There is no Lendermarket promo code to type in: the Lendermarket bonus on this page runs through our link instead. New investors who register through it get 1.5% cashback on their net invested funds during the first 90 days after validation. The credit follows within 5 business days once that period ends. A separate refer-a-friend programme pays €75 each under its own rules.
Lendermarket Promo Code: Why You Do Not Need One
You do not need a Lendermarket promo code: our tracking link does the job a code would do. Opening it records who sent you in the background, which is why the referral box on the sign-up form stays blank.
The terms fit into four sentences. The reward equals 1.5% of the money you actually have invested, which the conditions call net invested funds. Its qualifying period covers the first 90 days after validation, the moment your identity check is complete. Payment follows within 5 business days after that stretch ends, straight into your account on the platform. Eligibility is limited to newcomers who arrive via our link.
Without a code, the setup is straightforward: there is nothing to copy and nothing to mistype. The one caveat is patience, since no money arrives before the window has closed. The cashback is credited to your Lendermarket account, and the URL merely tells the platform where you came from. The platform's public refer-a-friend scheme works differently, with a flat €75 each, and we compare both routes further down.
We hold a four-figure sum on Lendermarket ourselves. For the platform as a whole, from its two services to its fees, our full Lendermarket review goes through everything end to end.
For new investors: 1.5% cashback on what you invest in the first 90 days after validation
Claiming the Cashback on Video
On camera, we walk through registration from the first click to the empty referral box.
How to Claim the 1.5% Cashback, Step by Step
Private investors must be at least 18, hold a bank account in the EEA or Switzerland and be tax resident in the EU or Switzerland. Transfers are accepted in euro only. If that fits, the steps are easy to follow:
- •Open our link. It leads to Lendermarket's homepage, where registration starts.
- •Enter your email address and accept the terms of use.
- •Leave the referral-code field empty. Tracking is already in place, so there is nothing to add.
- •Confirm the address through the message that lands in your inbox.
- •Verify your identity with Sumsub, the partner Lendermarket uses for this check. Once it succeeds, your account counts as validated and the 90-day clock starts.
- •Fund the account by SEPA bank transfer or by card. Bank deposits are listed as free on the fee page. A card payment may carry a processing fee, which is displayed before you confirm it.
- •Invest, either by picking loans yourself or by switching on Auto Invest. The minimum per loan is €10.
- •Wait for the window to close. The cashback lands within 5 business days after day 90.
Lendermarket also assesses your knowledge and experience as an investor, and it recommends turning on two-factor authentication. If you are classed as non-sophisticated, a 4-day cooling-off period lets you cancel an investment without penalty.
One thing to flag: the clock starts at validation, not at registration, so a slow identity check does not shorten your window. Step seven matters as much as step six, because the basis is money you actually have invested.
In practice, the landing page shows no banner and no logo of ours. That is a minor drawback, since you cannot watch the tracking happen, but the address bar gives it away: the URL carries a click ID and an affiliate source tag. The panel above is Lendermarket's own five-step start, which ends by activating Auto Invest. Its fourth step, service type, comes up again further down.
Register, confirm your email, pass the Sumsub check, then your 90 days begin
The Cashback Terms at a Glance
Here are the key terms attached to our link in one place. KYC stands for know your customer, the identity check you complete with Sumsub. The table covers this offer only. Beyond that, Lendermarket runs its own time-limited campaigns now and then, each with separate conditions.
Our link | |
|---|---|
| Who qualifies | New investors who register through our link |
| What you get | 1.5% cashback on your net invested funds, the amount you actually have invested |
| Window | First 90 days after your account is validated (KYC completed) |
| Payout | Within 5 business days after the 90 days end |
| Paid into | Your Lendermarket account |
| Code needed | No, the link stores the referral |
| Referral-code field | Leave it empty |
| Existing accounts | Not eligible |
Tip: scroll horizontally to see all columns
What the Cashback Is Worth
Because the reward is a percentage, it scales with how much you have put to work during the window. Four examples show the range:
- •€500 invested brings €7.50
- •€1,000 gives €15
- •€5,000 means €75
- •€10,000 adds €150
Think of the credit as a one-off sum on top of whatever your loans earn. It is neither interest nor a rate, and it adds no percentage points to any loan. You receive a single payment after a single window. At €5,000, it matches the flat referral bonus to the euro, a crossover the next section examines.
