17 August 2026

Auto Invest FLEX:
automated investing has never looked this good

Auto Invest FLEX – Early exit flexibility

Meet Auto Invest FLEX, our latest product release, fully launched to give you market-leading target returns of up to 12.5% alongside greater freedom over your capital.

Auto Invest has always been the simplest way to put your money to work on autopilot. But through continuous conversations with our investor community, one key request kept coming up: what if life changes and I need access to my cash before loans mature?

We listened, went back to the drawing board, and built the ultimate upgrade.

Auto Invest FLEX delivers the total convenience of automated investing without locking you down for the full term. If your plans change, you can request to exit part or all of your active portfolio early. Simple as that.

You asked, we built: the power of community-led innovation

Auto Invest FLEX is fully live and ready to power your portfolio. Built from the ground up around direct investor feedback, it combines top-tier performance with complete operational transparency.

It’s our smartest, sleekest, and most versatile automated investment tool yet, giving you a complete hands-off investing experience and freedom of liquidity.

Early exit flexibility meets simple automation

By setting up your automated strategy and letting your loans run to maturity, you maximise your yield at up to 12.5% annually, a return rate that stands among the highest available across the market today.

  • No management fees
  • No complex tier systems
  • 100% automated reinvestment

If you don't need to exit early, you simply sit back and let your capital grow at an industry-topping rate.

Clear, transparent early exits

If your plans change before maturity, Auto Invest FLEX provides a structured and transparent early exit option:

  • 3.5% flat fee: If you choose to exit early, the fee is a simple 3.5% flat of the exited amount, deducted upon successful settlement. You know your exact cost upfront with zero hidden terms.
  • Up to 10 calendar days processing: Early exits are completed via Replacement Funding within a maximum processing window of 10 calendar days.
  • Automatic re-engagement: If a replacement match isn't completed during the processing window, your exit request automatically expires, and your funds instantly keep earning high-yield interest as usual.

How replacement funding works

When you request an early exit, Auto Invest FLEX re-lists your investment so available platform capital can replace it.
As soon as that funding is allocated, which can take up to 10 calendar days, your principal and earned interest (minus the 3.5% fee) are settled directly back into your account balance.

  • Fully automated: No manual re-listing or discounting required, the platform framework manages the re-allocation behind the scenes.
  • Continuous yield: Your investment keeps earning high-yield interest right up until the moment Replacement Funding settles.*
  • Responsible liquidity: Because early exits rely on platform funding allocation rather than guaranteed, instant withdrawals, the process remains balanced and secure for all investors.

Market comparison: see how Auto Invest FLEX compares

Platform / Product
Target interest
Early-exit mechanism
Cost to exit early
Holding period
Lendermarket
Auto Invest FLEX
Up to 12.5%
Early Exit via Replacement Funding (subject to availability)
3.5% flat
No fixed minimum
(subject to eligibility rules in accordance with Auto Invest Flex Terms)
Platform A
Fixed-rate easy-access
6% (recently reduced from 6.75%)
No early exit
€1 per withdrawal (can be throttled under stress)
None
Platform B
Property-backed fixed-rate
7% fixed
Secondary market
Not available
Until loan maturity
Platform C
Large loan marketplace
Variable (β‰ˆ 9 – 12%, loan dependent)
Secondary market
0.85% sale fee + buyer discount; 0.39% p.a. on core strategy
Depends on buyer demand
Platform D
Short-term consumer auto-invest
β‰ˆ 10 – 11% average
Secondary market (early 2026)
Depends on discount offered
Min. 6 months before a loan can be sold
Platform E
Group-lender auto-invest
9 – 12% (up to β‰ˆ 11.8%)
Secondary market
Depends on buyer demand; 3 – 7 day settlement
Subject to buyer availability
Lendermarket
Auto Invest FLEX
Target interest
10.5 – 12.5%
Early-exit mechanism
Early Exit via
Replacement Funding
(subject to availability)
Cost to exit early
50% of annualised portfolio interest
Holding period
No fixed minimum
‍(subject to eligibility rules in accordance with Auto Invest Flex Terms)
Platform A
Fixed-rate easy-access
Target interest
6% (recently reduced from 6.75%)
Early-exit mechanism
Daily withdrawals
Cost to exit early
€1 per withdrawal (can be throttled under stress)
Holding period
None
Platform B
Property-backed fixed-rate
Target interest
7% fixed
Early-exit mechanism
No early exit
Cost to exit early
Not available
Holding period
Until loan maturity
Platform C
Large loan marketplace
Target interest
Variable (β‰ˆ 9 – 12%, loan dependent)
Early-exit mechanism
Secondary market
Cost to exit early
0.85% sale fee + buyer discount; 0.39% p.a. on core strategy
Holding period
Depends on buyer demand
Platform D
Short-term consumer auto-invest
Target interest
β‰ˆ 10 – 11% average
Early-exit mechanism
Secondary market (early 2026)
Cost to exit early
Depends on discount offered
Holding period
Min. 6 months before a loan can be sold
Platform E
Group-lender auto-invest
Target interest
9 – 12% (up to β‰ˆ 11.8%)
Early-exit mechanism
Secondary market
Cost to exit early
Depends on buyer demand; 3 – 7 day settlement
Holding period
Subject to buyer availability

You no longer have to settle for low single-digit interest rates just to keep your options open. With Auto Invest FLEX, you get the full earning power of a high-yield investment returning up to 12.5%, backed by a product designed around your feedback.

Put your investing on autopilot today with our most refined product yet.

Set up Auto Invest FLEX

Please note: Exit requests, fees, timelines and portfolio availability are subject to the applicable Terms.

*Replacement funding and the Early Exit are conditional and depend on Replacement Funding becoming available; it is not a guaranteed withdrawal right. Lendermarket Limited, trading as Lendermarket, is regulated by the Central Bank of Ireland provides services regulated under Regulation (EU) 2020/1503 (the Crowdfunding Regulation) as well as services not covered by the Crowdfunding Regulation.For more information, please read our

and the

. WARNING: Investment in crowdfunding projects entails risks, including the risk of partial or entire loss of the money invested. Your investment is not covered by a deposit guarantee scheme or by an investor compensation scheme.

Recent blog posts

Funding your future: How investing can help you reach your goals

This is where peer-to-peer (P2P) crowdfunding and passive investing can act as the bridge between your current finances and your future aspirations.

28.07.2026
Read more

Lendermarket cup

Join the Lendermarket Cup and grow your portfolio with up to 2.0% tiered cashback starting from €250. Deposit and invest before the July 26 deadline.

14.07.2026
Read more

Lendermarket at Money20/20: Key Takeaways

Lendermarket at Money20/20. Discover our insights on AI trends, private credit, and the evolving alternative investment space.

15.06.2026
Read more