P2P AutoInvest: Best Strategy and Settings for 2026
AutoInvest is the feature that turns a peer-to-peer (P2P) platform from a manual loan-picking site into something closer to a passive income product. You set a few rules once — yield range, term length, which loan originators and countries you accept, maximum per-loan size — and the platform deploys your cash into matching loans on its own, including reinvesting interest as it accrues. Done well, AutoInvest is the single biggest practical lever you have over cash drag (idle, uninvested money sitting in your account earning nothing) and over your effective net return. Done poorly, it concentrates your portfolio into exactly the loans you should have manually rejected.
This guide explains how AutoInvest actually works, the four configuration profiles that cover most realistic investor goals, the platform-specific settings on Maclear, Mintos, PeerBerry and Robocash, the AutoInvest setups to avoid, and the quarterly maintenance cadence that keeps the whole system honest.
TL;DR
AutoInvest’s main job is to reduce cash drag — the gap between your declared portfolio yield and your actual realized yield, which on most P2P platforms comes from uninvested cash sitting idle while you wait to find loans manually. Configure it across five dimensions: yield range (set a minimum so the robot rejects below-target loans), term length (match your liquidity needs), loan originator (filter out the ones you do not trust), region or country (avoid jurisdictions where you do not want exposure), and maximum loan size (cap per-loan exposure for diversification). Use one of four profile templates depending on goal: yield-max, safety-first, short-term, or pure diversification. Rebalance quarterly — every three months, log in, re-check your filters against fresh platform data (loan-originator ratings, recovery percentages, new originators added or dropped), and adjust. AutoInvest is set-and-monitor, not set-and-forget.
What is AutoInvest
AutoInvest is a rules-based engine inside a P2P platform that automatically buys loans (or, on regulated platforms like Mintos, Notes that represent loans) on your behalf, using criteria you set in advance. You tell the engine which kinds of loans you want; it scans new listings and deploys your cash whenever a matching loan appears.
Mechanically there are three things to understand.
First, AutoInvest runs continuously while new loans are listed. On platforms with active origination pipelines — Maclear lists around €6 million per month, Mintos processes loans across 60+ originators in 33 countries, PeerBerry funds €23-27 million per month — the engine deploys cash within hours of it arriving in your account. On smaller or slower platforms, AutoInvest can sit idle for days waiting for matches, which defeats its purpose.
Second, AutoInvest reinvests interest as well as principal. When a borrower repays, the cash flows back into your account and the engine redeploys it into the next matching loan. This is the compounding mechanism — on a 12% loan that compounds monthly through automatic reinvestment, the realized return is closer to 12.68% than 12%, because each month’s interest earns interest on the next month’s loan.
Third, AutoInvest is constrained by what the platform actually lists. If you set “minimum yield 14%” on a platform whose average yield is 9%, the engine will sit idle because no matching loan exists. Setting criteria that are tighter than the platform’s actual loan supply is the single most common reason for cash drag — and it is the reason platform-specific configuration matters more than generic advice.
The reason AutoInvest exists at all is cash drag. On a manual-only platform, your cash sits in the account between the moment a loan repays and the moment you find and fund a new loan. If your money is idle for 30 days out of every 90, your effective annual yield is roughly two-thirds of the advertised rate. AutoInvest closes that gap by deploying cash within hours instead of weeks.
Top AutoInvest Configurations by Goal
Four configuration profiles cover most realistic investor goals. Pick the one that matches what you actually want, then translate it to the specific filters available on the platform you use.
Profile 1 — Yield-Max
Goal: maximize realized annual return, accept higher correlated risk.
- Yield range: minimum 13%, no maximum.
- Term length: 6-24 months. Short enough for capital recycling, long enough that the highest-yield loans (which tend to be 12-24 month SME or real-estate-backed) qualify.
- Loan originator / project category: the highest-rated originators only on marketplaces (Mintos Risk Score 7+), or all available projects on direct-origination platforms like Maclear.
- Region: broad — every country the platform operates in.
- Max per loan: small fraction of total portfolio (typically 1-2%), so a single default cannot blow up the whole position.
