In the ever-evolving world of P2P lending, recent developments have brought significant changes to various platforms. Lendermarket has finally addressed all outstanding payments on its original platform, marking the end of a long-standing issue that has been a concern for many investors. Meanwhile, Monefit is making waves with a large-scale advertising campaign across Germany, aiming to attract more users.
Additionally, the MJL Group is making headlines with positive news related to its group guarantee, while on the contrary, Estateguru has announced an increase in management fees for investors.
Income Marketplace is also witnessing a slowdown; ITF has reduced interest rates, but ClickCash has shown signs of life with recent payments.
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Lendermarket resolves pending payments
After much anticipation, Lendermarket has officially settled all pending payments on its previous platform version 1.0. This resolution has brought relief to investors who have been waiting for years for their funds to be returned. Contrary to initial fears, no one lost money due to these delays, and with this announcement, Lendermarket will discontinue its old platform by December 31, 2025. Investors are advised to download their transaction history and account statements before this date, as any future requests will incur a fee.
Personal experience with Lendermarket
Reflecting on my own journey with Lendermarket, I invested from 2022 to 2025 and, despite some challenges, achieved a notable return of 22.87% according to statistics. Although the pending payments were a source of frustration, the overall outcome proved profitable, highlighting the importance of patience in investing. While I am considering my next steps, my current investments in Monefit’s SmartSaver already provide sufficient exposure to similar products.
Monefit’s aggressive marketing strategy
As Lendermarket wraps up its past issues, Monefit is capitalizing on its momentum with a robust advertising initiative. If you’ve recently traveled through train stations or busy public areas in Germany, you’ve likely seen Monefit’s eye-catching billboards promoting their services. This advertising blitz is likely to drive more traffic to their platform, which I have noticed reflected in my own viewer statistics.
Portfolio insights with Monefit
Currently, I utilize two features of Monefit. Primarily, I have allocated a portion of my broker crash reserve here, and I have also created a 12-month fixed-rate investment ladder yielding approximately 10% with their Vaults feature. Monefit SmartSaver has proven itself, consistently delivering reliable results without issues.
As Monefit approaches its third anniversary, potential investors may find attractive conditions to either increase their investments or sign up for the first time. For more detailed insights into Monefit’s offerings, I recommend reading my experiences with the SmartSaver product, which highlights crucial risks and opportunities.
MJL Group’s commitment to investors
In the real estate sector, the MJL Group, the parent company behind the P2P platform Devon, has made a noteworthy commitment to honor an old Crowdestate project from 2021. After extensive negotiations, they have reached an agreement to pay back investors of two projects totaling approximately €1.3 million, covering all outstanding amounts, interest, legal fees, and a 3% penalty.
This action not only demonstrates MJL’s commitment to their investors but also reinforces the credibility of their group guarantee. For Devon investors, this is a significant confidence boost, proving that the group guarantee can be more than mere words.
Challenges for Estateguru and Income Marketplace
On a less positive note, Estateguru plans to revise its fee structure, effective November 1, 2025. The ongoing asset management fee will increase from 0.05% to 0.083% monthly, translating to an annual cost of about 1% instead of 0.6%. Although this may seem minimal for smaller investments, the cumulative effect on larger portfolios could be substantial.
Conversely, for secondary market sellers, the trading fee will decrease from 3% to 1%, enhancing liquidity for those looking to exit or liquidate projects quickly. This change may benefit investors like myself in the future.
The Income Marketplace is also experiencing a downturn, with ITF Group announcing a reduction in interest rates by 1% total in two phases, bringing them down to 11% per annum. This decision is aimed at sustainable growth, but it results in diminished returns for investors, leading to decreased interest in Income loans.
However, ClickCash has provided a glimmer of hope, recently making a payment of €5,000, bringing the total returned to 46.5% of the initially expected amount. Progress is being made, but there is still a long way to go.
In conclusion, this week’s news highlights crucial developments across various P2P lending platforms. For anyone looking to stay updated, I encourage you to share your thoughts and feedback, and feel free to spread the word about this informative overview.
