Lendermarket
Ireland · Consumer · Founded 2019
Our score
Average return
13.46%
platform average
Regulation: ECSPR licence C513967 (Central Bank of Ireland, 17 Dec 2024)
1.5% cashback on your net invested funds over 90 days
Partner link — we may earn a commission at no cost to you. It does not affect the score above.
Our verdict
Lendermarket holds a crowdfunding licence from the Central Bank of Ireland (since 17 December 2024) and has grown from three active lenders in 2025 to nine in 2026, but its largest and longest-standing lender, Creditstar Group, shares its owner, SA Financial Investments OÜ. Between 2022 and 2024 Creditstar repayments sat in pending payments for long periods — independent coverage reports waits of up to 720 days — before Lendermarket reportedly announced them settled in October 2025. The operator itself lost EUR 1.12 million in 2025, and its auditor reported a material going-concern uncertainty, with continuation depending on support from group companies. The licence is real, but it does not cover the separate Claims Assignment Service, and it does not protect against the related-party risk that matters most here.
Read our full Lendermarket reviewRegulation, returns, fees, risks and our verdict — in depth.What works
- Crowdfunding service provider authorisation from the Central Bank of Ireland since 17 December 2024 (ref. C513967)
- Nine lenders listed in 2026, up from three active in 2025
- No purchase, management or deposit fees, and a EUR 10 minimum per loan
- Creditstar Group, the main lender, reported a EUR 13.5 million net profit for 2025, audited by KPMG Baltics
What doesn't
- Related-party lender: Lendermarket and Creditstar Group are both owned by SA Financial Investments OÜ, so the platform is rating and chasing its own sister company
- Creditstar pending payments built up between 2022 and 2024 and were reported settled only in October 2025; up to six 30-day extensions can still delay the buyback
- The operator lost EUR 1.12 million in 2025 and its auditor reported a material uncertainty on going concern
- No secondary market, a 3.5% fee to exit Auto Invest FLEX early, and the Claims Assignment Service sits outside the licence and its protections
Who this is for
Investors who have read the Creditstar pending-payment history, spread money across lenders, and keep Lendermarket a small, deliberate position rather than a core holding.
How the score breaks down
How this score is calculatedEach dimension is scored 0–10 from documented inputs, then multiplied by its weight and summed. Nothing is rounded until the end.
Figure taken from: lendermarket.com · Sep 18, 2026 · 13.46% weighted average interest rate; 27,000+ investors; regulated by the Central Bank of Ireland
Terms & conditions tracker
We re-read the public terms of this platform every day and log what changed.