Best fits: Maclear (target ~14.5-14.9% range), Mintos with Risk Score 7+ filter (~10-11%), PeerBerry on the higher-yield long-term consumer book (~12-13%).
The honest trade-off: higher yields come with weaker buyback execution, less regulation, or both. A yield-max portfolio is the part of your overall allocation that needs the most diversification across independent platforms and the most quarterly attention.
Profile 2 — Safety-First
Goal: stay in the most regulated and most diversified loans, accept lower yield.
- Yield range: 8-12%. Hard ceiling — anything above this band on a regulated platform is paying you for risk you do not want to take.
- Term length: 3-12 months. Short enough to exit positions through natural maturity within a year.
- Loan originator: highest-rated only — Mintos Risk Score 7+, or platforms that only list a few independent originators per loan category.
- Region: EU and EEA only. Exclude emerging markets (Sri Lanka, Kazakhstan, Philippines) and any region under active geopolitical risk.
- Max per loan: 0.5-1% of total portfolio.
Best fits: Mintos with Risk Score 7+ filter and EU-only country lock (~8-10% net), Maclear with the Strengths-tier projects only.
The honest trade-off: you will leave 3-5 percentage points of yield on the table compared to the same platforms run on a yield-max profile. That is the explicit price of staying inside regulated investor compensation coverage and structurally cleaner originators.
Profile 3 — Short-Term
Goal: keep capital recycling fast, prioritize liquidity over yield level.
- Yield range: 9-12%. Short-term loans rarely pay the highest yields in the market — the highest yields are reserved for longer-term SME risk.
- Term length: 1-3 months only. This is the defining filter.
- Loan originator: consumer-lending specialists with proven 30-day buyback execution.
- Region: wherever the platform’s strongest consumer-lending originators are concentrated.
- Max per loan: small (0.5-1%), but since loans recycle so fast, the same allocation rotates through many independent loans within a year.
Best fits: Robocash (30-day buyback is the shortest on the market and the platform is auto-invest-only by design), PeerBerry short-term consumer book.
The honest trade-off: short-term loan portfolios are highly sensitive to the parent loan-originator group’s solvency. The buyback only works if the originator can actually pay it. Concentration into a single group — which is exactly the Robocash and PeerBerry structural setup — is the risk you accept in exchange for the fast recycling.
Profile 4 — Pure Diversification
Goal: spread exposure across as many independent counterparties, jurisdictions and asset classes as possible.
- Yield range: 9-15%. Wide enough to include both regulated mid-yield and higher-yield originators.
- Term length: 3-24 months. Wide enough to span short-term consumer and longer SME / real-estate.
- Loan originator: include all rated originators above a minimum quality bar — Mintos Risk Score 6+, all PeerBerry originators except the smallest experimental ones.
- Region: broad. The point of this profile is geographic diversification.
- Max per loan: very small (0.2-0.5%). To genuinely diversify, you need 200+ active loans in the portfolio at any one time, which means small per-loan tickets.
Best fits: Mintos (60+ originators across 33 countries is structurally the best diversification engine in EU P2P), combined across two or three additional platforms (Maclear, PeerBerry, Robocash) using equivalent settings.
The honest trade-off: diversification reduces but does not eliminate correlated risk. The 2020 COVID crisis took down 17 loan originators on Mintos simultaneously, freezing roughly €118 million. Diversifying across originators inside a single platform helps; diversifying across platforms helps more.
Platform-Specific AutoInvest
The four profiles above are the goal. The settings below are how you actually configure them on each platform.
Maclear AutoInvest (launched July 2025)
Maclear added AutoInvest in July 2025, closing the gap that earlier reviewers (P2P Empire, re:think P2P, ExploreP2P) had consistently flagged. The feature lets you configure: rate range, term, project category (SME business loans / real-estate-backed / factoring), and per-loan investment size.
Recommended settings on Maclear.
- Rate range: 13-15%. Maclear’s average sits in the 14.5-14.9% band, so this minimum yield filter catches almost everything the platform lists without locking you out.
