A Lendermarket é uma plataforma P2P licenciada na Irlanda (ECSP) que financiou mais de 623 M€ desde 2016. Liga investidores particulares a empréstimos ao consumo de curto prazo de originadores selecionados, com auto-invest e pagamentos semanais de juros — embora a recente reestruturação da plataforma e problemas dos originadores tenham criado pressão de liquidez para muitos investidores.
Secção 02 · Veredicto
Pontos fortes e cuidados.
Prós
Licença ECSP na Irlanda
Mínimo 10 €
Auto-invest com filtros de estratégia
Bónus de boas-vindas para novos investidores
9 anos de história operacional
Contras
Forte pressão de liquidez: muitos investidores reportam fundos retidos desde 2024
Migração para 'nova plataforma' ligada a reinvestimento forçado de 18 meses
Planos de pagamento lentos (40–60 €/semana)
Section 03 · Mechanics
How it works.
Lendermarket is a consumer crowdlending platform based in Ireland, supervised by Central Bank of Ireland. Investors deposit funds, browse open opportunities and commit capital project-by-project or via automated rules.
Once a project is fully funded, the platform releases capital to the borrower and collects scheduled payments — interest plus principal — which are credited to your investor account. Most European platforms publish a public dashboard with projected and realised cashflows.
Loans on Lendermarket carry a 60-day buyback, which steps in if the borrower stops paying. The strength of that protection depends on the financial health of the originator standing behind it — not the platform itself.
Section 04 · Onboarding
Opening an account.
01Create an account on the platform with your email and a strong, unique password (use a manager).
02Complete KYC — upload a government-issued ID document and proof of address (utility bill, bank statement, dated within 3 months).
03Confirm tax residency and provide a tax-ID number for the country where you’ll declare returns.
04Fund the investor account via bank transfer, direct debit (minimum €10). First deposits sometimes take 1 business day to credit.
05Review the loan book — read the project memo, originator history, collateral pack and default-rate disclosures before committing capital.
06Build a portfolio of 20–30 positions to diversify; configure auto-invest rules if you prefer a hands-off approach.
07Track monthly statements, reinvest scheduled returns, and withdraw available cash to your bank account whenever needed.
Section 05 · Costs
Fees & charges.
Account opening: free — there is no signup, KYC or annual maintenance fee for investors.
Minimum deposit: €10 per transaction. There is no upper limit for retail accounts; institutional and family-office tickets are negotiated separately.
Deposit fees: SEPA and local bank transfers are free. Cross-border SWIFT may incur correspondent-bank charges set by your bank, not the platform.
Investment fees: typically zero on the investor side — the platform earns from origination / servicing fees paid by the borrower or sponsor, and that economic burden is already reflected in the headline yield.
Servicing fees: some platforms levy a small annual servicing fee (often 0.5–1 %) on outstanding principal; check the latest fee schedule on the platform’s legal page before allocating size.
Withdrawal fees: free for in-region SEPA or local bank transfers; non-EUR / non-local withdrawals may incur a small fixed bank fee.
Secondary-market fees: when a secondary market exists, sellers typically pay a 0.5–1 % transaction fee on the realised price; check before listing.
Tax: interest and capital gains are taxable in your country of residence. Most European platforms do not withhold automatically — investors report income in their annual return and may apply double-tax-treaty relief where available.
Section 06 · Operations
Deposits & withdrawals.
Deposit methods: SEPA bank transfer, card payment. Crypto is not supported.
Minimum deposit: €10 per transaction. No upper limit for retail accounts.
Deposit processing: SEPA usually credits within 1 business day; instant SEPA arrives in minutes where supported.
Withdrawal method: SEPA transfer to the bank account on file. No third-party withdrawals.
Withdrawal processing: Available cash typically arrives within 1–3 business days; funds locked in active loans only return as borrowers repay.
Early exit: No secondary market — plan on holding loans to maturity.
Section 07 · Performance
Historical yields.
The platform advertises target gross yields in the 12–18% APR band. Realised net returns on a diversified portfolio typically run 1–3 percentage points below the headline range once defaults, cash drag and fees are taken into account.
