There might be a couple of reasons why your account has not been credited with your expected monthly interest.
1. The loan you have an investment in may have exceeded its repayment date and is now out of term, or the loan may be non-performing. Therefore, this could be the reason for the discrepancy in interest on your account.
Please note that loans that indicate an interest status of IA (interest accruing) the interest continues to accrue on Investor's accounts but is not credited monthly.
This is where a loan term indicates or exceeds 0 days left, the interest status changes from Interest on Account (IOA) to the interest accruing (IA) as the loan is overdue for repayment. The interest will continue to accrue on account for the tolerance period. After the tolerance period the loan will be classed as non-performing. Accrued interest is only payable if it is recovered from the borrower or realised from the disposal of the security. More information can be found here regarding how interest is paid on our Non-performing Loan Policy.
2. The borrower has repaid their loan. Therefore, your initial investment has been returned to your Lendy account marked on your transactions as 'Capital Repayment'. Interest will only be paid up until the repayment date.
3. When you put a loan up for sale on the Available Loansmarket you will cease to earn interest on that loan at the point at which you list it for sale, while the loan part is offered for sale the interest will go to Lendy as a fee for operating the secondary market.