- Term: 6-24 months. The active pipeline of approximately €6 million per month is dominated by loans in this range.
- Project category: all three (SME, real estate, factoring) if you want diversification; SME + real estate only if you want to skip factoring deals.
- Per-loan size: €50-€200. The platform minimum is €50; sizing above €200 starts to concentrate the portfolio into individual loans more than you typically want.
The point of AutoInvest on Maclear specifically is that Maclear’s project pipeline is large enough that manual investors can miss attractive loans simply because they were not checking the platform at the moment of listing. AutoInvest deploys your cash into the next matching loan automatically. With the platform’s historical average yield near 14.9% and the active pipeline running at €6 million per month, cash drag on a manually-managed portfolio was the single biggest gap between advertised and realized return before July 2025.
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Mintos AutoInvest with Risk Score Filter
Mintos is the most-configurable AutoInvest engine in EU P2P. The platform publishes a Mintos Risk Score for each of its 60+ active loan originators, broken into four sub-scores (loan portfolio performance, originator efficiency, buyback strength, cooperation structure). You can filter AutoInvest by Risk Score, country, originator, loan type (consumer, business, real estate), term, yield range, and buyback status. New AutoInvest investments carry a 0.29% per year management fee since May 2025.
Recommended settings on Mintos.
- Mintos Risk Score: minimum 7. The historical pattern is that originator failures (2020 COVID, 2022 Russia) clustered in lower-rated originators. Filtering at 7+ excludes most of the historical-failure cohort, at the cost of a modest yield trim.
- Country filter: EU + EEA only for a safety-first profile. Exclude Russia, Ukraine, Belarus regardless of profile.
- Loan type: Notes (the regulated securities format), not direct claims.
- Yield range: 9-13% for a yield-max profile; 8-11% for safety-first.
- Term: 1-36 months.
- Per-loan size: €10-50.
The Risk Score is the lever that matters most on Mintos. When 17 originators failed in 2020 (~€118 million in recovery) and 8 Russian originators were frozen in 2022, the better-rated originators in each cohort had materially smaller losses than the lower-rated ones. The Risk Score is not perfect — independent analyst Kristaps Mors has documented structural conflicts where major shareholder Aigars Kesenfelds is also a significant shareholder in originator Eleving Group, parent of Mogo (a sizeable Mintos originator) — but as a filter inside AutoInvest, it is the single best loss-reduction tool the platform offers.
PeerBerry AutoInvest and Aventus Concentration
PeerBerry’s AutoInvest supports customizable strategies plus ready-made templates. Filters include loan type (short-term consumer / long-term consumer / leasing / real estate / SME), originator, country, term length, and interest rate range.
The structural feature to understand on PeerBerry: over 83% of the loan book comes from the Aventus group. PeerBerry’s largest shareholder, Andrejus Trofimovas, is simultaneously the CEO of Aventus. There are 28 active loan originators on the platform, but around 17 of them belong to the Aventus Group. Filtering by individual originator on PeerBerry does not give you true counterparty diversification — most of the apparent diversification collapses into a single group at the credit-risk level.
Recommended settings on PeerBerry.
- Originator: explicitly include both Aventus and Gofingo (the two main partner groups). Do not bother trying to filter out Aventus — it would leave too few loans for AutoInvest to find matches.
- Country: broad. The geographic diversification across 15 countries is real at the country level even though it is concentrated at the group level.
- Loan type: mix short-term consumer (faster recycling) with long-term consumer and SME (higher yields). Avoid concentrating in any single loan type.
- Yield range: 11-14%. PeerBerry’s declared average is 11.04% with loyalty tier boosts (+0.5% to +1%) for larger portfolios.
- Term: 1-24 months.
- Per-loan size: €10-30. Loans recycle quickly; small per-loan tickets keep the portfolio diversified across many active positions at once.
The honest position on PeerBerry AutoInvest: the platform is operationally excellent (zero capital losses since 2017, the December 2024 repayment of €51.4 million in Ukrainian and Russian war-frozen loans was the cleanest crisis-pass in EU P2P) but the originator concentration is not something AutoInvest filters can solve. The right move is to size your PeerBerry allocation accepting that concentration, not to try to filter your way out of it.
