Income Marketplace Review 2025
The Investor-Centric P2P Lending Platform
Built with investor feedback from day one
My Quick Verdict
Income Marketplace stands out because they actually asked investors what we wanted before launching. The result? Exceptional transparency, detailed statistics that most platforms hide, and security features like a 60-day buyback guarantee plus a cashflow buffer from loan originators. With ~12% returns and fast withdrawals, this platform is on its way to becoming a solid player in European P2P lending.
Try Income Marketplace FreeWhat is Income Marketplace?
Income Marketplace is a Peer-to-Peer lending platform that matches borrowers with investors who lend money in exchange for interest on loans. Launched in early 2021, they are based in Estonia with offices in Vienna.
The interesting thing is that they actually reached out to me before launching to ask what I would like to see in a new P2P platform based on my experience. I really liked this approach—it's the first time this has happened. During our calls, I insisted on transparency towards investors, especially regarding loan originators, as well as security of investor funds.
Built With Investor Feedback
Unlike most platforms, Income Marketplace consulted with experienced investors before launch. The result is a platform focused on what actually matters: transparency, detailed metrics, and investor protection. They definitely delivered on my feedback.
What Returns Can You Expect?
Competitive returns in line with the best P2P platforms
The returns on Income Marketplace are close to what you can expect from top P2P platforms, currently advertised at 12% per year. From their statistics page, the actual average returns are 11.83%, which is very close to their advertised number—a good sign of honest marketing.
Is Income Marketplace Safe?
I evaluate platforms on three areas: guarantees offered, the company & team, and the loan originators
60-Day Buyback Guarantee
All loans on the platform come with a buyback guarantee, protecting your investment if borrowers default after 60 days.
Cashflow Buffer
Additional collateral from loan originators to cover payments to investors, even if an originator faces issues.
Full Transparency
Detailed statistics including how much is currently owed by loan originators to investors - rare for P2P platforms.
Investor-Built Platform
They reached out to experienced investors before launching to understand what we want in a P2P platform.
The Company & Team
While the platform launched in 2021, I really appreciated that they reached out to experienced investors beforehand. They clearly took feedback into account—for example, they have detailed metrics on their statistics page, including how much is currently owed by loan originators to investors. This level of transparency is quite rare for a P2P platform.
They are also completely transparent about their team on their website, with a complete description of each person's role. This openness is something I always appreciate when evaluating a platform.
Loan Originators
I always have a close look at loan originators, as this is usually where platforms fall short during financial crises. Income Marketplace excels here with full transparency—you can find detailed information about each originator on a dedicated page directly accessible from the main website.
Each loan originator has detailed information about the security of investor funds.
Getting Started with Income Marketplace
Open & Verify Account
Opening an account is really quick—including ID verification, everything was done in under 5 minutes for me. The process is straightforward and user-friendly.
Deposit Funds
Deposit money via simple bank transfer. This is standard for P2P platforms and works smoothly.
Set Up Auto-Invest Strategy
While you can invest manually, I recommend using the auto-invest feature. It's really easy to build a strategy on Income Marketplace.
My Strategy:
- • Short-term loans only (less than 6 months)
- • Maximum €10 investment per loan
- • Over 1,000 loans available with these settings
Start Earning
Once you've activated your strategy, you're done! Income Marketplace will automatically invest your funds and your portfolio will start generating interest.
Fast Withdrawals Tested
As with all platforms I review, I tested withdrawals—the money was back in my bank account in just 2 days. Quick and hassle-free.
Pros & Cons
Pros
- Built with investor feedback from the start
- 60-day buyback guarantee on all loans
- Cashflow buffer for extra protection
- Exceptional transparency on loan originators
- Detailed statistics and metrics dashboard
- Easy-to-use auto-invest feature
- Fast withdrawals (2 days)
- Transparent team information
- Competitive 12% returns
- Over 1,000 loans available
Cons
- Relatively new platform (launched 2021)
- Limited track record compared to established players
- Fewer loan originators than larger platforms
- No secondary market
Final Verdict
I spend a lot of time choosing high-quality platforms to invest on, and Income Marketplace definitely meets all my criteria in terms of returns, safety, and general usability.
I really appreciated that they reached out before launching to ask my advice about what I look for in a good P2P platform, and I'm happy to see they definitely delivered in terms of transparency and security. Income Marketplace is definitely on the way to becoming a solid player in the Peer-to-Peer lending space.