Track record is best read against the Ireland macro context — local interest rates, property cycle and employment data move loan-default rates in real time. Investors should diversify across at least 20–30 loans before extrapolating any single year of returns.
Headline yields are quoted before the value of the 60-day buyback. In a normal market this protection has historically smoothed the realised return; in a stressed market its value depends on the originator’s capacity to honour the buyback.
Section 08 · Regulation
Licences & regulation.
Licence
ECSP
Section 09 · Suitability
Who it suits.
Suited to investors wanting direct exposure to sme opportunities with a 6.3 months horizon, comfortable with default risk and limited liquidity. Minimum ticket from €10. Recommended portfolio size: 20–30 deals for adequate diversification; treat as a complement to traditional fixed-income, not a substitute.
Section 10 · Risk
Risk disclaimer.
Capital at risk. Investments on Lendermarket are not bank deposits and are not covered by any deposit-guarantee scheme (FGD in Spain, FGDR in France, gli istituti di garanzia in Italy, etc.). You can lose part or all of your capital.
Default risk. Borrowers may stop paying. Even with collateral or buyback, recovery is slow and partial in stressed scenarios.
Buyback risk. The buyback guarantee is a contractual promise from the loan originator — not from the platform, and not from any government. Multiple originator failures since 2020 have shown the protection can fail in practice.
Liquidity risk. There is no secondary market — invested capital is locked until the loan or project reaches maturity.
Tax. Interest and capital gains are taxable in your country of residence. Most European platforms do not withhold automatically.
Support email: typically support@lendermarket.com — confirm on the platform’s contact page before sending sensitive information.
Registered office: Ireland (verify the exact address on the platform’s legal page).
Public reviews:Trustpilot aggregates the investor feedback we ingest.
Regulator on file: Central Bank of Ireland.
Investor relations: Lendermarket publishes monthly performance and loan-book updates on its blog and newsletter — subscribe before allocating meaningful capital.
Section 12 · FAQ
Frequently asked.
Is Lendermarket regulated?
Lendermarket operates under supervision of no major investor-protection regime. Supervision covers conduct, disclosure, segregation of investor cash and minimum capital requirements. It does not guarantee that any individual deal will perform as advertised — investors retain full project-level risk on every position they hold.
What is the minimum investment on Lendermarket?
The minimum ticket per deal is €10. There is no upper limit for retail accounts; institutional tickets are arranged separately with the platform.
What returns can I expect from Lendermarket?
Advertised gross yields are 15.6% p.a.. Realised net returns depend on default rates, cash drag (money waiting between deals) and any servicing fees — expect actual portfolio returns 1–3 percentage points below the headline range after a full investment cycle.
How long does it take to withdraw funds from Lendermarket?
Available cash typically arrives via SEPA or local bank transfer within 1–3 business days. Funds locked in active deals only return as borrowers repay; there is no secondary market, so plan on holding to maturity.
What happens if a borrower defaults?
In an underwriting failure, the platform pursues the contractual recovery path — the buyback guarantee from the originator should refund principal plus accrued interest, with workouts typically taking 12–24 months. Recovery is rarely 100 %, and investors should size positions accordingly.
What happens if Lendermarket itself goes bankrupt?
Investor cash held on the platform is segregated from Lendermarket’s own balance sheet, as required by the rules of no major investor-protection regime. In an insolvency, cash should be returned to investors and outstanding loans transferred to a runoff administrator who continues to collect repayments on investors’ behalf. The process can take 12–24 months and recovery is rarely 100 %, but the loans you own remain your property, not the platform’s.
Do I pay tax on the income?
Yes — interest, dividends and realised capital gains are taxable in your country of residence. Most platforms do not withhold automatically; investors report the income in their annual tax return and may apply double-tax-treaty relief where available.
What is the typical deal duration on Lendermarket?
Typical project duration is 6.3 months. Longer durations generally pay higher headline yields but lock capital for longer and increase exposure to macro cycles; shorter durations offer faster reinvestment but reset rates more often.
How many deals should I hold to be diversified?
A common rule of thumb is 20–30 positions to absorb single-deal default risk. Below 10 positions, one bad loan can wipe out a year of returns; above 30 the marginal benefit of further diversification flattens. Auto-invest rules make this easy to maintain over time.
