Bondora Capital is a platform for peer to peer lending that lets clients invest in various loans shown on the web page. It has Estonian headquarters and is one of the biggest P2P lending sites. For eleven years now, it has been in service. The firm has been in the position to process loans worth over impressive EUR 314.2M since being established, info on the web page shows.

How Bondora operates?

The main aim of Bondora is to provide clients with nice terms, provide fair pricing and make an open source application programming interface accessible for every process on the platform. Bondora offers clients customized packages that make sure that the platform has an investment choice for users. Its main aim are middle-income earners who need middle-level loans that financial entities and similar lenders are unable to access. Individuals in Estonia, Finland and Spain can access these operations.

The firms has a commodity called Go and Grow to boost its way of work. This enables customers to lend cash to the loans on the portfolio of the firm, but without needing to pick what kind of loans. Bondora is going to automatically pick the loans to invest in that will provide you with nice profits when you invest your cash in this commodity. The yearly profit on the offered commodity is now at 6.75 percent each year.

It is advantageous to invest there as you can have entry to your cash at any time, and there's a lesser risk than with similar investments. The risk is minimized by the diversification of your investment into various loans and via the usage of advanced financial management tech. You can move your current portfolio to the Bondora Go & Grow commodity if you are a customer of the other products on the Bondora platform.

It is significant to remember that client loans are primarily issued by the firm. All loan details are given for any loan shown on the platform. You get to see the borrower's age, where they come from, their job status, and history in education. A review of the payment plan and interest rates on every loan is offered by them, too. Often suggested is the loan collection process (for the loans that got one).

Their P-to-P Lending Site Characteristics

  • Bondora Charges

Bondora doesn't have charges for investors in the main marketplace, much like other P2P lending platforms in Europe, like Mintos. The payments just exist if you plan to sell your loan rights to another lender using the secondary market.

  • Warranted Buyback

Bondora's loans don't have a buyback warrant, and that is the site's main downside. You incur a straight loss if loan holders default on their payments. The majority of clients on the platform go for Go & Grow, where there aren't any lone loans as an investor's investment, due to the lack of buyback warrant, are diversified into multi-loans.

  • Length of the Loan and Currency

Loans are three-sixty months on here. The EUR is the sole currency approved here and you may launch your investment trip with a min of one euro at Bondora.


Bondora lets you manually invest and investment automatically.

  • Investing manually

Manual investing is the way to go for those investors who want to make their choice of loans and handle their savings. It is easy, straightforward to use, and the settings can be easily filtered to meet their investment needs. With regard to the nation of origin, the interest rate on the loan, and the scores provided to the loan originator founded on previous loans that were repaid, the loans available can be filtered.

The investment volume isn't generally big with manual investing, though one may diversify the low volume to various nations or loans.

  • Investing automatically

The pro manager commodity of Bondora's portfolio enables investors to automatically get their investment completed and handled. You may configure your own features, however, like loan length, expenditure for each loan, nation and ranking, to be followed. When you do the setup, the parameters you pick will be applied by all the loans invested in an automated way.

Bondora main features and highlights

Bottom line
Bondora provides two separate products with different risk profiles as a specific peer-to-peer lending network.
Fees: €1 Fee to Withdraw
Min Deposit: €10
Target returns: 6.75% - 10.4%
  • Peer-to-Peer Lending
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