Earn Monthly Passive Income by lending. Your money, your profit. They provide you the tools and platform, they don’t take a share. Lenme has revolutionized the lending Space.

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4.5% - 12%

Asset Class Return1Y

#20 Rank

In Lending30d


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Lenme Review


Megan DeMatteo904 days ago

Lenme empowers individual investors to take on the risks and rewards of becoming a bank.

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Invest in lending, generate passive income and diversify your portfolio in a low volatile market. Lenme is a subscription-based P2P lending platform that helps you invest in lending.


They give you the latest machine learning technology and analyze thousands of data points to help you understand the level of risk. With only a couple of clicks, you can fund a loan. Lenme is the first platform to offer a subscription-based lending platform, giving you access to a variety of risk/gain models that suit your investment preference.


Lenme now offers crypto-backed loans, giving investors on the platform a new opportunity for lending.

Things to Know

  • You make money on


  • Fees


  • Min Investment


  • Payout frequency


  • Term of investment

    12 months

  • Target Return


  • Liquidity


  • Open to

    All Investors

  • Mobile Application

    iOS, Android

Top Perks

  • Lenme: fixed monthly fee, no profit sharing

  • Short Duration investment (1 Month to 12 Months)

  • Effortless lending access via latest tech

See inside MoneyMade’s 6-figure multi-asset portfolio


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How you make money

The Lenme platform allows you to lend money to borrowers and therefore earn interest payment on the loans you fund. You will choose the return that suits your needs based on the borrower’s risk profile. Lenme provide investors access to borrower’s credit score, credit report, historical data and banking data. Is it your first time lending? No Problem. Lenme provides you with the latest machine learning algorithm to help you take an informed lending decision. They are the latest technology improving one of the oldest ways investors have deployed capital to grow their money. 

How Lenme makes money

Lenme makes its money through subscription fees. They are committed to keeping your business. We charge a monthly subscription for borrowers and investors. Borrower’s subscription starts from $0.99 a month and investors start from $84 a month. Other revenue streams include, but are not limited to providing offers and service fees for both borrowers and investors.

Is it safe?

Lenme has been in business since 2018 and has a user base of 300,000 users who are looking to invest or borrow money. Currently they have partnerships with major credit bureaus, payment processors and data aggregators. 


As a platform, Lenme takes measures to minimize the risk for the investors. First, borrowers allow Lenme to directly connect to the borrower’s bank account and withdraw the fund automatically when the loan payment is due. Second, they use machine learning technology and their proprietary algorithm to suggest the level of risk we calculate in each investment. Third, their debt collection feature automates collection in case of payment default and transfer payments directly to your account.

  • Established


  • Country Available

    US Only

  • Assets Managed


How You're Taxed

Income Tax

Income Tax

Profits earned from P2P Lending are taxed at ordinary income tax rates. This means that profits are added to your total income for the year.

You can receive income from P2P lending tax free if you invest using certain accounts.


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