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.

Powering Your Portfolio with Peer-to-Peer Lending

Peer-to-peer lending sites have attracted considerable attention, largely because they are an innovative way of connecting investors with borrowers. Powered by major advances in technology and the global reach of the Internet, today’s peer-to-peer platform provides you with another investment alternative to consider in managing your portfolio.

Not just more choices

What really makes peer-to-peer lending attractive, however, is not that you have more options. It is that you have access to an asset class that offers generous returns with well-diversified risk. In a world where low-yielding stocks and bonds seem to be getting riskier by the day, that is a fact worth noting.

A “dynamic duo” for better investing performance

By investing through Bondora's peer-to-peer lending platform, you benefit in two ways: you can potentially generate 10% returns, and you capitalize on what institutional investors call the closest thing to an investing "free lunch": diversification. With this powerful combination, you increase your odds of achieving long-term financial goals.

Our edge is your edge

What’s more, the peer-to-peer lending platform available through Bondora gives you the added benefit of our experience as lenders in good times and bad. Our sophisticated underwriting capabilities, well-managed default-control process, and institutional quality service providers give us an edge that helps you boost your returns.

Time to see for yourself?

With so much going for it, it is no surprise that an international investment bank has identified Bondora as the highest yielding peer-to-peer lending platform across the globe. Why not join the more than investors who have already signed up and experience it for yourself?


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? 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 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.

Open free account and start today!

By clicking "Join as an Investor," you agree to our Terms of Use.