Income Marketplace Review 2026
A transparent P2P lending platform launched in 2021 with 12% returns and strong investor protections
Quick Verdict
Income Marketplace is a promising new P2P lending platform that delivers on transparency and security. With 12% advertised returns, 60-day buyback guarantee, and a cashflow buffer, it meets all criteria for a quality investment platform worth adding to a diversified portfolio.
Try Income MarketplaceWhat is Income Marketplace?
As for all Peer-to-Peer lending platforms, Income Marketplace is a financial platform that matches borrowers with investors, that will lend money on the platform in exchange of interests on loans. Income Marketplace is really recent platform, as it was launched in early 2021. They are based in Estonia, with offices in Vienna.
The interesting thing is that they actually reached out to me way before launching, to ask me questions about what I would like to see in a new Peer-to-Peer lending platform based on my experience. I really liked this approach, and I can say it's the first time that it happened like this so I am definitely looking forward to see how they evolve in the future. During our calls I insisted on transparency towards investors, especially on the loan originators side, as well as on security of investors funds.
What Returns Can You Expect?
Real returns based on my investing experience
The returns you can expect on Income Marketplace are close to what you can expect in the field, and currently advertised at 12% per year. From their statistics page, we can currently see that their returns are 11.83% on average, which is close to this number.
What Makes Income Marketplace Special
Income Marketplace stands out for its exceptional transparency and investor-first approach
Detailed Statistics
Access comprehensive metrics including loan originator debt levels - rarely seen on other platforms
Investor-Focused Development
Built with input from experienced P2P investors to ensure the platform meets real investor needs
Fast Setup & Withdrawals
Account verification under 5 minutes and withdrawals processed in just 2 days
The platform's commitment to transparency and security makes it stand out in the crowded P2P lending space.
Is Income Marketplace Safe?
Key safety features and regulatory compliance
60-Day Buyback Guarantee
All loans come with a 60-day buyback guarantee, ensuring your investment is protected if borrowers default.
Cashflow Buffer
Additional collateral from loan originators covers money due to investors in case of loan originator default.
Transparent Statistics
Detailed metrics including how much is currently owed by loan originators to investors - rare transparency in the industry.
Verified Team
Complete transparency about their team with detailed role descriptions for each member on their website.
🔒 Risks & Guarantees
On Income Marketplace, all loans come with a 60 days buyback guarantee, so this is already a good point.
They also have a cashflow buffer on top of the buyback guarantee, meaning they have cash (a collateral coming from the loan originators) to cover the money due to investors in case a loan originator would not be paying back or would go in default.
🏢 The Company & Team
As I mentioned earlier, the company just launched in 2021, but I really like the fact that they reached out to me before launching to see what I would like to see in a good P2P lending platform, and from what I saw through this review they definitely took my feedback into account :) For example, they have a lot of detailed metrics on their statistics place, including how much is currently owed by loan originators to the investors, which is quite rare to see for a platform.
They also are completely transparent about their team on their website, with a complete description of the role of each person in the team, which is also something I appreciate seeing on a platform.
🌍 Loan Originators
I also always have a close look at loan originators that a platform uses, as this is usually where a platform will fall short if anything bad happens like a financial crisis.
Here, I really liked the transparency on who their loan originators are, which you can find on a dedicated page directly accessible from the main page of the website.
They currently have loan originators from Brazil, Indonesia, and Finland, with more coming soon. I liked the fact that they give details about each of their loan originators, especially about the security of the investors funds.
Getting Started on Income Marketplace
Open and Verify Your Account
Sign up and complete the ID verification process. This takes under 5 minutes and is done entirely online.
Deposit Funds
Transfer money to your Income Marketplace account via simple bank transfer to start investing.
Set Up Auto-Invest Strategy
Configure your investment strategy with parameters like loan term (under 6 months recommended) and investment per loan (€10 recommended).
Start Earning
Once your strategy is activated, Income Marketplace automatically invests your funds and your portfolio starts generating returns immediately.
Pros & Cons
✅ Pros
- ✓High transparency with detailed statistics on loan originators
- ✓60-day buyback guarantee on all loans
- ✓Cashflow buffer on top of buyback guarantee for extra security
- ✓Easy and quick account setup (under 5 minutes)
- ✓Fast withdrawals (2 days)
- ✓Transparent team information on website
- ✓Simple auto-invest strategy builder
- ✓Competitive returns around 11-12%
- ✓Detailed loan originator information available
- ✓Low minimum investment (€10 per loan)
❌ Cons
- ✗Relatively new platform (launched 2021)
- ✗Limited track record compared to established platforms
- ✗Smaller number of loan originators compared to mature platforms
My Experience with Income Marketplace
I added Income Marketplace to my portfolio in 2021 after they reached out to me before launching. I appreciated their approach of asking experienced investors what they wanted to see in a P2P platform. I use a conservative strategy investing €10 maximum per loan in short-term loans (less than 6 months), and the platform has performed well with over a thousand loans available matching these criteria.