In the world of P2P lending, recent happenings have captured the attention of investors. Notably, Lendermarket has made headlines by finally clearing all pending payments on its old platform, bringing an end to a longstanding issue. Meanwhile, other platforms like Monefit are ramping up their advertising efforts across Germany, signaling growth and engagement in the sector.
As the landscape of P2P lending evolves, it’s essential for investors to stay updated on these changes. This article reviews the latest developments and their implications for both existing and potential investors in the P2P space.
Lendermarket completes pending payments
After years of uncertainty, Lendermarket has officially settled all outstanding payments from its initial platform version, 1.0. This long-anticipated resolution means that investors who have been waiting for their returns can finally close this chapter. Contrary to initial fears, investors did not incur losses due to this situation.
With the completion of these payments, Lendermarket plans to shut down its older platform by December 31, 2025. Investors are encouraged to download their transaction history and account statements before this date, as any future requests for this information will incur a fee.
Personal investment experience
Reflecting on my own journey, I invested in Lendermarket from 2022 to 2025. Despite the platform’s challenges, it yielded an impressive return of 22.87%, making it one of my most successful investments. Although the pending payments were a source of frustration at times, my overall experience was positive, highlighting the importance of patience in the investment world.
While I have since diversified my portfolio with products like Monefit SmartSaver, the resolution of Lendermarket’s payments is a positive development that might encourage other investors to consider the platform, especially now that it is a regulated investment entity.
Monefit’s growth and advertising campaign
Another significant player in the P2P lending arena is Monefit, which is currently executing a robust advertising campaign throughout Germany. Many of you may have seen their prominent billboards in train stations and public spaces. This marketing push appears to be paying off, as it has increased visibility and engagement with potential investors.
Such advertising efforts are crucial for attracting new users, especially those unfamiliar with the platform. Monefit has managed to maintain a solid performance, offering two key functions in my investment portfolio: a reserve for broker crashes and a 12-month fixed-rate investment with approximately 10% returns. As Monefit approaches its third anniversary, there may be enticing offers for both new and existing investors.
MJL Group’s commitment in real estate
In the realm of real estate investment, the MJL Group, which oversees the Devon platform, has made significant strides by fully settling an old Crowdestate project from 2021. Following extensive negotiations, they have committed to repaying nearly 1.3 million euros, including interest and legal fees, to investors. This act reinforces the credibility of the MJL Group and their commitment to honoring their financial responsibilities.
This move not only enhances investor confidence in the Devon platform but also serves as a testament to the strength of the group guarantee, proving that it is more than just a theoretical promise. As a result, I plan to increase my investment in Devon, especially with the attractive cashback projects currently available.
Challenges and changes at Estateguru and Income Marketplace
However, not all news in the P2P lending sector is positive. Estateguru has announced an increase in management fees effective November 1, 2025. The monthly management fee will rise from 0.05% to 0.083%, equating to an annual increase from 0.6% to approximately 1%. While this may seem minimal for smaller investments, it could accumulate significantly for larger portfolios.
Interestingly, for those trading on the secondary market, there is a reduction in trading fees, which may encourage more liquidity. Yet, this fee increase for active investors suggests Estateguru is shifting towards generating more revenue from its existing investor base.
Income Marketplace’s evolving landscape
Looking at Income Marketplace, the atmosphere appears to be cooling off. The popular lender, ITF Group, has announced a reduction in interest rates, now offering a maximum of 11% per annum. This decision aims to ensure sustainable growth and risk mitigation, but it also means lower returns for investors at the same level of risk.
On a brighter note, ClickCash, after a period of silence, has made some repayments recently, indicating a slow but steady recovery. However, the overall stagnation of the Income Marketplace portfolio suggests that investors are exploring more attractive alternatives in the current market.
In summary, recent developments in the P2P lending sector, particularly regarding Lendermarket and Monefit, showcase a mix of positive resolutions and emerging challenges. Staying informed about these changes is crucial for any investor aiming to navigate the evolving landscape of P2P lending.