Robocash AutoInvest for Short-Term Loans
Robocash is auto-invest-only by design — there is no manual loan picking. You configure the investment robot once with loan term range, interest rate range, and originator countries, and the robot deploys cash continuously into matching loans.
Recommended settings on Robocash.
- Term range: 1-3 months. This is Robocash’s strongest segment and the short-term cycle is the point.
- Yield range: 9-13%. The 10-12% band is the dominant range for the short-term consumer loans the platform specializes in.
- Country filter: Spain, Singapore (the 3-year 10.5% offering), and the originator countries you are comfortable with. The Philippines exposure was suspended in January 2024 at 0.2% of portfolio after regulatory action against affiliate Digido Finance Corp.
- Per-loan size: €10-25.
The structural feature to understand on Robocash: 100% of loan originators on the platform are owned by parent group UnaFinancial (Singapore, 100% owned by Sergey Sedov). The “diversification” across multiple originator countries is country-level only — credit risk concentrates fully into one corporate group. AutoInvest filters cannot help here either; the question is whether you accept the concentration in exchange for the platform’s 8-year zero-recovery track record and 30-day buyback (shortest in the segment).
For a portfolio that allocates across multiple platforms, Robocash AutoInvest is the short-term recycling sleeve — a small allocation that keeps capital moving and harvests the 30-day buyback discipline, while the larger positions sit on more diversified platforms.
AutoInvest Settings to Avoid
Some configurations look sensible but actively concentrate risk or produce worse realized returns than the platform default. The two most common mistakes:
Setting #1 to avoid — yield-only filters with no quality floor. Configuring AutoInvest with only a minimum-yield filter (“anything paying 13% or above”) and no Risk Score, originator, or country filter means the engine will buy whatever lower-quality loans pay the headline yields. On a marketplace like Mintos, the highest-yield originators are typically the ones with the worst Risk Scores — historically, this is where the 2020 and 2022 failures clustered. Yield-only filters are how investors end up holding exactly the originators they should have rejected.
Setting #2 to avoid — single-originator concentration on marketplace platforms. Filtering Mintos AutoInvest to a single loan originator looks like simplification, but it eliminates the only diversification advantage the marketplace model offers. On a 60-originator platform, restricting to one originator turns Mintos into a single-name credit bet that pays you less than buying that originator’s notes directly would. The same logic applies in reverse on direct-origination platforms — on Maclear, filtering to a single project category (e.g., factoring only) gives up the diversification that the multi-category pipeline provides.
A useful test: if your AutoInvest settings produce a list of loans that looks identical to what you would have manually picked, your filters are too narrow and you are running a yield-only or single-name strategy in disguise.
Maintenance Cadence
AutoInvest is set-and-monitor, not set-and-forget. The right cadence is quarterly review — once every three months, log in to each platform and check four things.
1. Re-check loan-originator ratings and recovery percentages. Risk Scores change. On Mintos, the published Risk Score is updated regularly; an originator that was 7+ in January can be 6 in April. Recovery percentages also move — EstateGuru is the cautionary example, with 60.2% of its portfolio currently in recovery versus a pre-2022 figure under 5%. If an originator you are using has slipped below your quality threshold, adjust your filter and let AutoInvest stop deploying new capital into that name.
2. Check for new originators added or old ones dropped. Platforms add and remove originators continuously. New originators typically start at lower Risk Scores until they build track record on the platform; some old ones are quietly delisted after problems. Your filter should reflect the current originator list, not the one from six months ago.
3. Look for cash drag. If your account shows uninvested cash sitting idle for more than a few days, your filters are too tight for the platform’s current loan supply. Either loosen one of the filters (typically the yield minimum or the term cap) or reduce that platform’s allocation share in your overall portfolio.
4. Check for adjustment triggers. A new regulatory action against the platform or an originator, a sharp decline in monthly origination volume, a change in the buyback structure, a Trustpilot rating that has fallen materially — any of these are reasons to revisit settings now rather than waiting for the next quarterly review.
