A high-yield marketplace platform with strong investor protections, hampered by persistent technical instability and liquidity constraints.
* This is an affiliate link. We may earn a commission at no extra cost to you.
€10.00
€100,000.00
Moderate risk with balanced returns
13.8%
0 reviews
Community total (base currency)
Without bonuses
Community members
3.4/5
GetIncome offers some of the highest advertised returns in the P2P space, backed by the unique Junior Share protection mechanism, which strengthens security. While communication and support are generally praised, the platform suffers from usability issues, including poor app performance and website timeouts, making the investment experience frustrating for some users.
The marketplace connecting investors to global loans with high interest rates and proprietary security features.
Looking for high-yield passive income beyond traditional savings? GetIncome (Income Marketplace) offers retail investors access to a diverse range of global loans, aiming for returns up to 14%. The platform emphasizes proprietary security features, including a unique protection mechanism for enhanced risk mitigation.
GetIncome is an Estonian-based P2P lending marketplace established to connect investors with loans originated by various Loan Originators (LOs) globally. It positions itself by implementing advanced security features, usually reserved for institutional investors, making global loan portfolios accessible to retail users. GetIncome is headquartered in Tallinn, Estonia.
Investors are drawn to GetIncome for its competitive interest rates (up to 14% p.a.) and its focus on investor safety through security features like the Junior Share Protection. The platform provides diversification across different geographies and loan types, offering a simplified way to build a high-yielding, passive investment portfolio using Auto Invest strategies.
The investment process is straightforward: 1. Sign up and complete KYC verification. 2. Deposit funds into your investor account. 3. Set up an Auto Invest strategy, defining your desired return rate, loan types, and Loan Originators. 4. Funds are automatically allocated to matching loans. 5. Earn interest daily as borrowers make payments. 6. Reinvest earnings automatically or withdraw funds.
Short- to medium-term personal loans originated globally, forming the core offering with generally high interest rates.
Loans backed by tangible collateral, such as real estate or vehicles, offering an added layer of security.
Financing provided to small and medium-sized enterprises (SMEs) via various Loan Originators.
Loan Types: Personal loans, Secured loans (Real estate, Vehicle), Business loans
Liquidity: Terms vary significantly, from short-term (1 month) up to long-term (60+ months), often featuring early redemption options.
Fees:
Risk Level: Medium
Risk Factors:
Risk Mitigation:
Suited for investors prioritizing high returns (up to 14%) and willing to accept exposure to international loan markets to achieve aggressive portfolio growth.
Ideal for those looking to diversify their P2P portfolio by accessing loans from multiple Loan Originators and diverse geographical locations (e.g., Southeast Asia, Europe).
The robust Auto Invest tool makes it suitable for investors who prefer a 'set-and-forget' strategy, minimizing the time spent managing investments.
The minimum investment amount per loan part on the Income Marketplace is set at €10, making it highly accessible for new investors or those wishing to diversify widely.
The Junior Share is a mechanism where the Loan Originator (LO) retains a portion of the loan on their books (the 'Junior Share'). This share acts as a buffer, meaning the LO absorbs the first losses up to the amount of the Junior Share before the investor's capital is affected, providing an extra layer of protection beyond the standard Buyback Guarantee.
No, GetIncome does not currently offer a traditional secondary market where investors can sell their loan parts to other investors. Liquidity depends on loan maturity, borrower repayments, or the optional 'Early Redemption' feature offered by some LOs, which allows early exit but is not guaranteed.
If an LO defaults or goes bankrupt, the Buyback Guarantee is void. However, GetIncome's proprietary features, particularly the Junior Share, aim to protect investors by ensuring the LO absorbs initial losses. The platform also works to transfer servicing rights to mitigate full loss exposure.
GetIncome operates on a zero-fee model for investors. There are no service fees, platform fees, deposit fees, or withdrawal fees charged to investors.
The Auto Invest feature is generally functional and popular, allowing for passive investing. However, some user reviews report that the system can occasionally fail to allocate funds efficiently, leading to 'cash drag,' or that saved strategies may be forgotten, requiring manual checks and adjustments.
No reviews yet. Be the first to review this platform!