Income Marketplace review 2025

Read this in-depth Income Marketplace review to assess if using the P2P lending platform aligns with your financial goals and preferences. See an overview of our analysis of Getincome just below:

Learn about the following in our Income Marketplace review:

• What is Income Marketplace?
• What is the return on Income Marketplace?
• Is it safe to invest on Income Marketplace?
• Who can invest on Income Marketplace?
• How to invest on Income Marketplace?
• How to withdraw money from Income Marketplace?
• What are the problems with Income Marketplace?
• What are the best Income Marketplace alternatives?
• Conclusion of our Income Marketplace review

What is Income Marketplace?

Income Marketplace, also known as getincome.com, is an Estonian-based P2P lending platform launched in 2021. It allows investors to invest in loan originator debt starting from €10, with advertised returns of up to 15%.

Income Marketplace works by partnering with different lending companies across various markets. These loan originators pre-fund the loans and list them on the platform. Investors can then choose which loans to fund, earning interest in return.

The platform has over 9,100 investors who have collectively funded around €146 million in loans.

Income Marketplace is operated by Income Company OÜ, which is not regulated, as it is not required in the jurisdiction where it operates.

What is the return on Income Marketplace?

Income Marketplace’s average annual investment return is 13.78%. This puts the platform on the higher end compared to other P2P lending platforms, where typical returns often range from around 9% to 15%. With a return above many competitors, this also implies a potentially higher level of risk, as higher yields in P2P lending often correlate with loan types that carry increased uncertainty.

The interest rates on Income Marketplace range from 9% to 15%, offering a relatively broad spectrum for different loan profiles. Despite the high advertised returns, the returns have remained fairly steady over time, balancing the appeal of premium rates with a level of reliability.

Does Income Marketplace withhold taxes?

Income Marketplace does not withhold taxes from investors’ earnings, leaving you fully responsible for declaring and paying taxes in your country of residence. This approach can simplify the process, especially when compared to certain regulated platforms (e.g., Mintos, NEO Finance, VIAINVEST, TWINO) that retain a portion of your earnings.

Tax report

Income Marketplace provides a tax report to streamline your tax filing process. You can download this report directly from your dashboard on the platform, helping you accurately declare your earnings to the relevant local authorities.

Is it safe to invest on Income Marketplace?

Income Marketplace positions itself as one of the safest European P2P lending platforms with a 60-day buyback guarantee, junior shares, and a cash flow buffer. It has been operating reliably since 2021, with no capital loss reported for investors. Currently, 58.7% of the loans are performing, and all loans come with a buyback guarantee. These factors enhance the platform’s reliability and reduce the risk for investors.

While Income Marketplace is operated by Income Company OÜ and is not regulated, this lack of regulation is due to the jurisdiction in which it operates and does not necessarily imply that the platform is a scam. However, being regulated would add to the overall legitimacy of the platform.

Loan originators

Income Marketplace has 8 loan originators in 8 countries that deal in 4 different loan types, making it a decent marketplace for diversification.

A major advantage of Income Marketplace is that loan originators are required to keep a junior share, rather than just having skin in the game as on most other platforms like Mintos. Since the P2P investors hold the senior shares, they will be paid first in the event of defaults or losses.

The junior share at Income Marketplace ranges from 0% to 67% and is determined by the platform’s assessment of the loan originator’s loan portfolio quality, associated risk factors, and the required level of protection needed to safeguard investors in the event of the loan originator’s default. Income Marketplace recalculates the required junior share for each loan originator every 6 months.

The Income Marketplace junior share is used, along with loan profitability and risk adjustments, to calculate a required cash flow buffer.

Income Marketplace cash flow buffer

The Income Marketplace cash flow buffer is a unique protective feature designed to further secure investors’ interests in the event of a loan originator’s default. This buffer is composed of the cumulative amount of junior shares and the profitability of the loans. It is used if a loan originator cannot fulfill their buyback obligations.

When a loan originator defaults, the Income Marketplace cash flow buffer is utilized to ensure that investors are repaid their principal and any accrued interest before any funds are distributed to the loan originator. This mechanism provides an additional layer of security beyond the buyback guarantee and junior shares, making Income Marketplace stand out among other P2P platforms.

Income Marketplace buyback guarantee

On Income Marketplace, all loans are covered by a 60-day buyback guarantee. This means that if a borrower is more than 60 days late with repayments, the loan originator automatically repurchases the loan from the investor along with accrued interest.

The Income Marketplace buyback guarantee has a duration of 60 days, which is the industry standard. This is longer compared to Robocash and Loanch, which offer the shortest buyback duration on the market at 30 days.

Investors should keep in mind that the reliability of the Income Marketplace buyback obligation depends on the financial stability of the loan originators. If the loan originators are unable to buy back the loans, the buyback guarantee becomes worthless.

Two-factor authentication

Income Marketplace offers two-factor authentication (2FA) to strengthen account security. This feature generates unique, time-based passcodes to protect investor funds from unauthorized access. Since hackers have targeted P2P lending platforms in the past, enabling 2FA is strongly recommended.

