Mintos is so far my favorite crowdlending platform. I have been investing on Mintos since i started in january 2019, at it has been running smoothly, giving me the expected interests. At this point my average interest is 11,45%, but it could have been maybe 13-14%. When you invest on Mintos you get to choose from different types of loans, loan orginators, countries, loan period etc. Some of the loans with high interests are personal loans with a very high APR, and i dont want to contribute to this kind off business.
Mintos is very easy to use, just transfer some money and get started. I would strongly advice to use the autoinvest function, unless you want to use a lot of time on their website. The autoinvest will invest all the principal and interest you get from the loaners, so your money will work for you constantly, but check now and then that the autoinvest is working properly and adjusted to give you the results you want. If eg you can see that 30% of your loans comes from the same loanoriginator, you might consider to remove this originator from your autoinvest to bring the part of loan from this originator down. After a while, when you hav achived this, you can add the originator again. Look around on the site and get to know it and all the options it has for you.