The landscape of P2P lending continues to evolve, with notable updates from various platforms. Recently, Lendermarket has finally settled all its pending payments, bringing closure to an issue that has affected many investors for years. Meanwhile, Monefit is making waves with an extensive advertising campaign across Germany, promising exciting developments for its users.
Additionally, positive news emerges from the MJL Group regarding their group guarantee, while Estateguru raises concerns as it plans to increase management fees.
Lastly, Income Marketplace appears to be slowing down, with the ITF Group lowering interest rates, although ClickCash has provided a glimmer of hope with a recent payment.
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Lendermarket clears pending payments
After a prolonged wait, Lendermarket has officially resolved all outstanding payments from its older platform, version 1.0. This resolution marks a significant milestone for investors who have been anxious about their delayed returns. Contrary to initial predictions, there have been no losses reported by investors during this period. All pending transactions have been processed, allowing users to finally move on from this chapter.
As a result of this development, Lendermarket 1.0 will be permanently shut down by December 31, 2025. Investors are advised to download their transaction histories and account statements before this date, as any future inquiries will incur fees. Personally, my investment experience with Lendermarket between 2022 and 2025 yielded a remarkable return of 22.87%, demonstrating that patience can pay off in the long run.
New opportunities for investors
With the resolution of pending payments, many in the community are now considering new investment opportunities with Lendermarket. The platform has evolved into a regulated investment site, which may attract more investors looking for stability. However, newcomers will need to complete a questionnaire to access the platform’s features.
For those looking to explore more about Lendermarket, my personal experiences are detailed in a dedicated review. The platform currently offers a registration bonus of 1.0% on investments made in the first 60 days, which is an attractive incentive for potential users.
Monefit’s advertising blitz
In a parallel development, Monefit is ramping up its presence with a massive advertising campaign throughout Germany. Many commuters have likely noticed their eye-catching billboards at train stations and public places. As a result, interest in Monefit is surging, leading to increased traffic on related content across various platforms.
This marketing effort is crucial in attracting new users, especially as many may be unfamiliar with the offerings of Monefit. Unlike its competitor Bondora, which faced challenges with its advertising campaigns, Monefit appears to be gaining traction. With two key features in my portfolio, I’ve allocated part of my investment strategy to Monefit, where I have built a 12-month fixed-income ladder offering approximately 10% returns.
Positive performance despite challenges
Despite initial skepticism, Monefit has consistently delivered strong performance without major issues. As the platform approaches its third anniversary, potential investors may find particularly appealing conditions for investment. Current promotions include a cashback offer of 0.50% for investments made in the first 90 days, along with a 5 EUR starting credit.
Updates from MJL Group and Estateguru
Turning to the real estate sector, the MJL Group, which oversees the P2P platform Devon, has made a significant commitment by settling an old Crowdestate project from 2021. After lengthy discussions, they have reached an agreement that includes returning all outstanding amounts, including interest and legal fees, to investors. This action not only reinforces MJL’s credibility but also serves as a strong testament to the effectiveness of their group guarantee.
On the other hand, Estateguru plans to adjust its fee structure starting November 1, 2025, increasing the ongoing asset management fee from 0.05% to 0.083% monthly. Although this may seem minor for smaller investors, those with substantial portfolios might notice a significant increase in their annual costs. Conversely, the trading fees for secondary market sellers will decrease from 3% to 1%, improving liquidity for investors looking to exit projects.
Income Marketplace and ClickCash updates
Lastly, Income Marketplace has experienced a downturn, with popular lender ITF Group announcing a reduction in interest rates to 11% per annum. This move aims to promote sustainable growth but results in lower returns for investors. The market’s response has been tepid, with diminishing interest in Income loans evident from recent trends.
However, ClickCash has provided some positive news, having made a payment of 5,000 EUR in September, bringing the total recovered amount to approximately 46.5% of the initial target. While progress is being made, challenges remain, and many investors are seeking better alternatives in the current market landscape.
In summary, the P2P lending sector is witnessing significant changes, particularly with Lendermarket’s resolution of pending payments. As new opportunities arise, investors must stay informed and consider their options carefully.
