Helping you handle your finances with confidence, one step at a time.

200 000+
customers across Europe
€1 billion+
in issued loans
Launched
2008
6
languages
5
countries

Why Bondora?

  • Clear and simple online application

    You just need your ID, bank details, and a device with internet access to apply.

  • Secure loan processing

    Once your application is approved and you’ve signed the agreement, we’ll start the transfer to your bank account.

  • Personal data protection

    Your personal data is handled securely and never shared without your consent.

  • Transparent conditions

    The terms of your loan agreement are clearly explained before you sign. No hidden surprises!

  • 100% online

    You can apply online and check the conditions. No collateral required.

  • Helpful customer support

    Send your questions to our support team at any time. We will get back to you as soon as possible.

Our secure online platform provides a simple and transparent way to apply for credit. We focus on clarity, fairness, and responsible lending to support well-informed financial decisions.

With a user-friendly application process and clear loan terms, our goal is to help individuals manage their finances responsibly and with confidence.

Bondora's story

Founded by Pärtel Tomberg in 2008 during the global financial crisis, Bondora was established to improve access to transparent and fair credit. Over the years, we’ve grown to serve customers across Europe with clear and predictable credit solutions.

Whether you're consolidating existing credit or managing unexpected financial needs, our fixed-rate loans are designed to offer a stable and understandable repayment structure.

With 17 years of experience and nearly 200 dedicated professionals, Bondora operates with a strong commitment to compliance, transparency, and customer trust in every market we serve.

We’re here to keep things clear and straightforward. You’ll always know the costs, the process, and the important details before you decide. No hidden surprises. Your trust matters to us, and we’re committed to being upfront every step of the way.

Your wishes could come true

"Our goal is to provide straightforward financial services that help you stay in control of your finances. With Bondora, managing your money is simple, transparent, and on your terms.

  • Access clear and transparent financial services
  • Stay in control of your borrowing decisions
  • Manage your finances confidently and independently
  • Make informed choices that suit your needs

We’re here to support you, whether that’s today or in the future."

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 €20000. Repayment period from 6 to 96 months. Annual Percentage Rate (APR) from 16.14% to 46.41%.
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