26 Jun 2026

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

Airplane flying past palm trees orange sunset sky, holidays.

We all have milestones we are working towards. Whether your focus is on achieving long-term financial freedom, funding a dream wedding, upgrading your car, taking that once-in-a-lifetime holiday, securing a deposit for a house, or even building your own company, ambitious goals require a structured financial approach.

However, in an economic landscape where traditional investments often struggle to keep pace and cash left sitting idle loses value to inflation, your progress can stall. Today, smart investors are increasingly looking for ways to put their money to work efficiently, without having to manage it daily.

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

A hands-off approach to growth: Auto Invest

While hand-picking individual P2P loans gives you total oversight, it demands time, which you could be spending planning your dream.

To help you build a passive investment strategy, Lendermarket offers Auto Invest: a user-friendly portfolio management tool that automatically allocates your available funds into P2P loans based entirely on your predefined criteria. Once activated, the tool does the heavy lifting, checking new loan listings and deploying your capital efficiently without the need for manual intervention.

The core benefits of automation

Automating your investment strategy provides several distinct advantages that can help you stay on track for your goals:

Digital icon of a purple wallet with a snap button.

Eliminate cash drag:

"Cash drag" occurs when your money sits uninvested, generating zero returns. Auto Invest solves this by instantly reinvesting borrower repayments and interest into new loans, keeping your capital active.
Digital icon of a purple wallet with a snap button.

Effortless diversification:

A well-diversified portfolio is the cornerstone of risk management. Auto Invest seamlessly spreads your capital across different loan originators, interest rates, and loan terms based on your selected criteria.
Digital icon of a purple wallet with a snap button.

Transparent returns:

Fixed-interest P2P investments offer highly predictable returns. Currently, Lendermarket features a weighted average interest rate of 13.46%, with opportunities to earn up to 15% APY*.
Digital icon of a purple wallet with a snap button.

Buyback guarantee:

All loans come with a buyback guarantee from the loan originator, covering your principal and accrued interest if a borrower's payment is significantly delayed.
Set up Auto Invest today

Choose an Auto Invest strategy to match your ambitions

Because every goal has a very different timeline, Lendermarket offers a variety of automated options so you can select the strategy that best aligns with your independent financial objectives:

1. Ready-to-go strategies

For investors who prefer a straightforward setup, we offer predefined portfolios:

  • Steady growth (9–11% interest rate): A balanced mix targeting loans with moderate interest rates.
  • Pure growth (11–13% interest rate): Geared toward maximising yield by accepting a slightly higher risk profile.

2. Customised portfolios

For a tailored approach, you define the exact parameters (including maximum portfolio size, investment limits per loan, minimum interest rates, and maximum loan terms).

3. Auto Invest FLEX (for flexible timelines)

If you are saving for a goal like a car or a vacation and your plans suddenly change, Auto Invest FLEX is designed for investors who want automation without feeling locked in. While targeting annual returns of 10.5% to 12.5%, FLEX also gives you the flexibility to exit your investments early directly through the platform. You can request an exit before loan maturity for a clear, transparent fee of 50% of the annualised portfolio interest**.

Transparent, regulated, and independent

As a platform regulated by the Central Bank of Ireland (CBI), transparency and compliance are at the heart of Lendermarket. We do not provide personalised investment advice. Instead, we provide you with the objective data, transparent reporting, and powerful automated tools you need to take control of your financial journey.

Getting started takes just a few clicks. You can select your strategy, set your criteria, and the tool will immediately start deploying your capital, allowing you to pause, modify, or delete your settings at any moment.

Ready to make your capital work around the clock?

Your biggest goals shouldn't have to wait. Set up your passive investment strategy today and start building towards your future.

Start investing today

*Past performance is not a reliable indicator of future returns.


** Auto Invest FLEX Terms apply. The content on this page is for informational purposes only and does not constitute financial advice. Warning: Investing involves risk, including the partial or entire loss of capital. Past performance does not guarantee future results. Always review your financial position before investing. Lendermarket Limited, trading as Lendermarket, is regulated by the Central Bank of Ireland under EU Regulation 2020/1503 as a crowdfunding service provider.

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