Earn a 9% Return with well diversified risk

30,595 investors have already invested EUR 109 Million through Bondora and have received EUR 16 million in interest.

78% of investors - including 159 from United States of America - have earned over 9% annually.

Are You Ready to Invest Online?

You only have to look around to see how much personal computers, smartphones, and the Internet have changed our everyday lives. The same holds true when it comes to our finances. Unlike in the past, when a bank or broker determined how you could invest – and charged you plenty of fees for the "privilege" – nowadays, you can easily find a range of attractive online alternatives to the old-line bricks-and-mortar firms. Nowhere is this more more apparent than in peer-to-peer lending, which has been a leader in the financial revolution.

Indeed, the first thing you'll notice when you invest money online in P2P lending is that you are in charge of your financial future. That doesn’t mean, of course, that every firm’s offerings are the same. When it comes to the Bondora online investing approach, for instance, we’ve not only gone out of our way to help clients generate attractive risk-adjusted returns, we’ve also made it easy for them to do so in the manner they prefer.

No catch – simply an online investment that makes sense

The fact is, while there are plenty of ways to invest online nowadays, they don't all provide you with the resources, flexibility and transparency you need – and want – to achieve your financial goals. More importantly, even in those cases where firms seem to be giving you just what you are looking for, there is often a catch. They might have a fairly high minimum initial deposit or average balance requirement, or they don’t offer the kind of flexibility that suits the way you live and invest.

At Bondora, we cater to investors of every stripe – large, small or somewhere in-between – from a number of different countries around the world. If you are just starting out, we can show you how online investing works and what you need to do to invest and earn money online. But if you have plenty of investing experience, you can easily be up and running in no time at all. Either way, our user-friendly interface and extensive resources detailing what you can do to make the most of our platform are at your fingertips.

Online P2P investing – without the hassles

When it comes to the nuts and bolts of how to invest online, we don't make you jump through lots of hoops, either. When you sign up with Bondora, you simply provide us with the details necessary to set up your account, which generally takes only a few minutes. After that, you can fund your account with as much (or as little) money as you like. In our case, you can do this in various ways, including via credit card or bank transfer, or through payment services such as TransferWise or Trustly.

Better yet, regardless of what you know or how long you've been investing, our automatic tools and other cutting-edge features will enable you to be as involved or as hands-off as you like. In other words, being in control of your financial destiny doesn't have to be a full-time exercise, though that option is certainly available if it’s what you want. As with any service designed to help make your money work harder for you, you have the resources and tools you need to get the job done.

More than great technology alone

But the assistance that Bondora provides doesn't stop there. If, for example, you are looking for tips when investing money online, that's no problem. Aside from having ready access to an extensive database and online P2P lending that can help you make the most of the Bondora platform, you can also connect with our dedicated customer service team. While we know that having the right systems and technology in place is critical when doing business online, we also understand that some of our customers occasionally require more–they need the human touch.

On top of our wide range of support options, we also offer other online investing benefits that can help to ensure you are not flying blind. Aside from extensive historical data about lending trends and borrower creditworthiness, we also provide our customers with a level of transparency that is frequently lacking at traditional and online financial firms. When you invest through the Bondora online P2P platform, you know up front about any fees that may be involved and what happens, for example, when a borrower doesn’t live up to his or her responsibilities.

Our interests are aligned with yours

Unlike some P2P lending sites, we don't try to fool you into thinking that every loan you invest in is going to perform well. However, at Bondora, our successful track record as a lender in good times and bad, sophisticated underwriting capabilities, and risk-adjusted pricing – which enables us to offer terms to prospective borrowers that are carefully tailored to their circumstances – help us keep the "bad apples" to a minimum. In addition, we also have skin in the game, which means we are as keen as you are to see things work out as intended.

We also make it easy for you to invest in a variety of different loans (and borrowers). By diversifying in this way, it can help to reduce risk and enhance your long-term investing performance. In fact, when you invest money online through Bondora, you potentially get a double-helping of diversification, which is a phenomenon that sophisticated investors have long referred to as the financial world's only "free lunch." Instead of keeping all your money in, say, stocks or bonds, which seem riskier than ever nowadays, you can broaden your exposure by investing in an asset class that has proved its mettle, which can improve the overall health of your portfolio.

A genuine financial partner

It isn't just what happens when your money is invested that matters, however. When you partner with us, you also have total control over the liquidity in your account. Whether you make adjustments on an ad hoc basis or use our automated tools, you decide how much liquidity you'll have on hand at any particular time. If, for example, you need to have a certain amount of cash available for emergencies or personal expenses, our one-click lending liquidity option will ensure it's taken care of. Alternatively, if you find you have extra funds to invest, you can opt to finance loans that meet your requirements using our Portfolio Pro feature.

Simply put, if you are ready to invest in a P2P platform online, odds are that Bondora has the solution you are looking for. As with any investment approach, of course, you will want to be sure you understand the risks. You'll also want to satisfy yourself that you are working with a firm that is here to stay and understands what a win-win relationship is all about. But once you learn more about how online investing works at one of the world's leading Peer-to-peer lending platforms, we're confident you'll be ready to join the thousands of other investors who’ve already taken the plunge.

Learn more about Bondora from our white paper

Our 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.

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.

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.

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.

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.

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 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.

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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