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.

Online Investing: Your Financial Future Has Arrived

The Internet has made it easier for you to manage and take control of your financial life. Instead of waiting for statements to arrive, you can see where things stand with a few clicks. Instead of writing checks, you can instantly transfer funds from your account. Instead of visiting or calling a broker, you can invest online at your convenience.

Say goodbye to high fees

Better yet, the Internet enables you to bypass middlemen that charge all sorts of fees–often with little to show for it–that can hurt your long-term investing performance. If you invest money online through Bondora, Europe's leading peer-to-peer (P2P) consumer lending platform, you can generate attractive returns with well-diversified risk without having to pay through the nose for the “privilege.”

Investing the way you want

Unlike old-style financial firms, Bondora lets you manage your online investments in a way that suits you best. Whether you prefer a hands-on and more customized approach to managing an online investment or our innovative automatic portfolio manager, the choice is yours. Either way, you can reap the rewards of investing in an asset class with a successful seven-year track record.

Are you ready?

It's only natural, or course, to be concerned about how easy it is to invest online, especially if you haven't done it before. At Bondora, our cutting-edge technology, full transparency and client-centered focus have helped us develop an online investing platform that really works–for you. In fact, we're confident that once you register with us and make your first investment online, you'll soon be wondering why it took you so long.

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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