Lendermarket review
Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Lendermarket suits European investors who want a low entry point and a buyback guarantee without chasing the highest advertised return, and it holds a licence with the Central Bank of Ireland. Its target return of 10.5% is better than Mintos, and support runs on email, chat and help centre.
Key facts
- Best for
- A small first loan with a buyback guarantee at a low entry point.
- Target return
- 10.5% (Source, checked September 26, 2026)
- Minimum investment
- €10 (Source, checked September 26, 2026)
- Buyback guarantee
- Yes (Source, checked September 26, 2026)
- Secondary market
- No (Source, checked September 26, 2026)
- Regulators
- Central Bank of Ireland (Source, checked September 26, 2026)
- Legal entity
- Lendermarket Limited (Source, checked September 26, 2026)
- Headquarters
- Ireland (Source, checked September 26, 2026)
- Founded
- 2018 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Help-centre, Community (Source, checked September 26, 2026)
- Official website
- lendermarket.com
Apps and profiles
Pros and cons
Pros
- Target return of 10.5% compares well with Mintos at 9.2%
- A buyback guarantee is offered, while most of the group, at 81.5%, has none
- The minimum investment of €10 is below the peer group median of €50
- Regulated by the Central Bank of Ireland, one of 26 licensed brands in the peer group
- Support runs on email, chat and help centre, and email and the help centre cover most questions
Cons
- There is no secondary market, so loans cannot be sold on early, unlike the 52.2% of the group that offers one
- The target return of 10.5% is below Nectaro at 10% to 14%
- Target return ranks 6 of 15 brands compared, while the minimum investment of €10 is a touch above the group minimum at €0
- Support runs on email, chat and help centre only, with no phone line, where 69.8% of the group offer one
Who it suits
- Investors who want a low first commitment and a buyback guarantee on the loan
- Readers in Ireland and the wider euro area, given the Central Bank of Ireland licence and a minimum investment of €10
Who should look elsewhere
- Anyone after the highest advertised return, since Nectaro lists 10% to 14%
- Lenders who need to sell a loan before it matures, because there is no secondary market
- Investors who want phone support, since help runs on email, chat and help centre
Where it sits among rivals
Lendermarket sits in the middle of the group on the two numbers that matter most at the start. On minimum investment it ranks 4 of 23 brands compared, so the entry point is competitive but not among the smallest in the comparison. Its target return of 10.5% ranks 6 of 15 brands compared. That return is stronger than Mintos at 9.2%, weaker than the 10% to 14% range at Nectaro, and a long way under the 197.6% shown by Afluenta. Readers weighing cost and return together will find the lowest barrier to entry here paired with a mid-range return, not the highest in the group. The minimum investment of €10 also compares well with the group, where the typical floor is €50 and the lowest starts at €0.
Returns and risk
Lendermarket advertises a target return of 10.5%. What separates it from the alternatives on this list is the buyback guarantee: the brand offers one, and that is not the norm. Most brands in the group, 81.5%, do not offer any, so this stands out against Mintos, Nectaro and Afluenta. The trade-off sits on the other side of the account. There is no secondary market, so a loan cannot be sold on to another investor before it matures. The share of the group with the same limitation is 47.8%, while 52.2% offer a market for changing hands early. For a reader who weighs cost and safety, the practical picture is a mid-range return, a buyback promise on defaults, and no route to an early sale. The buyback guarantee is a platform commitment rather than a guaranteed payment, so returns on the 10.5% target are not assured.
Safety and regulation
Lendermarket is licensed and regulated by the Central Bank of Ireland, which is the supervisory detail a reader should weigh first. It is the only regulator named for the brand, and it is registered in the same market where the platform operates. The buyback guarantee is the second layer. The brand offers one, while 81.5% of the brands in the group do not. A buyback guarantee is a commitment from the platform rather than a legal protection, so it sits alongside the licence rather than in place of it. Set against alternatives, this is the strongest point in the comparison. Mintos, Nectaro and Afluenta are listed here on their target returns, and none of them carries a buyback guarantee in this comparison. Read the two together: a regulated lender with a buyback promise, where the money is lent through a single euro-area market rather than spread across several.
Who runs it
Lendermarket is run by Lendermarket Limited, based in Ireland and founded in 2018. A named legal entity matters for a peer-to-peer lender because it gives investors a clear party to hold accountable, and the company sits under the Central Bank of Ireland. Support runs on email, chat and help centre. Email and the help centre carry most of the load, with chat for quicker questions and a community for peer advice. Help centres are common across the site, at 84.6% of brands, and email support at 73.1%, so this setup is standard rather than unusual. Within the peer-to-peer group, 69.8% of brands offer phone, and Lendermarket does not list one. The account itself runs through the platform with automated investing, and the minimum investment of €10 keeps the first step small.
How Lendermarket compares
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Where Lendermarket is available
- Available
- Everywhere except United States
- Licence in Ireland
- Central Bank of Ireland, checked September 26, 2026
Frequently asked questions
What fees do I pay on Lendermarket?+
Lendermarket states its minimum investment as €10, which sets the smallest amount you can commit. That sits below the median minimum across the peer group of €50, so a small first commitment is workable. The advertised target return is 10.5%.
Is Lendermarket regulated?+
Yes. The Central Bank of Ireland is the regulator named for Lendermarket, and the licence is registered in Ireland. The brand runs as Lendermarket Limited, so investors have a named company to hold accountable rather than a trading name.
What does the buyback guarantee mean for my money?+
Lendermarket offers a buyback guarantee, which means the platform steps in on loans that default. It is not common in this group, since 81.5% of the brands have none. Treat it as a platform commitment rather than a guaranteed payment on every loan.
Can I sell my loans before they are repaid?+
No. Lendermarket has no secondary market, so a loan cannot be passed to another investor before it matures. That is the main trade-off against the 52.2% of the group that does allow an early sale. Plan to hold the loan to term.
How much can I invest and what return should I expect?+
The minimum investment is €10, with a target return of 10.5%. That return ranks 6 of 15 brands compared, so it is a mid-group figure rather than a high one. Returns depend on borrowers repaying.
How do I get help from Lendermarket?+
Support runs on email, chat and help centre, so email and the help centre are the main routes, with chat and a community for quicker questions. Across the site, 84.6% of brands run a help centre, which makes this a common setup. There is no phone line listed.
How does Lendermarket compare with Mintos on return?+
Lendermarket advertises a target return of 10.5%, against 9.2% at Mintos. Lendermarket also offers a buyback guarantee and a lower entry point of €10. Mintos does not offer a buyback guarantee in this comparison.
Is Lendermarket suitable for investors outside Ireland?+
Lendermarket is based in Ireland, was founded in 2018 and is licensed by the Central Bank of Ireland, so the operation is euro-area based. The minimum investment of €10 is quoted in euro. Readers in the UK should confirm availability and the applicable rules for their own country.
Sources
- lendermarket.com checked September 26, 2026
Backs: Buyback guarantee, Founded, Headquarters, Legal entity, Regulators, Licences
“The Buyback Guarantee protects your investment - if a loan is overdue by 60 days, the loan originator repays your principal plus accrued interest.”
- lendermarket.com/campaign/auto-invest-flex-automated-inve... checked September 26, 2026
Backs: Secondary market, Target return
“Early Exit via Replacement Funding (subject to availability)”
- lendermarket.com/help-centre checked September 26, 2026
Backs: Minimum investment
“The minimum investment in any loan on the Lendermarket platform is €10.00.”
- lendermarket.com/how-it-works checked September 26, 2026
Backs: Support channels
“our dedicated Investor Support is here to help to answer any of your questions”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.