The trade-off is timing. You wait the full 90 days, plus up to five business days, before anything shows up. The money arrives in your Lendermarket account rather than at your bank.
For new investors: cashback credited to your Lendermarket account within 5 business days after the 90 days end
Our Link vs the €75 Refer-a-Friend Offer
Lendermarket's refer-a-friend programme is a separate way in, and it runs on different rules. An existing investor shares a personal referral link or code with you. It has to be used when you create your account, so ask for it before registering. You then deposit and invest at least €500 in loans with terms of 30 days or more, within 30 days of signing up. That money must remain invested for at least 30 days, after which you and your friend each receive €75. According to the referral terms, the payout follows within up to 5 working days after that holding period. The same document keeps you eligible if a loan is repaid before its scheduled maturity date. Like our cashback, the €75 for you as the invited friend only works on a brand-new account.
What stands out is the crossover point. The break-even lies at €5,000, because 1.5% of that sum equals the flat €75. Say you start with €2,000: our percentage then delivers €30 and comes out weaker than a friend's bonus, provided you meet its conditions. At €8,000 the picture flips, with €120 against €75. Below €500, only the percentage pays anything at all. The friend route also needs someone who already invests on the platform and invites you.
Our link: 1.5% | Refer-a-friend: €75 | |
|---|---|---|
| Amount | 1.5% of your net invested funds | €75 for you and €75 for your friend |
| Condition | Register as a new investor through our link | Deposit and invest €500+ in loans with 30+ day terms within 30 days of sign-up |
| Time frame | 90 days after your account is validated | At least 30 days invested, counted from reaching €500 |
| Payout | Within 5 business days after the 90 days end | Within up to 5 working days after the 30-day hold |
| Tracked by | Our link, with the code field left empty | Your friend's personal referral link or code |
| Pays more for | Amounts under €500 or over €5,000 | Amounts from €500 to just under €5,000 |
Tip: scroll horizontally to see all columns
What the Bonus Does Not Change
The cashback is paid alongside your investment and leaves the loans exactly as they were. It does not alter the risk or the interest of anything you pick.
Those loans still differ by service type and by originator. Every listing belongs either to the Crowdfunding Service, regulated under Regulation (EU) 2020/1503, or to the Claims Assignment Service, which falls outside that framework. That is the service-type step in the screenshot above. According to Lendermarket's help centre, you also pick between the regulated and unregulated services during onboarding, a choice you can review in your account settings at any time. Our checklist of 10 things to check before investing in Lendermarket walks through the two services, extensions and fees. The guide to five beginner mistakes on Lendermarket covers Auto Invest settings and the concentration trap. Both are a sensible read before your first deposit.
How the bonus is taxed depends on the country where you are tax resident, and it may count as taxable income there. Lendermarket states that it pays repayments without deducting or withholding any tax. A downloadable tax report sits in your account menu, behind your initials in the top right corner. Declaring the income is up to you, so check with a local adviser how your country treats it.
Is the 1.5% Worth Using Our Link?
Yes, if you were going to open an account anyway. Using our link costs nothing extra and needs no code. The cashback then comes across as a low-effort extra that grows with what you invest during the qualifying window. The case holds up clearly once your start passes €5,000, where the percentage overtakes the flat €75. That said, from €500 to just under €5,000, a friend's referral pays more, provided you know an existing investor and meet its conditions.
Lendermarket's risk disclosure advises against putting more than 10% of your net worth into crowdfunding projects, and a cashback does not change that. We explain offers here, we do not give investment advice. Your capital is at risk, and the same document states that your investment is not covered by deposit guarantee schemes or investor compensation schemes.
For everything beyond the bonus, our Lendermarket review explains how the platform works. Our breakdown of whether Lendermarket is safe covers the licence, the buyback chain and the company behind it. If Monefit SmartSaver is also on your shortlist, the Lendermarket vs Monefit comparison puts the two side by side.
For new investors: use our link and leave the referral-code field empty
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