Bondora

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Bondora is a European peer-to-peer lending and investment platform founded in 2008. It enables investors to allocate capital into consumer loans across multiple countries, primarily via its “Go & Grow” product, with automated diversification, daily compounding, and withdrawal flexibility.

Minimum investment
1 EUR
Advertised return
6%
Investors
503,693
Payment options
Direct debit, Credit card
Total funding volume
1,904,460,928 EUR
Average loan duration
N/A
Indefinite
Bonus
🔖 Fixed Reward

Join Go & Grow and get a welcome bonus! Deposit €50 within 30 days to keep and withdraw your reward.

🎁 €5 welcome bonus

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What does Bondora offer ?

Offer for Investors:

Investors on Bondora can access the “Go & Grow” account which allows them to invest money into a diversified pool of loans and earn returns of up to around 6% p.a. (though not guaranteed). The funds are designed to allow relatively fast liquidity (withdrawals possible, subject to conditions) and minimal ongoing management.

Offer for Borrowers:

  • Bondora offers unsecured consumer loans across several European markets (Estonia, Finland, Spain, the Netherlands, Latvia).
  • Transparent pricing and online application process for borrowers.
  • Loans range in size (depending on country) and have variable interest rates.
  • Automated underwriting processes with the goal of efficient credit decisions.
Who can invest on Bondora ?

Anyone over the age of 18 living in the EEA or Norway and/or having businesses registered in the EU and/or from any other country approved by Bondora can open an investment account.

What are Bondora fees ?

A fixed €1 fee per withdrawal transaction.

For borrowing: fees vary by country and product (e.g., contract/loan origination fees up to ~5.95% of loan amount in some markets).

Profile strength: Strong
Would you invest via Bondora?
What is the target industry of the Bondora crowdfunding website?

Bondora offers to invest in various crowdfunding opportunities from the SME sector.

What is the minimum amount needed to invest at Bondora crowdfunding platform?

At Bondora, you can start investing with €1.

What types of investment does the Bondora crowdfunding platform provide?

The investment models Bondora operates is P2P lending.

General information
Bondora, a P2P lending platform based in Estonia, was founded in 2008. To date, more than EUR 438 million has been invested through the platform. Bondora does not provide information about its loan originators. According to Bondora Group AS consolidated annual report 2020, loans are issued by Bondora AS. It is not specified which subsidiaries issue loans in Spain and Finland. There is for sure conflict of interest between the loan originators and the platform’s owners as the platform only sells loans issued by subsidiaries. Bondora does not have an investment brokerage license. 
Conclusion
Bondora is an Estonian P2P lending platform with a promised return of up to 9%. There is a conflict of interest between the loan originators and the platform’s owners, which might be a potential red flag. The platform provides its historical loan books and annual reports that can help investors measure the riskiness of investing through Bondora and trust the platform more. However, there is no information about the board members and team. Bondora provides the necessary features that can attract investors, such as auto-invest and secondary market.
Board team
Bondora does not publish information about its owners and team on their webpage. This fact can lead investors to lower trust. It is important for investors to see who the managing team is because it helps them either to make sound decisions-invest or not invest through the platform.
Would you invest via Bondora?
Would you invest via Bondora?

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