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.

Liquidity when you need it. Attractive returns when you don't

Are you looking for something more than attractive returns with well-diversified risk?

At Bondora, you invest through a lender with an eight-year record of success. You benefit from portfolio diversification, risk-adjusted interest rates and a well-managed default-control process.

But that's not all.

Like many people, you may be faced with unexpected expenses or discover your investing requirements have changed. When this happens, you may want to liquidate some of what you own or take advantage of unique opportunities in our thriving secondary loan market.

At our leading European P2P marketplace, you can do either – quickly and easily.

To raise cash, you can use our one-click liquidity feature, where you decide how much you need and let Bondora take care of the rest. Designed with your needs in mind, this convenient feature offers you peace of mind that is not available anywhere else.

Better yet, should you seek to profit from acquiring loans offered for sale by other investors, the process is almost as easy.

Unlike at other firms, our goal is to ensure you are satisfied no matter what, how or when you invest. Whether you prefer to have more cash on hand or, like most Bondora investors, have more of it working hard for you, the solution is at your fingertips.

Who said investing couldn’t be easy?

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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