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investors
Income is a loan marketplace run from Tallinn, Estonia, since 2021 by Income Company OÜ. It does not lend its own money. You buy claims on consumer, instalment and car loans already made by lending companies, in about eleven countries, including Indonesia, the Philippines, Kosovo, North Macedonia and the UK (August 2026). Its statistics show €280.4 million of loans funded since the start, €255.9 million paid back to investors and 11,634 approved investors (October 2026).
You pay in euros by bank transfer and invest from €10, by hand or with auto-invest. Loans are short, mostly from one month to two years. In October 2026 about 14 lending companies had money outstanding; the largest, ITF Group, held about 18% of the €33.1 million owed to investors and the five largest held about 73% (calculated from the platform's own figures). If a borrower is more than 60 days late, the lending company must buy the loan back with the interest owed.
The statistics page shows an average interest of 13.05% a year across all investments (October 2026). This is the average rate on the loans, before any losses, not a measured return; the platform does not define it. Loans listed in 2025 carried a weighted average rate of 13.51%. The highest rate advertised is up to 15% a year. Independent tracking of investor portfolios points to about 11.5% over the twelve months to August 2026, down from about 13.7% in 2023.
Income publishes no realised-loss figure or default definition, but its live statistics show what is late. On 27 October 2026, of €33.1 million outstanding, about 17% was 1 to 30 days late, 9% was 31 to 60 days late and 1.9% (€627,247) was in buyback, so about 28.6% was not paying on time. Late shares differ a lot by lender: about 51% at Pinjam Yuk, 44% at Virtus Lending and 91% at Current LT. On a buyback marketplace a low default figure is normal, because lenders buy back late loans; it tells you the lenders are still paying.
The only known loss so far comes from ClickCash, a Brazilian lender that stopped honouring buybacks on 4 November 2022 owing €182,878. About half has been recovered after almost four years; €86,037 is still shown as in buyback, about 0.03% of all loans ever funded (calculated from the platform's own figures).
Formally you buy a claim against the lending company, not a contract with the borrower, and you hold no security over borrowers. Your protection is each lender's promise to buy back loans more than 60 days late. On top of that, many lenders keep a share of each loan themselves (a junior share of 0% to 67%, depending on the lender) that takes losses before investors, and some lenders have pledged their loan portfolios to Income. Borrower repayments flow through Income, so it can step in if a lender fails. There is no reserve fund and no insurance, and the protection has been tested only once, with ClickCash, where investors got back about half. In plain words: you take the risk of each lending company, and spreading money across several lenders matters.
Income Company OÜ (Estonian registry code 16014116, registered 22 July 2020) is controlled by a private shareholder who holds 62.59%; it does not own the lending companies. It holds no licence: it is not on the Estonian financial regulator's crowdfunding register or the EU crowdfunding list, and no investor compensation scheme applies. The company lost €437,981 in 2025 on €693,000 of revenue, had €94,175 of equity, and the Estonian business register showed a tax debt of €27,845 in August 2026.
Investing is commission-free: Income charges investors no fees to open an account, pay in, invest or withdraw. It earns a commission from the lending companies.
There is no market to sell loans to other investors, although one has been promised since 2021. Money comes back as borrowers repay or lenders buy back late loans, so it is tied up for the loan term. Uninvested cash can be withdrawn by bank transfer.
Return: Very High — an average interest of 13.05% a year on the loans (October 2026), though independent tracking points to about 11.5% actually earned. Risk: Low (higher means more risk) — the only realised loss so far is about 0.03% of all loans funded, which alone would be the lowest level, Very Low, but we set it one step higher, at Low, because Income is unlicensed, its one failed lender returned only about half after four years, over a quarter of the book is late, and the operator is loss-making with little equity. Risk-return: Very High — a very high return for a low level of risk, as long as the lending companies keep buying back late loans.
License / Regulation: No licence. Income Company OÜ (Estonia, registry code 16014116) is not authorised by the Estonian Financial Supervision Authority and is not on the EU list of crowdfunding service providers. No regulator supervises the marketplace, and no deposit guarantee or investor compensation scheme covers investors.
No. Income Company OÜ holds no licence from the Estonian financial regulator and is not on the EU list of crowdfunding providers. No regulator supervises the marketplace and no compensation scheme covers investors.
Cash waiting in your account is held in segregated accounts through Verifo, a Lithuanian electronic money institution, according to available information. Once invested, your money is in claims on loans made by the lending companies.
€10 per loan. Auto-invest is available.
The average interest across all investments is 13.05% a year (October 2026), before losses. The only realised loss so far is from the lender ClickCash, about 0.03% of all loans funded. In October 2026 about 28.6% of the money outstanding was late or in buyback.
Each lending company must buy back loans more than 60 days late. Many lenders also keep a junior share of 0% to 67% of each loan that takes losses first, and some have pledged their loan books. You hold no security over borrowers, there is no reserve fund or insurance, and when ClickCash failed in 2022 investors got back only about half after almost four years.
There is no secondary market, so invested money comes back only as loans are repaid or bought back, mostly within one month to two years. Uninvested cash can be withdrawn by bank transfer.
None. Investing is commission-free: no fees to open an account, pay in, invest or withdraw. Income is paid by the lending companies.
If a lender fails, its buyback can fail with it; Income then tries to collect repayments and use any pledge, as with ClickCash, where about half came back after almost four years. If Income itself failed, no compensation scheme would apply, and the operator lost €437,981 in 2025 with €94,175 of equity.
In October 2026 about 14 lenders had money outstanding. The largest, ITF Group, held about 18% of the €33.1 million owed to investors and the five largest about 73% (calculated from the platform's own figures). Late shares vary widely by lender, so it pays to check each lender before investing.