How it works

Your investment journey starts here!
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EU regulated badge

Join more than 28,000 investors who have already earned more than €38M in passive income on a platform that's regulated by the Central Bank of Ireland

While every investment involves risk, we’ve built a multi-layered safety net to help protect your capital and ensure platform stability

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60 day Buyback Guarantee

If a borrower is more than 60 days late, the Loan Originator automatically repays your full principal and any accrued interest. In addition, some Loan Originators are offered a Group Guarantee providing you with even more protection on your investments. Learn More.

Blue and purple shield with a white checkmark symbolizing security.

Skin in the game

Our Loan Originators keep a portion of every loan on their own books to ensure quality. This means originators keep a portion of the loan on their own balance sheet, ensuring their interests are aligned with investors.

Blue and purple shield with a white checkmark symbolizing security.

CBI regulated

Operated under the strict oversight of the Central Bank of Ireland for your protection.

Blue and purple shield with a white checkmark symbolizing security.

Exit investments

Auto Invest FLEX automates your growth with our most advanced tool. Select your Auto Invest FLEX portfolio, set your preferences and our investment engine will diversify your capital, while giving you the flexibility to access your funds when you need them.

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Investor support

If you need further support our dedicated Investor Support is here to help to answer any of your questions. Simply click on the yellow icon bottom right corner and our Investor Support team will assist you.

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0% default rate

Our trusted Loan Originators have a 0% default rate.

To give you a start boost, we will give you a free €10 investment to start and invest it for you via our Auto Invest feature!
Start investing
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Loved and trusted by 27k investors

The Lendermarket engine

How it works
List of companies with flags: Credifiel from Mexico, Dineo from Spain, and Creditstar Group from Estonia with their full company names.
01

Investments

Trusted onboarded Loan Originators post loans for funding to the Lendermarket platform.

Investment options table showing terms, interest rates from 12.50% to 17.00%, with purple Invest buttons and a note on steady growth interest rate 10%-15%.
02

Invest

Investors invest manually or set-up Auto-Invest criteria and let Lendermarket manage your diversified portfolio and legal contracts.

Financial dashboard showing account value €120,111.67, average interest rate 15.72%, available balance €32,000, invested funds €21,790.61, and profit €9,221.67 with line and bar charts.
03

Earn

Investors fund the loans and receive monthly principal and interest payments directly to their wallet.

Purple rectangular button with a white lock icon and the text 'Buyback guarantee' on a light purple triangular background.
04

Protect

Risks are mitigated by Buyback Guarantee. Loan Originator Buyback Guarantee kicks in automatically if a payment is 60 days late.

Exit portfolio interface showing total available to exit €10,950.00, input for minimum exit amount €0.00, percentage buttons 10%, 25%, 50%, 75%, 100%, and buttons to Cancel or Exit investments.
05

Exit

Standard investments conclude naturally when the final payment of the loan is made. Alternatively with activated Auto-Invest Flex, you enjoy enhanced flexibility, allowing you to access your funds and exit your positions more easily.

Your investment repayments are directly linked to the payments made by the actual borrower subject to the extensions and buyback guarantee offered by the Loan Originator. Learn more

Three investment company names with their respective country flags: Rapicredit from Colombia, Dineo from Spain, and Creditstar Group from Estonia.
01

Investments

Trusted onboarded Loan Originators post loans for funding to the Lendermarket platform.

Investment options showing steady growth with interest rates from 12.50% to 17.00%, and corresponding Invest buttons.
02

Invest

Investors invest manually or set-up Auto-Invest criteria and let Lendermarket manage your diversified portfolio and legal contracts.

Financial dashboard showing account value of €120,111.67 with 8.11% growth, average interest rate of 15.72%, available balance €32,000, invested funds €21,790.61, and profit €9,221.67.
03

Earn

Investors fund the loans and receive monthly principal and interest payments directly to their wallet.

Purple button with lock icon and text 'Buyback guarantee' on a light purple triangular background.
04

Protect

Risks are mitigated by Buyback Guarantee. Loan Originator Buyback Guarantee kicks in automatically if a payment is 60 days late.

Exit portfolio interface showing total available to exit €10,950, minimum amount to exit €0, with percentage options 10%, 25%, 50%, 75%, 100%, and buttons for Cancel and Exit investments.
05

Exit

Standard investments conclude naturally when the final payment of the loan is made. Alternatively with activated Auto-Invest Flex, you enjoy enhanced flexibility, allowing you to access your funds and exit your positions more easily.

Simple, transparent and built for growth

Lendermarket welcomes private and business investors! 

Simple

Registration takes minutes. Verify your identity and deposit as little as €10 to start building your portfolio instantly.

Transparent

All investments on the Lendermarket platform are easy to understand by providing you with information that's relevant. As a regulated platform by the Central Bank of Ireland, we provide Regulated and Unregulated investments, regardless of your choice all our investments come with the same level buyback guarantee from Loan Originators. 

Growth

We have made investing simple, either choose investments manually, or auto-invest which does the job for you. You can select from desired length, interest rate and services suitable for your to grow your investments.

Regulated vs. unregulated service

Lendermarket makes it easy to see whether a Listed Loan is offered through the Regulated Service or the Unregulated Service. Each Loan Originator offers loans under one of these service types, and both can be selected or deselected before investing. The service type is clearly shown with icons on the platform. For more information on services click here

Crowd of people at Lendermarket booth in a conference, discussing and engaging with representatives.Lendermarket show
Regulated icon

Regulated service

Lendermarket provides the Regulated Crowdfunding Service and is authorised by the Central Bank of Ireland under Regulation (EU) 2020/1503 on European crowdfunding service providers. Investors receive a Key Investment Information Sheet (KIIS). This document provides standardised information about the project, including key risks and financial details.


Unregulated icon

Unregulated service

Lendermarket also offers investments through the Claims Assignment Service. This service falls outside the scope of Regulation (EU) 2020/1503 and is therefore not part of the regulated crowdfunding framework.

Although the legal framework differs between the two services, Lendermarket applies the same careful approach to platform operations and investor experience in both cases.

Yes (60-Day)
Yes (60-Day)
Skin in the game
Yes (originator stake)
Yes (originator stake)
Interest on delays
Yes (accrued interest paid)
Yes (accrued interest paid)
Platform supervision
Central Bank of Ireland
Lendermarket Internal Compliance

Lendermarket Limited operates under authorisation and supervision of the Central Bank of Ireland in line with the EU Crowdfunding Regulation for crowdfunding service providers. This authorisation confirms that our platform meets strict regulatory standards designed to protect investors and ensure transparency.

Simple, transparent and built for growth

Lendermarket welcomes private and business investors
Digital icon of a purple wallet with a snap button.

Simple

Registration takes minutes. Verify your identity and deposit as little as €10 to start building your portfolio instantly.

Blue and purple shield with a white checkmark symbolizing security.

Transparent

All investments on the Lendarmarket platform are easy to understand by providing you with information that's relevant. As a regulated platform by the Central Bank of Ireland, we provide Regulated and Unregulated investments, regardless of your choice all our investments come with the same level buyback guarantee from Loan Originators.

Euro currency symbol with a diagonal line crossing it indicating no fees or charges.

Growth

We have made investing simple, either choose investments manually, or auto-invest which does the job for you. You can select from desired length, interest rate and services suitable for your to grow your investments. 

Smartphone screen showing LENDERMARKET app with text 'Earn more. Predictably.' on a purple background.

Earn up to 15% APY

Diversify your investments with Lendermarket

Invest now