971 reviews on Trustpilot, 4.6 out of 5. We read the 231 most recent English 4 and 5-star reviews, set aside the one-liners and anything that read like a template, and kept 38 that describe what actually happened: interest paid, money withdrawn, loans repaid.
“Monthly payments paid regularly on time. Capital refunded on the due date. Great support team.”
Share of the 231 most recent English 4 and 5-star Trustpilot reviews that raise each point. One review can mention several.
I see the risk score, I see the interest rate and I get to decide where I invest my money, the ui is very easy.Customer, Greece · 24 Aug 2026
I've been investing with MacLear for 22 months and everything is working well. [...] I've never had any delays in my monthly interest payments.Marcela Carlesi, Germany · 11 Jan 2026
I contacted Maclear's support team with a question about how bonuses and interest are recognized on the tax statements, and the response (thanks, Ramon) was quick, clear, and well explained.AGOSTINHO DE JESUS DE ABREU SU, Portugal · 25 Jul 2026
The supply of projects is good, and the ratings and information provided by Maclear help you evaluate your investments. The bonus system is a clear advantage.Matts Persson, Sweden · 10 Sep 2026
And when I have decided to withdraw part of the money that I had invested one year ago it has taken them less than 48 hours to make it effective and have the money on my bank account.Javier Parrilla Guix, Spain · 15 Jan 2026
Did exactly as stated when I first invested, regular payments like clockwork and capital has just been fully repaidAndy Roberts, United States · 15 Jun 2026
Bars are scaled so the most-mentioned point fills about four-fifths of the track. Counted by keyword on 24 Sep 2026, then checked by reading.
I have been investing in Maclear since January 2025 and I have received my first refunds on schedule. Everything has worked as promised. Monthly payments paid regularly on time. Capital refunded on the due date. Great support team. And when I have decided to withdraw part of the money that I had...
I was with my money doing nothing in the bank for many years. I was looking for other options to generate some income from my money. Of all the platforms I was looking Maclear was the best reviewed and the one I liked the more. And at the end, one year and 4 days ago, I took the step and invested...
This is my third month investing with Maclear. They requested a review immediately after opening my account which I never do because it's unfair to judge with no real experience with them. I think the main worry is the old adage that "if something seems too good to be true then it probably...
This was one of my first crowdlending investing platform I play with. One year and a half later, I got back my investment amounts and interests with any problem. I contacted support three times by mail and they were resolutive in all of them.
Maclear is, without any doubt, one of the very best places to invest today. It is serious, responsible, predictable, even boring, as the very best investments should be. My experience -for almost a year now- has been great. I would recommend it 1000%.
I’ve been registered on Maclear since late 2023. Based on my experience, the loans have been paid on time and according to their schedule, which is very positive, especially considering the competitive interest rates they offer. While the platform might be more suitable for long-term investors...
Captured on 24 Sep 2026. Click any screenshot to open the review on Trustpilot.
I've been invested in Maclear AG since June 2025 and I have nothing but good... no skip that... "AMAZING" experience with Maclear since I've found them in May 2025 and...
I am updating my original review. After posting, the issue was resolved in less than 24 hours. My account access was fully restored, and the problem is now completely...
Did exactly as stated when I first invested, regular payments like clockwork and capital has just been fully repaid
We read the 12 Reddit threads that discuss Maclear, most of them on the Portuguese finance forum r/literaciafinanceira. Investors who actually use the platform report interest paid, a test withdrawal that went through and one documented default in about three years. Everyone else is wary of 14 to 16 percent rates, the Swiss self-regulatory status and Spain's CNMV warning, and several doubt some of the borrower companies.
That gap is not surprising: Trustpilot invites Maclear's own customers, while Reddit's finance forums are sceptical of P2P lending in general.
“Yes, and I invest in plenty of other P2P platforms. They all carry risk by nature, and here I'd call it high (there's no 15/16% without the matching risk!), but it has been running for about 3 years without major problems, with only 1 documented default (and someone will say: until the day it isn't... :)). If you need more info, you know where to find me. Happy investing!” (translated from Portuguese)
Trustpilot score of each platform next to Maclear's, and our own score on five published criteria.
Reviews tell you how Maclear has treated its investors so far. They cannot tell you how the platform is supervised or what happens if something goes wrong. That part is below, checked on 24 Sep 2026.
Read the full reviewMaclear AG is a member of PolyReg, a self-regulatory organisation for anti-money-laundering rules. It is not supervised by FINMA and holds no EU crowdfunding (ECSP) licence.
On 11 May 2026 the CNMV listed Maclear AG as not authorised to provide crowdfunding services in Spain. Trustpilot shows a regulatory notice on the profile, and Maclear's own terms say the platform is meant for Swiss residents.
If a borrower or the platform fails, no scheme pays you back. The one default so far, the Vibroedil loan, was covered by the CEO personally.
229 of the 232 recent English reviews we read were written after an invitation from Maclear. That is allowed and common on Trustpilot, but it means the reviewers are customers the platform asked.
Maclear's 2024 accounts appeared in June 2026, after a delay that several Trustpilot reviewers complained about. A Portuguese analysis shared on Reddit describes them as unaudited, with negative equity.
Most investors who review Maclear say it works as described. On Trustpilot 91% of 971 reviews are 4 or 5 stars, and the detailed ones describe interest arriving on the due date, withdrawals reaching a bank account within one to two days and capital coming back when loans mature. Reddit is more sceptical, mainly about the high rates and the regulatory status. Both are summarised on this page.
On 24 September 2026 Maclear AG had a TrustScore of 4.6 out of 5 from 971 reviews: 77% five-star, 14% four-star and 4% one-star. Maclear invites its customers to review it and replies to every negative review. Trustpilot also shows a regulatory notice on the profile.
Investors who have used Maclear report interest paid, deposits and withdrawals working and one documented default in about three years. Most other commenters are sceptical of 14 to 16 percent rates, point to the Swiss self-regulatory status and Spain's CNMV warning, and question some borrower companies. Our Reddit summary quotes both sides with screenshots.
It is one of the two most common points in Maclear reviews. Of the 231 recent English 4 and 5-star Trustpilot reviews we read, 26% mention payments arriving as promised. One default so far, the Vibroedil loan, was covered in full by the CEO personally. A short record, even a clean one, does not show how the platform behaves in a downturn.
Maclear AG is a member of PolyReg, a Swiss self-regulatory organisation for anti-money-laundering supervision. It is not supervised by FINMA, holds no EU crowdfunding (ECSP) licence and has no investor compensation fund. In May 2026 Spain's CNMV listed Maclear as not authorised to provide crowdfunding services. See the full review.
We collected the 231 most recent English-language 4 and 5-star Trustpilot reviews, removed one-liners, duplicates and reviews that read like templates or machine translation, and kept 38 that describe a concrete experience. Each one links to the original and is shown as a screenshot. The method is on the Trustpilot page.
38 hand-checked Trustpilot reviews with screenshots, plus the Reddit discussion in full.
Capital at risk. Past payments do not guarantee future ones.