Live ranking / Last updated 13 May 2026
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Income Marketplace

Estonian loan-originator marketplace with cashflow buffers and €10 minimum.

Estonia since 2020 KYC auto-invest
Overall rating
4.00 / 5
59 reviews
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Updated 8 May 2026
Section 01 · Overview

About the platform.

Income Marketplace is an Estonian P2P platform offering investments in loans from vetted originators across multiple countries. Founded in 2020, it has financed €220M+ and is known for its cashflow buffer mechanism that aims to absorb originator-side defaults before they hit investors.

Section 02 · Verdict

Strengths & cautions.

Pros

  • €10 minimum
  • Growing originator roster across multiple geographies
  • Auto-invest with country/originator filters
  • Cashflow buffer protection layer
  • Mobile app available

Cons

  • No early sale on the secondary market
  • App stability and auto-invest persistence issues reported
  • Cash drag during peak deposits
Section 03 · Voices

Investor reviews.

12 of 59
Community

Reviews from our users

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R
Remo
12 Apr 2026

All good, team and loans ok.

T
tonydel
10 Apr 2026

I have been with Income for nearly two years now and overall my experience has been very good. I'm getting a great level of return on my investment and the process of adding funds has been extremely easy and efficient. There are still some issues though, mainly with website response which can be very slow at times affecting the ability to invest. Hardware capacity is supposedly being addressed at which point I would award a 5 score

A
Albert
8 Apr 2026

The most reliable Peer2Peer platform. But... there's no secondary market. And this is a problem, the moment you want the flexibility to move your money around. But if you're fine with having your money stuck in just one place, I couldn't recommend Income Marketplace enough.

H
HongKongPRC
8 Apr 2026

I’ve been investing with Income for almost 5 years now, and my experience has been consistently excellent. The platform strikes a strong balance between attractive returns and a clear focus on investor protection. I’ve been getting an average return of around 12.15%, which I’m very satisfied with! :) Especially given the level of transparency and risk controls they have in place. Now, what really stood out to me was the opportunity to visit their team in beautiful Tallinn last year. Meeting them in person reinforced my confidence. They are serious, professional, and genuinely committed to safeguarding their investors. Overall, a platform I trust and plan to continue using. Sophia

R
Rene Hirv
7 Apr 2026

All functions by substance as needed

B
Bozhidar Stoyanov
7 Apr 2026

Been investing primarily in ITF Group loans for the past 2+ years. It's been fairly OK thus far with regular payments. There are certain enhancements that are taking longer than desired (intro of secondary market, greater loan originator diversity, Auto Invest capabilities)

E
Engelbertus van den Berg
7 Apr 2026

Investing more and more with Income since last year. One of my favorite platforms, as I use over 20 different ones for risk mitigation. Good yields, no cash drag.

A
Adrian Centeno
7 Apr 2026

Llevo varios meses invirtiendo en préstamos a través de la plataforma Income Marketplace y, de momento, mi experiencia es muy positiva.

D
David Alonso Valderas
7 Apr 2026

Dos años invirtiendo , todo funciona correctamente, retiros llegan sin problemas y el interés es correcto, income sigue creciendo cada mas originadores que te permiten diverficar en mas paises una buena opción

C
customer
27 Jan 2026

I am unable to sign into the app having invested a few quid there I have sent several emails to no avail. Deleted and re-downloaded the app to no avail. At this point not sure what is happening or if my money is safe as heard nothing from anyone. Update. Hi there I sent a screenshot of what it says when I try to log in but no responses as of yet from you guys. I also made contact via your “contact us” tab on the website again with no response. The initial email I sent was a response to one of your marketing emails upon which someone responded and said to let them know what it says when I log in to which I sent the screenshot and as of yet haven’t received a response. I am still as of yet unable to log into the app. Update: Ok no problem I will try that thanks for your help. Kind regards.

E
Emile
4 Jan 2026

Perfect! Very reliable

J
Jens B.
6 Dec 2025

Einmal investierte Mittel können nicht vorzeitig am Sekundärmarkt verkauft werden. Alle Investitionen müssen bis zum Ende liegen bleiben!