The short answer
- Maclear scores 4.6 on Trustpilot from 971 reviews; Lendermarket scores 4.1 from 744, 0.5 points lower.
- On our own five-criteria score Maclear leads, 65% against 58.5%.
- Target return: Maclear 14.5-14.9%, Lendermarket 15.6-18% (headline). Minimum: EUR 50 against EUR 10.
- Lendermarket suits a licensed buyback product in small amounts. Maclear suits high yield without single-lender concentration.
Maclear vs Lendermarket: the numbers
| Maclear | Lendermarket | |
|---|---|---|
| Trustpilot score | 4.6 / 5 | 4.1 / 5 |
| Trustpilot reviews | 971 | 744 |
| 5-star share | 77% | 45% |
| 1-star share | 4% | 32% |
| Our score (rank of 19) | 65% (#10) | 58.5% (#13) |
| Target return | 14.5-14.9% | 15.6-18% (headline) |
| Minimum investment | EUR 50 | EUR 10 |
| Supervision | Swiss SRO (PolyReg), anti-money-laundering only | ECSP, Central Bank of Ireland |
| Compensation scheme | None | None |
| Buyback | No | Yes |
| Secondary market | Yes | No |
| Loan types | SME loans, real estate, factoring | Consumer, business |
| Headquarters | Wallisellen, Switzerland | Dublin, Ireland |
| Founded | 2022 | 2019 |
Trustpilot figures recorded 24 Sep 2026. Our score weights investor protection 30%, execution record 25%, return honesty 20%, transparency 15%, liquidity 10% (method).
Where Maclear is stronger
- Loans to many borrowers; close to 100% of Lendermarket's loans come from Creditstar, so its buyback is only as strong as Creditstar.
- Returns that have matched the advertised range, while Lendermarket investors have reported pending-payment episodes.
Where Lendermarket is stronger
- An ECSP licence from the Central Bank of Ireland.
- A buyback, a EUR 10 minimum and headline rates up to 18%.
- Supervision: ECSP, Central Bank of Ireland. Maclear has Swiss self-regulation only, no EU licence and a CNMV warning (May 2026).
What Maclear investors say
Two of the 38 Maclear reviews we checked by hand. For Lendermarket's reviews, see its Trustpilot page.
After around a year of use, I can safely say that the website execution is flawless. Never had a problem to deposit, invest or withdraw. This should be a common standard...
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...
Maclear or Lendermarket?
It depends on what you want. Lendermarket is stronger on an ecsp licence from the central bank of ireland. Maclear is stronger on loans to many borrowers; close to 100% of Lendermarket's loans come from Creditstar, so its buyback is only as strong as Creditstar. On our own five-criteria score Maclear leads, 65% against 58.5%. Many investors hold both, with the smaller share in whichever feels riskier to them.
Maclear scores 4.6 on Trustpilot from 971 reviews; Lendermarket scores 4.1 from 744, 0.5 points lower. One-star reviews make up 4% of Maclear's total and 32% of Lendermarket's. Maclear invites its customers to review it; read the Maclear reviews we checked by hand.
No. Lendermarket: ECSP, Central Bank of Ireland. Maclear is a member of a Swiss self-regulatory organisation for anti-money-laundering rules, holds no EU crowdfunding licence and was named in a CNMV warning in May 2026.
Capital at risk on both platforms. Neither a licence nor a buyback protects you from every loss, and past payments do not guarantee future ones.