Earn a 9% Return with well diversified risk

28,834 investors have already invested EUR 102 Million through Bondora and have received EUR 15 million in interest.

80% of investors - including 136 from United States of America - have earned over 9% annually.

For a Better Bottom Line, Invest in P2P Lending

At Bondora, our success is your success

Whether you call it “peer-to-peer lending,” “peer-2-peer lending,” “marketplace lending” or “P2P lending,” all those terms mean one thing: an investing platform that helps connect creditworthy borrowers with individuals¬ seeking to achieve their long-term financial goals.

Experience in good times and bad

There’s a big difference between Bondora.com and other P2P lending sites, however. While rivals may claim they offer “high” rates or have “a lot” of expertise, Bondora has a seven-year track record of success. Our experience in good times and bad has taught us how to maximize the value of every loan we make so you can earn attractive returns with well-diversified risk.

Skin in the game

In fact, we know that your investing success depends on our success in making sure the majority of the borrowers behind the loans we offer on our P2P lending platform live up to their obligations. Charging risk-adjusted interest rates and having our own skin in the game help, of course. So, too, do our sophisticated underwriting capabilities, well-managed default-control process and institutional quality service providers.

More than 9% a year

But there’s more to it than our dedication and commitment. The fact that more than 28,834 investors from 40 countries have chosen our P2P lending platform likely boils down to two things: 98.6% of them have realized positive returns and 80% have earned more than 9% annually.

As they say on Wall Street, it's the bottom line that counts.

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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