# Lendermarket

  > Lendermarket is an EU-authorised peer-to-peer (P2P) investing platform that connects investors with carefully vetted loan originators. Investors earn predictable passive income from consumer and SME loans, with
   buyback guarantees, a transparent risk-rating framework, and Auto Invest tools.

  Key facts:
  - EU-authorised P2P investing platform headquartered in Europe (Estonia time zone, EU operations).
  - Returns: target up to ~15% APY on investor portfolios; minimum investment €10; minimum withdrawal €50.
  - Risk mitigation: buyback guarantee on loans 60+ days overdue, loan-originator due diligence, ongoing financial monitoring, four-category risk rating (Transparency, Legal, Financial, Transactions).
  - Funding: SEPA bank transfers in EUR only (no SWIFT, no e-wallets); deposits and withdrawals are free.
  - Localised in 7 languages: English, German, Spanish, French, Italian, Finnish, Polish.
  - Eligibility: individuals 18+ and companies with a bank account in the EEA, UK, or Switzerland.
  - Compliance: KYC/AML, GDPR, aligned with EU Crowdfunding Regulation (EU 2020/1503).

  ## Main

  - [Home](https://lendermarket.com/): Lendermarket P2P investment platform — earn predictable passive income up to 15% APY with full buyback guarantees on a secure peer-to-peer platform.

  ## Product

  - [How it works](https://lendermarket.com/how-it-works): Walkthrough of investing on Lendermarket — selecting loans, using Auto Invest, earning returns, and managing repayments.
  - [Investing Money](https://lendermarket.com/invest): Overview of how to invest on the platform and grow passive income through P2P loans.
  - [Statistics](https://lendermarket.com/loan-statistics): Live platform statistics — funded volume, average returns, portfolio performance, and loan originator data.
  - [Fees](https://lendermarket.com/fees): Transparent breakdown of platform costs for investing, deposits, withdrawals, and account management.
  - [Buyback Guarantee & Extensions](https://lendermarket.com/buyback-guarantee-extensions): How the buyback guarantee covers loans 60+ days overdue, how loan extensions affect timing, and how interest accrues.
  - [Risk rating](https://lendermarket.com/lendermarket-risk-rating): Lendermarket's loan-originator risk-scoring framework across Transparency, Legal, Financial, and Transactions categories.
  - [Loan Originators](https://lendermarket.com/loan-originators): Directory of vetted lending partners issuing loans on the platform.

  ## Company

  - [About us](https://lendermarket.com/about-us): Lendermarket's mission, team, and approach to transparent P2P investing.
  - [For Loan Originators](https://lendermarket.com/for-loan-originators): Information for lending companies that want to list loans on Lendermarket.
  - [Affiliate programme](https://lendermarket.com/affiliate-programme): Earn commissions by referring investors to Lendermarket.
  - [Refer a friend](https://lendermarket.com/refer-a-friend): Investor referral programme — both referrer and referee earn rewards.

  ## Help & Support

  - [Help centre](https://lendermarket.com/help-centre): Searchable FAQs covering investing, returns, withdrawals, account management, taxation, and platform rules.
  - [Contact us](https://lendermarket.com/contact): Contact form and support email for account questions and investor inquiries (support@lendermarket.com).
  - [Complaint form](https://lendermarket.com/complaint-form): Official channel for submitting formal complaints to the Lendermarket team.

  ## Insights & Education

  - [Blog](https://lendermarket.com/blog): Articles on P2P investing strategy, market trends, product updates, and campaign news.
  - [What is P2P lending and how to use it](https://lendermarket.com/what-is-p2p-lending): Beginner-friendly explainer on P2P lending, interest rates, and buyback guarantees.
  - [Peer-to-peer lending explained](https://lendermarket.com/peer-to-peer-lending): Comprehensive guide to how P2P lending works, including risks, returns, buyback guarantees, and regulation.
  - [P2P loans vs bank loans](https://lendermarket.com/p2p-loans-vs-bank-loans-whats-the-difference): Comparison of P2P lending and traditional bank loans for investors and borrowers.
  - [How to maximise P2P lending returns](https://lendermarket.com/peer-to-peer-lending-returns-how-to-maximise-earnings-with-crowdfunding-platforms): Strategies for maximising earnings on crowdfunding platforms.
  - [P2P risk vs traditional and alternative investments](https://lendermarket.com/how-does-p2p-lending-risk-compare-to-traditional-and-alternative-investments): How P2P lending risk compares to stocks, bonds, real
   estate, and other alternatives.

  ## Campaigns

  - [Auto Invest FLEX](https://lendermarket.com/campaign/auto-invest-flex-built-from-investor-feedback): New Auto Invest product update built from investor feedback, ahead of the secondary market launch.
  - [Refer-a-friend programme](https://lendermarket.com/campaign/p2p-lending-referral-programme-lendermarket): €10 sign-up bonus and 1% cashback on referred investments.
  - [April Yield Bloom](https://lendermarket.com/campaign/april-yield-bloom): Up to 2% cashback campaign on fresh deposits and investments from €3,000.
  - [Pot o' Gold](https://lendermarket.com/campaign/pot-ogold): Limited-time bonus campaign — fixed €300 bonus on €17,000 invested during the promotional window.

  ## Legal

  - [Privacy Policy](https://lendermarket.com/privacy-policy): Data collection, use, retention, GDPR rights, and security practices.
  - [Cookie Policy](https://lendermarket.com/cookie-policy): Cookies and similar technologies used on the website for functionality, analytics, and user experience.

  ## System

  - [404 — Page not found](https://lendermarket.com/404): Default error page returned when a requested URL does not exist.

  ## Localised entry points

  The site is published in 7 languages. Replace the path prefix to access localised content:

  - English (default): `https://lendermarket.com/...`
  - German: `https://lendermarket.com/de/...`
  - Spanish: `https://lendermarket.com/es/...`
  - French: `https://lendermarket.com/fr/...`
  - Italian: `https://lendermarket.com/it/...`
  - Finnish: `https://lendermarket.com/fi/...`
  - Polish: `https://lendermarket.com/pl/...`