The European P2P lending market continues to shift, and this week’s highlights are led by Income Marketplace, where lower returns and delayed recoveries show clear signs of cooling momentum.

At the same time, other platforms are moving in different directions:

• Lendermarket has finally cleared all pending payments and will close its old 1.0 platform by year-end,
• Monefit is running a major marketing push across Germany,
• Devon’s parent company MJL Group proves its credibility by repaying old Crowdestate loans,
• and Estateguru has announced a new fee structure that increases costs for active investors but improves liquidity on the secondary market.

Across all these developments, one thing stands out — the P2P lending space is maturing. Some platforms are streamlining operations or building trust, while others face pressure to maintain returns.

#1 Lendermarket P2P clears all pending payments and closes old platform

After years of waiting, Lendermarket* has officially settled all pending payments from its old 1.0 platform.
The company confirmed that every outstanding balance has been fully paid out, finally putting an end to an issue that has frustrated many investors for years.

Contrary to early predictions from some in the community, no investor actually lost money due to the pending payments — a surprisingly positive ending to a long-running chapter in the platform’s history.

Platform 1.0 to be shut down

With this final payout completed, Lendermarket 1.0 will be permanently closed on December 31, 2025.
Investors are advised to download their transaction history and account statements before that date, as later requests will only be handled manually — and at an extra fee.

My experience with Lendermarket

I personally invested in Lendermarket from 2022 to 2025, and despite all the hiccups, it turned out to be one of my most profitable platforms overall, with an average return of 22.87% according to my stats.

Yes, the pending payments were annoying — but in the end, patience paid off. Whether I’ll return is another question, though. I already hold Monefit SmartSaver, another Creditstar product, and doubling up on exposure doesn’t really make sense for me.

Still, for the broader community, this is a great outcome. Investors who waited years for repayments can now finally close the book — or even consider new investments, as Lendermarket is now a fully regulated investment platform.
That also means filling out a more detailed onboarding questionnaire, but at this point, we’re all used to that.

Want to learn more about Lendermarket? Check out my full Lendermarket review for all key details.

#2 Monefit P2P ramps up marketing in Germany

After months of steady growth, Monefit* — the sister platform of Lendermarket — is now taking its visibility campaign to the next level.
If you’ve passed through German train stations or other public areas recently, you’ve likely noticed the massive Monefit billboards popping up everywhere.

The company is clearly investing heavily in brand awareness across Germany, and it seems to be working — I’ve already seen a noticeable spike in traffic and search activity for Monefit-related content.

Massive campaign, cautious curiosity

When people see the ads, they usually have no idea what Monefit actually is, so they turn to Google or YouTube — where they often find one of my reviews or those from fellow P2P bloggers. Competitor Bondora once ran a TV campaign in Germany, but it didn’t have the lasting impact they had hoped for. I’m curious to see if Monefit’s more data-driven approach performs better.

My experience with Monefit SmartSaver

Monefit currently plays two roles in my portfolio:

1. I use it to park part of my broker crash reserve, and

2. I built a 12-month fixed-term ladder through the Vaults, averaging roughly 10% annual returns.

Starting in November, I’ll be withdrawing my first round of interest payments.
Just like Lendermarket, Monefit SmartSaver has proven all skeptics wrong so far — delivering consistent results, no payment issues, and excellent reliability.

The platform will soon turn three years old, and if this marketing push pays off, we might see new investor incentives on the horizon.

Want to learn more about Monefit? Check out my Monefit SmartSaver review for all key details, risks, and opportunities.

#3 Devon P2P: MJL Group proves its guarantee is more than just words

A powerful signal came this week from the real estate investment segment. The MJL Group, the parent company behind Devon*, has officially confirmed that it will fully repay an old Crowdestate project from 2021 — a case that had been stuck in limbo for years.

After long and complex negotiations, a formal settlement agreement was signed with the outgoing platform Crowdestate, marking a rare success story in the P2P sector.

Full repayment including interest and penalties

The case involves two projects with a combined value of roughly €1.3 million. According to the agreement, all outstanding funds, including interest, legal costs, and a 3% penalty, will be returned to investors.

With this step, MJL is taking full responsibility for historical obligations — something we hardly ever see in the industry. It’s a strong signal that the group backs up its corporate guarantee with real capital, not just words.

A real trust boost for Devon investors

This move clearly demonstrates MJL’s credibility and financial strength, which also benefits Devon investors. The group guarantee, often seen as a formality, just proved its real-world value.

Interestingly, parts of the P2P community also played a key role in pushing this resolution forward — a great example of collaboration between investors and platforms.

I personally plan to slightly increase my Devon allocation following this news. There are currently several cashback campaigns available, and after this development, MJL feels stronger and more reliable than ever.

Want to learn more about Devon? Check out my full Devon review for an in-depth look at the platform and its projects.

#4 Estateguru P2P increases ongoing investor fees

The well-known real estate lending platform Estateguru* has announced another change to its fee structure — and this time, it directly impacts active investors.

Starting November 1, 2025, the platform will raise its asset management fee from 0.05% to 0.083% per month. On an annual basis, that’s roughly 1% instead of 0.6% — a noticeable increase, especially for larger portfolios.

Example: small numbers, big impact

If you hold a loan worth €100, you’ll now pay close to €1 per year, up from €0.60. That might sound minor, but across portfolios in the five-figure range, these extra fees will add up quickly.

Secondary market becomes cheaper

There’s one piece of good news, though. The secondary market trading fee will drop from 3% to 1%, and the maximum discount for sellers will double from 40% to 80%.
This should make the secondary market more liquid, which is welcome for investors looking to exit early or offload loans faster.

In short: those leaving Estateguru benefit, while those staying will pay more. It’s another clear sign that the Estonian platform is now focusing its income streams increasingly on its existing investor base — which, to be fair, at least shows there are still plenty of investors left to charge. 🙂

👉 Want to learn more about Estateguru? Check out my full Estateguru review for a detailed breakdown of returns, risk, and current project trends.

#5 Income Marketplace P2P continues to lose momentum

The once fast-growing Income Marketplace is clearly slowing down. Its most popular loan originator, ITF Group, has reduced interest rates twice, each time by 0.5%, bringing the new base rate down to 11% p.a.

According to ITF, the move aims to promote more sustainable growth and lower overall risk — but for investors, it simply means less return for the same level of risk.
Unsurprisingly, investor demand on the primary market has dropped noticeably in recent weeks.

ClickCash update: small progress, still a long way to go

There was at least a minor positive development regarding ClickCash, a long-standing problem case. After months of silence, a €5,000 payment was made in September, this time bridged by Income itself, as previously promised.

In total, roughly 46.5% of the originally expected recovery amount has now been returned — progress, yes, but still far from resolution.

The current interest trend at Income clearly shows the platform’s struggle to stay competitive. It also explains why many portfolios — mine included — have been stagnating for months. In today’s environment, there are simply more attractive alternatives available, where returns and risks remain better balanced for most investors.

👉 Want to learn more about Income Marketplace? Check out my full Income Marketplace review for all key insights and current platform developments.