Personal loans for
all your needs

Apply for an offer and get an instant decision.

  • Interest rate starting from just 6.9%

  • Affordable monthly payments

  • Same-day money transfer

Loan amount

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Term

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Monthly payment

1,3 million

Applicants

16-year

Track record

€1 billion

In small loans
  • Why partner with Bondora

    Choose us as your trusted partner for secure, simple financial solutions tailored to your needs.

  • Simple application

    Apply fully online and get an instant offer.

  • Transparent fees

    You see the clear cost breakdown before signing.

  • Same-day transfer

    The money is sent to you directly after you sign the contract.

  • Flexible repayment options

    Pay zero for early repayments. Change your schedule with our B Secure services.

  • No collateral needed

    All our loans are collateral-free so you can enjoy more peace of mind and freedom.

Apply. Sign. Receive.

Apply. Sign. Receive.

  • 1

    Complete the simple online loan application.

  • 2

    Securely sign your best-suited offer digitally.

  • 3

    Get the money directly in your bank account almost instantly.

  • Regulated by the Estonian Financial Supervision Authority

  • EU data–protection standards

  • Working under responsible lending guidelines

Your questions,
answered

What are the fees?

You can view all our transparent fees on this page. If you take a loan with us, you will see a clear description of your fees before signing the contract.

How to pay back the loan?

Simply add the money required for your monthly payment to your Bondora account before the payment due date.

You can make ad hoc payments from your internet bank, or set up a standing payment order.

Can I repay my loan early?

Yes, and there are no extra costs for early repayment. You can do partial or full early repayments of your loan. You can read more about the specific processes on our Help Centre.

How much can I borrow?

You can get a personal loan ranging from €100 - €15000. However, because the loan amount is calculated based on your unique financial situation, please submit an application to see exactly what amount you could qualify for. Tip: Getting an offer doesn't mean you have to take the loan.

Is Bondora secure?

Founded in 2008, Bondora Group has grown into an international company of about 200 employees. Today, we can proudly call ourselves one of Europe's most established fintechs specializing in loan and investment products.

For more than 16 years, our customers have chosen us as their trusted loan partner across various EU countries.

Customers' information is kept private and confidential on secure servers. We have a host of safety measures that comply with legal requirements and help safeguard our customers' information, such as AML & KYC processes, consumer protection, data protection, and online verification.

Our lending activities comply with local legislation, good practice, and responsible lending principles.

Bondora AS, which belongs to Bondora Group, operates as a Licensed Credit Provider and is supervised by the Estonian Financial Supervision and Resolution Authority. In Finland, we operate through a branch that the Finnish Financial Supervisory Authority supervises. We also have an operating license in Latvia, supervised by Latvijas Banka.

Want to get in touch?

We're happy to support you and answer any questions you might have.

+372 609 30 88
[email protected]

226,804 people have invested over €1,016.9M and earned €228M – YOU become the bank.

  • Automated investing made simple
  • 11-year track record
  • Start with a minimum of €1
Start now
Please review our terms and conditions on bondora.com, and consult with a financial advisor if necessary.

Political Exposure

A Politically Exposed Person (PEP) is a natural person who is or has been entrusted with prominent public functions. This includes the following positions:

  • Head of State or Head of Government
  • Minister, Deputy Minister, or Assistant Minister
  • Member of a Legislative Body
  • Member of a Governing Body of a Political Party
  • Judge of the Highest Court of a Country
  • Auditor General or Member of the Supervisory Board or Executive Board of a Central Bank
  • Ambassador, Envoy, or Chargé d’Affaires
  • High-ranking Officer in the Armed Forces
  • Member of an Administrative, Management, or Supervisory Body of a State-Owned Enterprise
  • A person considered a performer of prominent public functions by a Member State of the European Union, the European Commission, or an international organization accredited in the European Union, according to a list published by the European Commission.

Who are Relatives and Close Associates (RCA)?

Relatives

A person known to be a relative of a PEP includes:

  • Spouse/registered partner of a PEP or an equivalent partner
  • Parent of the PEP
  • Child of the PEP
  • Spouse or registered partner of the PEP’s child
Close associates

A person known to be a close associate of a PEP includes:

  • A natural person known to be a Beneficial Owner of a legal person jointly owned with the PEP or one who has a close business relationship with the PEP.
  • A natural person who is the Sole Beneficial Owner of a legal entity established by the PEP or in the interests of the PEP.
  • Natural persons who, together with the PEP, are beneficial owners of a legal entity, a collective investment, a trust, or a comparable legal structure under foreign law.
  • Natural persons who are the sole beneficial owners of a legal entity, a collective investment, a trust, or a comparable legal structure under foreign law known to have been established for the benefit of the PEP. This includes “nominees” who appear to be acting or receiving benefits on their behalf, whereas in practice, they are acting on behalf of the PEP.

Any natural person known to have close business ties with the PEP, such as the PEP’s business partners.

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*Loan amount from €100 to €15000. Repayment period from 6 to 84 months. Annual Percentage Rate (APR) from 25.3% to 49.91%.