investors have already invested EUR Million through Bondora and have received EUR million in interest.
% of investors - including from United States of America - have earned over % annually.

The key to investing money wisely

It's the first question that many investors ask: where should they invest?

Traditionally, most have favored asset classes such as equities and fixed-income, largely because they are familiar choices and brokers say they are the best way to invest money. But in many cases, these firms are more interested in boosting their bottom lines than in helping you achieve your financial goals. Just because their recommendations seem to make sense doesn't mean they are the most appropriate or only options for you.

Is your financial future at risk?

In fact, in the current environment, many popular investments are generating poor returns with higher risk than one might think, potentially putting your financial future in jeopardy. As a result, you should carefully consider how to invest money and where to invest money. While you may believe you are making the right choice by sticking with old favorites, you could be losing out on the diversification benefits that can help boost long-term investing performance.

A “free lunch” strategy that can boost returns

Research has shown that portfolio diversification is the closest thing to a "free lunch” in the financial world. However, to capitalize on this well-known phenomenon, you need to invest in a variety of asset classes, especially those that are less correlated to each other and to overall economic conditions than stocks and bonds. One attractive option includes near-prime consumer loans, the emerging asset class available through Bondora that has generated strong returns since 2009.

The right combination for successful investors

Greater diversification isn't the only thing that matters, of course. Full transparency, institutional quality service providers, a respected brand, and an easy investment management system that allows you to invest money with confidence are what make the Bondora peer-to-peer lending platform the ideal choice for those who seek long-term investing success.

Benefits

No fees

There are no fees for investing in the primary or secondary markets. A small collection and recovery fee is deducted from the cash flows of delinquent loans.

Fast liquidity on largest secondary market for P2P loans

There is a large internal secondary market that enables investors to buy and sell their existing investments. We have developed a fast and automated liquidation feature on our platform.

Highest yielding P2P platform for investors

An international investment bank has identified Bondora as the highest yielding peer-to-peer (P2P) lending platform across the globe.

Most licenced platform in Europe

Bondora is authorized in the US by the SEC, in Estonia by the FSA, and in Finland by the RSAA.

Advanced analytics to track investments

Investors can access hundreds of data points about the investments available through our marketplace by way of our user interface, data exports or the public API.

All loan data is public

All transaction ledgers and data on issued loans are available via our public statistics and data export pages.

Solid 8-year track record

Bondora has solid track record dating back to 2009, providing high returns to investors both in negative and in positive market conditions.

Customer reviews

Frequently asked questions

What is Bondora?

Bondora.com is a leading peer-to-peer (P2P) lending platform for investing in European non-bank personal loans. All loans are issued by our parent company, Bondora AS, which retains a share of the risk of every loan it offers through the Bondora.com marketplace.

What type of investments can I make through Bondora?

You can invest in Bondora loans, which are fixed-income investments that generate monthly cash flow from principal and interest payments.

How are you able to offer investors “above-market” returns?

Bondora issues loans to individuals in Finland, Spain and Estonia. These markets are underbanked in comparison to other Western European markets, owing to oligopolistic banking structures and the fallout from past financial crises. Uncompetitive banking sectors and a limited focus on consumer finance have created a high-cost environment with little credit available for the near-prime borrower segment.

How do you determine whether a borrower is creditworthy?

All borrowers are risk-assessed using Bondora’s sophisticated underwriting models and assigned to credit groups where the interest rates offered reflect the relevant risks.

Do I need a lot of experience to invest through your platform?

In short, no. We provide you with easy-to-use automatic investing tools that make it simple to invest through Bondora. We take care of borrower credit assessment, scoring, payment collection, and collections (in cases of nonpayment), giving you complete peace of mind.

Can anyone invest on Bondora?

Anyone who is over age 18 and living in the EU, Switzerland or Norway, as well as businesses registered in the EU, can invest through Bondora. If you live or work outside the EU in any of the countries that comply with the EU’s anti-money laundering directive, you can invest through Bondora if you are an accredited investor.

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