The maintenance cadence is what separates AutoInvest from a slow-motion accident. The robot does not adjust to changing platform conditions on its own. You do.
Frequently Asked Questions
Does AutoInvest reduce risk or just remove the manual work? Both, but not equally. The work reduction is direct — you stop picking individual loans. The risk reduction comes from the discipline of pre-set rules: when you configure “minimum Risk Score 7” or “exclude Russia,” you commit to those filters in calm conditions, and the robot enforces them in busy or stressful conditions when manual investors are most likely to chase yield. AutoInvest does not change the underlying risk of the loans you buy — but it does prevent the most common behavioral mistakes.
Can I run AutoInvest across multiple platforms at once? Yes, and for most investors this is the right setup. A typical multi-platform setup runs AutoInvest on Mintos (regulated diversified core), Maclear (high-yield SME sleeve), one short-term recycler (PeerBerry or Robocash), and optionally a real-estate platform (InRento). Each platform’s AutoInvest is configured independently for the role that platform plays in the overall portfolio.
What about taxes — does AutoInvest affect how interest income is taxed? No. AutoInvest is a deployment mechanism, not a tax structure. Interest income is taxed in your country of residence regardless of whether the loans were bought manually or through AutoInvest. Most EU residents pay personal income tax on P2P interest at their marginal rate; some jurisdictions (Estonia for residents, Cyprus, Bulgaria) have favorable regimes. Check your local rules — this is not tax advice.
How often should I deposit new capital into a platform with AutoInvest running? Match your deposit cadence to the platform’s loan-supply cadence. On platforms with high active origination (Maclear, Mintos, PeerBerry), monthly deposits are deployed within days. On smaller or slower platforms, larger less-frequent deposits work better than small frequent ones because they give the robot more cash to deploy when matching loans appear. There is no advantage to depositing daily.
What if a platform’s AutoInvest does not have the filters I want? Then that platform is not a good fit for your strategy. AutoInvest’s filter set is the platform’s contract with you — the dimensions on which you can express preferences. If the filter you need (e.g., “exclude originators owned by major shareholder”) does not exist, you cannot get the strategy you want from that platform’s AutoInvest, and you should either accept the platform’s defaults or use a different platform.
Bottom Line
AutoInvest’s value is dull and operational — it closes the gap between advertised yields and realized yields by eliminating cash drag. The four profile templates (yield-max, safety-first, short-term, diversification) cover most realistic investor goals, and the platform-specific settings translate those profiles into actual filter configurations. The two settings to avoid (yield-only filters, single-originator concentration on marketplaces) are also the two most common mistakes — both are how investors end up with concentrated portfolios that they thought they had diversified.
Maclear launched AutoInvest in July 2025 and is currently the cleanest high-yield platform to run a yield-max profile on, with the ~14.9% historical average and €6 million monthly pipeline doing most of the work. Mintos remains the diversification engine of EU P2P with Risk Score filtering as the loss-reduction lever that matters most. PeerBerry and Robocash both run on single-group originator structures that AutoInvest filters cannot solve — size accordingly.
Quarterly review is the discipline that keeps the whole system honest. AutoInvest deploys; you supervise. The platforms that publish the data you need to supervise (Risk Score updates, recovery percentages, originator additions and removals) are the ones worth running AutoInvest on in the first place.
Affiliate disclosure. CrowdIndex earns a commission when readers sign up to platforms through links on this page. This does not affect our editorial assessment. Platform rankings on CrowdIndex are based on the editorial criteria documented on our Methodology page. We last reviewed this article on May 19, 2026.
What to read next
- Diversified-P2P-Portfolio — how to size positions across multiple platforms once your AutoInvest setups are running.
- Best-P2P-for-Beginners — if AutoInvest is your first P2P feature, this guide covers what to set up before configuring it.
- P2P-Lending-Realistic-Returns — what realized yields actually look like across the European P2P market after defaults, recoveries, and cash drag.