Maclear Loyalty Program
- Written by
- Just P2P
- •
- Updated July 20, 2026
Program Overview
The Maclear loyalty program rewards investors based on the size of their active portfolio. The more you invest on the platform, the higher the rate boost. This bonus applies automatically to every new investment, with no action required from the investor.
You do not need to have been registered for a minimum period to qualify for the program: access depends only on your active portfolio. As soon as the amount invested crosses the 5,000 € threshold, the loyalty program applies to all new investments.
Loyalty Tiers: Beta (Plus) and Alpha (Plus)
The program has four tiers: Beta, Beta Plus, Alpha, and Alpha Plus. The bonus increases from one tier to the next as the portfolio grows. Each tier unlocks at a portfolio threshold, reached by the total amount invested on the platform.
- Beta : +1.5% from 5,000 €
- Beta Plus : +2% from 15,000 €
- Alpha : +2.5% from 40,000 €
- Alpha Plus : +3% from 75,000 €
The active portfolio that determines each investor’s tier includes all active investments, whatever their source: primary market, secondary market, and AutoInvest all count the same way. Bonus positions, such as the 30 € credit for every 500 € invested, are also included in this total.
How the Bonus Is Calculated and Applied
On each project page, only the base rate is shown, for example 14%, to which the bonus rate is added. If you are on the Beta tier (+1.5%), the effective return will be 15.5%, a rate displayed once the investment is made, in the “My Investments” section. This bonus is then paid monthly, along with the base interest.
The effective return is locked in when the project reaches “Funded” status. As long as the project has not reached its minimum funding goal (“Reserved” status), the rate that will apply can still change if the investor’s tier changes in the meantime.
Conversely, an investment still awaiting funding benefits from the higher tier if it is the one that crosses the threshold. By adding the funds that push the active portfolio to the next level, the investor applies the new rate to that investment, even before it is funded.
Moving Up and Down Tiers
A new funded investment or a purchase on the secondary market increases the active portfolio and can move you up a tier. Conversely, a project repayment or a sale on the secondary market reduces the active portfolio and can move you down. In both cases, the tier change is automatic and immediate.
If the active portfolio falls back below a threshold, the rate applied to later investments drops to the matching tier. Investments already funded are not affected, since their rate is permanently fixed. A tier drop therefore applies only going forward, with no retroactive effect on current investments.
When a project is repaid, the tier is recalculated once the funds are received, based on the remaining active portfolio. In the event of a delay or recovery, this recalculation only happens when the funds are actually paid out. A sale on the secondary market also reduces the seller’s active portfolio, and therefore their tier, while the buyer then applies their own bonus rate.
Maclear rewards small and large portfolios alike, from 5,000 € invested up to well beyond 75,000 €. Above all, its bonus rates are among the highest on the market, reaching +3% at the top tier. At every portfolio level, the boost offered exceeds that of Debitum Investments and Swaper.
Maclear Loyalty Program : Is It Worth It ?
The Maclear loyalty program is easy to access, as it requires no minimum registration period and starts at 5,000 € in active portfolio. It is also the most generous in the sector, offering up to +3% in additional return. Except between 25,000 € and 40,000 €, where Swaper also offers +2%, no other program comes close.
The program does have its limits, however. As with Debitum, the bonus applies only to new investments, whereas others, such as Lonvest and Hive5, pay it on the entire portfolio. On top of this, Maclear is a young platform, positioned across a very wide range of companies and sectors.
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About the Author
Silvère is an economist and IT engineer with numerous years of experience in business management, FinTech investment and digital marketing. He invests mainly in crowdlending especially P2P lending, P2B lending, and real estate crowdfunding.
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