I have written a review because I see some negative reviews so feel compelled to offset this with some nicer words.
Lendermarket has always been good to me and I have never had an issue with it, it has been a profitiable partnership.
Support has always been excellent as well as the investments.
It seems to me that people who write bad things have a fundamental misunderstanding of the product and how it works, but thats on them.
Loans by nature can be late or extended but this presents extra interest. Vary the loans and you are sweet.
P
Patricia
Trustpilot
2 Mar 2026
No entiendo las reseñas que ponen 5 estrellas, creo que son compradas. Me dejé llevar por estas buenas reseñas y decidí probar... pero después de 2 meses debo dar la razón a las reseñas de 1 estrella.. es todo muy fácil para invertir, pero una vez que has metido tu dinero... no lo volverás a ver, al menos no en el tiempo que te indican. Yo metí 200e, no metí más porque no estaba confiada del todo.. y menos mal... supuestamente era para 30 días, llevo 69 días y de esos 200e y de sus correspondientes intereses todavía no he visto ni un céntimo de vuelta. Así que mucho ojo con invertir aquí, tú dinero será más rentable en otro sitio. Contacté con ellos y su respuesta es que permiten una extensión del plazo de pago hasta 240 días.. vamos, una barbaridad... lo dicho, si buscan rentabilidad, no es el sitio..
C
Carlo
Trustpilot
27 Fev 2026
I saved for a Vegas trip and the high interest rates allowed me to fund this trip over the last 2 years. The Relations team have also been excellent too.
A
Andreas Muehlmann
Trustpilot
24 Fev 2026
In a nutshell I have been scammed by a phishing attack and asked the team of Lendermarket to get the money back, since it was done from my account. After a short amount of time the helpful stuff came back to me and told me that they can offer me a solution and refund me.
V
Vladislav Enev
Trustpilot
22 Fev 2026
I made an investment shortly before the war in Ukraine started. As a consequence, the payments on the loans from Russia and Ukraine stopped and I could not access my money. At some point Lendemarket started doing some rather small interest and principal payouts for a prolonged period of time. Eventually after a couple of years I received all my invested money + some interest. Even though it took long time, I appreciate that Lendermarket paid out everything.
D
D GE
Trustpilot
19 Jan 2026
no info on actual induvidual loan performance constant delays on repayment of loans.
Still no stats on individual performance.
L
Liz Bon
Trustpilot
16 Jan 2026
I am a proud Hungarian investor, and Lendermarket has become probably the most popular p2p platform here. The product is great and the support team are world class.
G
Guillermo Clemente María
Trustpilot
15 Jan 2026
Fast response. Good communication.
Z
Zahari Rusev
Trustpilot
14 Jan 2026
I had an issue with deposits and it was resolved within a day.
G
GUIDAL Alain
Trustpilot
9 Jan 2026
Merci pour votre aide précieuse, j'ai réussi à investir grâce à vous, service client réactif et précis, un régal !
H
Hubert
Trustpilot
7 Jan 2026
I started investing on this platform about 1.5 years ago, with small amounts spread on several loans. After 3 months, I got a bit panicked because some loans were not repaid. I then took my money back as soon as I received a payment. But after 60 days, Lendermarket (LM) bought back the unpaid loans as promised.
Since them it became one of my favourite and most trusted investing platforms for short term investments.
Keep in mind that on average 2-5% of the borrowers will have problems to repay on time but LM has always bought back the defaulting loans after 60 days, even when the residual unpaid amount was as small as 0.02 Eur.
K
Kraken
Trustpilot
4 Jan 2026
Two instances now where promotional campaigns were not fulfilled as written.
First case: I asked support for exact interpretation of campaign conditions before participating. I received a clear answer, acted on it, and the bonus was not honored according to what I was told. So even explicit confirmation from support meant nothing.
Second case: Christmas campaign advertised "up to 5%" bonus until 31st December. The Terms and Conditions referenced the promo code without a separate expiration date. The promo code for deposits was deactivated on 29th December, leaving me with liquidity I got in preparation, but without the promo bonus.
Be cautious. Written terms and even direct answers from support may not be honored.