Welcome to our “Lendermarket Stars” blog series!
Here, we share inspiring conversations with real investors, passionate members of the Lendermarket team, and industry enthusiasts who are shaping the future of investing. Today, we’re excited to introduce Alexander, an experienced investor from Germany. Join us as we dive into Alexander’s approach to investing, his goals, and what he would do differently if he could start his journey all over again!
I was a self-employed entrepreneur from 2007 to 2019, marketing various internet and mobile services in the consumer electronics retail sector. Since 2020, I’ve been employed by a major mobile service provider, where I manage new contracts and assist retail customers. My interest in investing began in September 2023 when I switched my bank account and noticed I was earning 4% monthly interest on my savings. The idea of earning passive income automatically each month thrilled me and motivated me to explore more opportunities.
In January 2024, I made my first investments in P2P lending. I currently reside in Hamburg, Germany.
At the moment, I exclusively invest in P2P loans. I’ve explored other investments, such as stocks, ETFs, and shares in large assets, but none offer the predictable monthly interest payouts I value. These other options expose me to significant market fluctuations, where gains can quickly turn to losses. I stumbled upon P2P lending in September while watching a YouTube channel. Until then, I didn’t realize that as a German investor, I could access higher-interest P2P loans abroad. Since I don’t yet have substantial wealth, I focus solely on P2P lending. If my wealth grows significantly in the future, I plan to diversify by adding ETFs, aiming for a balanced 50/50 approach.
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I started investing to counteract inflation. In Germany, inflation is currently high, and wages haven’t kept pace, so I needed an alternative solution. My initial goal was to earn €100 in monthly interest, which I’ve already achieved. Starting in January, I’ll be earning €150 per month. My long-term goal is to gradually become less dependent on my salary through monthly interest payouts, with the ultimate aim of achieving complete financial independence from my regular income.
When I began investing in January 2024, I focused on testing various P2P platforms to understand how they work, verify their interest rates, and learn when repayments occur. After a few months of testing and researching feedback from German YouTube creators, I decided to focus on unsecured personal loans with buyback guarantees.
I only invest in European countries and strictly in euros. My priority is a stable monthly interest payout that I can withdraw as consistent income. Additionally, I regularly increase my P2P capital each month, which motivates me as I see my goals reflected in my bank balance.
This methodical approach keeps me disciplined and focused on growing my investments sustainably over time.
As a new P2P investor, I don’t think I would do anything differently. Before making my first investment, I relied on six to seven years of experience shared by other investors on YouTube Germany. They provided transparent insights into their successes and failures with P2P platforms, allowing me to identify reliable platforms and lenders that have weathered crises like COVID-19 and the Ukraine conflict. This thorough preparation has helped me make informed decisions from the start.
I first heard about the Creditstar Group through the YouTube channel “Northern Finance” and learned that Creditstar is one of the largest P2P lenders in Europe, with a solid track record. I was also impressed by the high-interest rates offered on Creditstar loans. My first Creditstar investment was through the “Monefit Smartsaver” platform, where daily interest payouts appealed to me. I later tried “Swaper” for its liquidity but found the interest rates less predictable. Simultaneously, I invested in Creditstar loans on “Mintos” to compare platforms.
Through YouTubers like “passives-einkommen-mit-p2p” and “P2PGame,” I discovered Lendermarket. It offered higher interest rates than Mintos while providing access to the same loans. After testing it with small amounts, I decided to consolidate my investments with Lendermarket due to its superior rates (17–18%), bonuses, and user-friendly design.
The content on this page is for informational purposes only and is not financial or investment advice. Always consult a professional before making investment decisions. Investments carry risks, including loss of principal. We are not responsible for any actions taken based on this content.
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