it to your portfolio cash, with a timely reload or a periodical plan. Custom Loans portfolios share cash and distribute it according to their priorities and adjustments. How Cash Works.

The 'Renders' adjustment allows you to choose what to do with future Core Loans and Custom Loans payments:

• Reinvest everything: both the principal returned and the interests are reinvested.
• Reinvest principal: capital is reinvested and interest goes to available cash.
• Deactivated: principal and interest go to available cash.

If you're looking for an extra income, you're interested in understanding the second option; if you reinvest interest, you can explore its effect on the Composite interest calculator. Simulation depends on your assumptions and does not guarantee that growth. Also check your recharge plans: a daily one could bring back the interests you had just separated to the portfolio. Performance options and Guide to recurring payments.

payments and costs of my history

Regular interest, buybacks and late payments retain their categories. Fees are an outflow. The records start in January 2025 and do not include a breakdown of the secondary-market result.

The part I'm still waiting for

On 2 November 2026, the dashboard shows €330.87 of pending payments and €3,401.68 of “Overdue” funds. I keep them separate from late loan instalments: these are different classifications, and I have not checked whether they can be added without overlap.

The €32,459.89 of loans includes €28,655.99 invested, €71.34 of portfolio cash and the two pending amounts above. The money awaiting payment already forms part of that value; adding it again would inflate the account. The displayed items leave a one-cent rounding difference.

In my delay tracking I compare observations of Nera Capital and MFO FintechFinance from October to 2 November 2026. They show what changed in the balances without treating every change as a loss or a payment received.

Frequently Asked Questions about Mintos Loans

How I read my loans as a whole

The dashboard’s weighted average rate is 10.77 % in the observation of 2 November 2026. It describes the interest on the investments covered by that view; it is not the net annual return I have achieved. Measuring that also requires the dates of contributions and withdrawals, costs, losses and valuations.

It also shows an average term of 29 months and 15 days and a diversification score of 46 %, labelled “Moderate”. The term is not an exit date for the whole portfolio, and the score is not a probability of recovering capital.

The statements from January 2025 through 2 November 2026 record €5,074.70 of interest across all products, with fees and withholding taxes separate. The results page brings together those movements and the current dashboard. Statements before 2025 and a breakdown of the secondary-market result are still needed to calculate the outcome of my entire relationship with Mintos.

How to declare Mintos in Spain: tax report, tax return boxes and double taxation relief.