Lower your monthly payment with refinancing

Combine all your loans into one and pay less

New monthly payment

Choose amount and period

See how much you can save (you don't have to accept the offer).

It just takes 3 steps to pay less:

  • Apply for refinancing by adding your financial info.

    step 1
  • Receive an offer with a lower monthly payment.

    step 2
  • Read and accept the terms, then sign. We'll do the rest!

    step 3

Why should I refinance with Bondora?

  • Lower monthly payments

  • Combine several loans into one

  • Flexible repayment schedules

  • Spread loan obligations over a longer period

  • Save on interest and credit costs

  • Get an answer in just 60 seconds

  • 0 years of experience
  • 0M of loans issued
  • 0 happy customers
  • 0 loans issued every hour

What our customers say

Frequently Asked Questions

What is refinancing?

Bondora offers refinancing to our customers to bring their credit from other lenders to us for lower monthly payments. To apply for refinancing, we will ask you to share some financial details. We will then make you an offer with a lower monthly payment. All you have to do is review the terms and sign. We'll take care of the rest! Bondora will pay off your credit to your former lenders within two-five business days.

Why should I refinance with Bondora?

We're here to help you get lower monthly payments. So, if we can't offer you a lower monthly payment, we won't offer you refinancing. That way, you know you're only getting the best with Bondora. The entire application process is online and super simple with minimal effort.

How long does the entire refinancing process take?

We aim to do things quickly and efficiently. After submitting your most recent 3-month bank statement, we will give you a refinancing offer immediately. Once you've read and accepted the terms and signed the offer, we'll send the payment to your existing lender within two-five business days to pay off your credit.

How is my refinanced credit paid off?

Once we have the reference number for your existing credit, we will pay off your credit directly to the lender. You should receive confirmation from your lender that everything is closed. Then you can sit back and enjoy lower monthly payments at Bondora!


monthly payment

226,798 people have invested over €1,000.4M and earned €225.5M – YOU become the bank.

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

Get a loan offer in 1 minute!




*Loan amount from €100 to €15000. Repayment period from 3 to 60 months. Annual Percentage Rate (APR) from 20.05% to 51.91%.