Who can invest on Income Marketplace?

Income Marketplace is available to both individuals and companies. To register as an investor you are required to:

• Have a bank account in the European Economic Area (European Union, Norway, Iceland, UK, Switzerland, and Liechtenstein).
• Possess an EEA country-issued passport, ID card, or residence permit.
• Be at least 18 years old.

The minimum investment on Income Marketplace is €10 per loan, which is on par with most other P2P lending platforms in Europe.

How to invest on Income Marketplace?

Before you can start investing on Income Marketplace, you must complete the following steps:

1. Sign up on the Income Marketplace website.
2. Verify your identity.
3. Complete the KYC questionnaire.
4. Deposit funds into your account.

The entire registration process usually takes about 5-10 minutes, including signing up, verifying your identity, filling out any required questionnaires, and making your first deposit.

You can deposit money into your Income Marketplace account using SEPA transfers. The minimum deposit is €10 for the first transfer, and funds typically arrive within 1-3 business days. It is only possible to deposit funds in Euros (EUR).

Once you have funded your account, you can start investing in P2P loans on the platform. Income Marketplace allows you to invest manually by browsing available loans or automatically using an auto-invest strategy.

Income Marketplace auto-invest

Income Marketplace provides an auto-invest feature to automatically allocate funds into suitable loan investments based on each investor’s predefined criteria, saving time and simplifying the investment process.

The auto-invest tool enables you to configure key parameters, including portfolio size, maximum investment per loan, interest rate, loan term, loan type, loan status, countries, and loan originators. You can also automatically reinvest all returns.

Setting up a Income Marketplace auto-invest strategy only takes 1 minute, and your funds should be invested within a few hours. If your auto-invest is not working, it is usually due to a lack of loans that meet your criteria. This can happen when your filters are too narrow or when no suitable loans are available.

Income Marketplace app

Income Marketplace provides a dedicated mobile app for both Android and iOS devices. This feature sets Income Marketplace apart, as only a handful of its competitors currently provide mobile apps.

The Income Marketplace app allows you to review your portfolio at a glance and manage your auto-invest plan with minimal effort.

The app has a high rating of 4.2 out of 5 stars and has been downloaded over 10,000 times, making it appealing for on-the-go investors.

How to withdraw money from Income Marketplace?

You can withdraw your uninvested funds from Income Marketplace at any time using the withdrawal section of your investor account. The minimum withdrawal amount is €0.01 and it usually takes 1-2 business days for your funds to arrive in your bank account.

Income Marketplace does not charge any fees for withdrawing funds from your account, but your bank may charge fees for receiving international transfers.

To exit Income Marketplace, you must first turn off all auto-invest strategies and initiate an early buyback on loans you do not wish to hold until maturity. If you hold non-performing loans, the platform must first recover the underlying debt before allowing withdrawals, which can negatively affect your liquidity.

Income Marketplace early buyback

Income marketplace has an early buyback option for loans from some loan originators. It allows loan originators to specify an earlier date for buyback, enabling investors to exit their investment before the loan’s final maturity date, depending on the loan originator’s cashflow availability.

No secondary market

Income Marketplace lacks a secondary market, so investors are required to hold onto their loans until maturity unless they qualify for the early buyback option. While this situation might not be problematic for short-term loans lasting 30 days, it can pose a serious liquidity risk for those invested in long-term loans.

The absence of a Income Marketplace secondary market is a significant disadvantage compared to other platforms such as Robocash and Esketit, both of which provide secondary markets to enhance liquidity.

What are the problems with Income Marketplace?

The primary problems with Income Marketplace are the absence of a secondary market for trading investments and occasional cash drag due to a lack of available loans for investment.

Cash drag

Income Marketplace has sometimes faced cash drag when high investor demand surpasses the available loans, causing idle funds and potentially reduced returns for investors.

The cash drag issue is less pronounced on Income Marketplace compared to platforms like PeerBerry and Robocash, and it has not been a problem recently.

Getincome’s cash drag is a disadvantage compared to other platforms like Mintos and Esketit, which don’t usually experience cash drag.

What are the best Income Marketplace alternatives?

Some of the best alternatives to Income Marketplace are Swaper, VIAINVEST and Iuvo Group.

Conclusion of our Income Marketplace review

Income Marketplace is one of the best P2P lending platforms in Europe for multi-layered investor protection. The platform stands out by offering a 60-day buyback guarantee, junior shares, and a cash flow buffer that prioritizes investors if defaults occur.

While Income Marketplace provides high returns averaging 13.78%, user-friendly auto-invest, and early buyback features, the absence of a secondary market and occasional cash drag can limit liquidity and investment options.

Income Marketplace is worth it for investors seeking robust safety features and solid returns in an unregulated environment. It might not be suitable for those requiring immediate access to capital or a regulated structure. If you need instant liquidity or strict regulatory oversight, consider other P2P lending platforms instead.