In the ever-evolving landscape of P2P lending, staying updated is crucial. Recent events have brought both relief and challenges to various platforms, providing investors with a wealth of information. Notably, Lendermarket has made headlines by settling all pending payments, a long-awaited resolution that will affect many investors.
This article delves into the latest happenings across several P2P platforms, highlighting key changes and developments that could impact your investment strategies.
Index du contenu:
Lendermarket settles pending payments
After years of anticipation, Lendermarket has officially cleared all outstanding payments on its initial platform version, 1.0. This announcement marks the end of a chapter that has kept investors on edge for quite some time. Contrary to early fears, none of the investors lost money during this period. The platform plans to shut down version 1.0 permanently by December 31, 2025, which prompts users to download their transaction histories and account statements before that date.
My personal experience with Lendermarket between 2022 and 2025 has been largely positive. Despite initial setbacks, I achieved an impressive return of 22.87% according to my records, making it one of the most profitable investments in my portfolio. While the delays were frustrating, patience proved beneficial. However, I am contemplating my future with Lendermarket, as I already have investments in similar products like Monefit SmartSaver.
Community implications and regulatory changes
The resolution of pending payments is a significant win for the investor community, allowing those who have been waiting for reimbursements to finally move on. Additionally, Lendermarket has transitioned to a regulated investment platform, which introduces new compliance requirements, including a questionnaire for users. For those interested in exploring Lendermarket further, a registration bonus of 1.0% is available for new investors during their first 60 days.
Advertising efforts by Monefit
As Lendermarket resolves its issues, Monefit is ramping up its marketing strategy with a robust advertising campaign across Germany. If you’ve visited prominent public spaces, you may have spotted large billboards promoting Monefit, which has resulted in increased traffic to my content as new investors seek information online.
Unlike its competitor Bondora, which previously tried television advertising without much success, Monefit’s approach seems to be yielding better results. Within my portfolio, Monefit plays two critical roles: I have allocated a portion of my broker crash reserve here, and I have created a 12-month fixed-income ladder through their Vaults, achieving around 10% returns. Monefit SmartSaver has proven resilient, consistently delivering positive results without major issues.
Investment opportunities and incentives
As Monefit approaches its third anniversary, it may present attractive opportunities for both new and existing investors. Currently, new investors can benefit from a 0.50% cashback offer for the first 90 days and an initial bonus of 5 EUR. For those interested in learning more about Monefit, I have shared detailed experiences regarding the platform’s offerings and potential risks.
Developments concerning MJL Group and Estateguru
In the real estate investment sector, the MJL Group, which oversees the P2P platform Devon, has made headlines by committing to fulfill obligations related to an old Crowdestate project from 2021. After lengthy negotiations, an agreement was reached to return outstanding amounts, including interest and additional fees, to investors involved in two projects totaling approximately 1.3 million euros.
This action demonstrates MJL’s commitment to maintaining credibility and reinforcing investor trust in its group guarantee. As a result, I plan to increase my investments in Devon, given the renewed confidence in their platform.
Estateguru’s revised fee structure
Conversely, Estateguru has announced an increase in its management fees, set to take effect on November 1, 2025. The ongoing asset management fee will rise from 0.05% to 0.083% monthly, translating to an annual fee of approximately 1% instead of 0.6%. While this may seem minimal for smaller investments, it could significantly impact larger portfolios.
On a brighter note, Estateguru is reducing trading fees on their secondary market, which will drop from 3% to 1%, providing a more liquid market for those looking to exit their investments. This shift signifies a growing reliance on existing investors for revenue generation, indicating that while some are departing, there are still plenty who remain.
Income Marketplace’s current situation
Finally, the Income Marketplace is experiencing a downturn, as evidenced by ITF Group’s decision to lower interest rates by 1% to 11% per annum. This move aims to foster sustainable growth but results in reduced returns for investors. Interest in Income loans has waned, reflecting the challenges the platform faces amid stiff competition.
However, there is a glimmer of hope for ClickCash, which has resumed payments after a hiatus, returning about 46.5% of the originally expected amounts. While progress is evident, the road ahead remains long.
In summary, the latest updates in the P2P lending world underscore a mix of triumphs and challenges for platforms like Lendermarket, Monefit, MJL Group, Estateguru, and Income Marketplace. As always, staying informed is vital for making sound investment decisions.
