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Applying for a loanWhat is Bondora's loan application process?How do I apply for a loan?Who can apply for a loan at Bondora?How long does it take to apply for a loan?How do I verify my identity?How do I verify my bank account via Trustly?How and why should I submit a bank statement via Instantor?Can I change the details of my loan application?Can I cancel a loan application?When will I receive my money?Can I apply for a new loan if I already have one at Bondora?Can I apply for a loan to refinance?What should I do if I'm not happy with the loan offer?Active loanHow do I repay my loan?How do I add money to my Bondora account?How do I withdraw money from my account?Can I cancel my loan within 14 days after signing the loan agreement?Where can I see my payment schedule?How to make a partial early repayment of my loanHow do I repay my entire loan early?How can I change my payment schedule?What happens if I have trouble paying back my loan?What is B On Track?What is B Secure?DebtHow does Bondora settle debt?What is the debt procedure for active loans?What is the debt procedure for canceled loans?What happens if the debt is pending before a bailiff?What happens if my debt information is published in the Estonian Credit Register?What is the debt procedure for exceptional cases?My account Is my personal information safe?How do I create a new password?How do I change my contact details?I can't access my old email address registered at BondoraHow can I change my bank account number on my Bondora account?How do we identify the customer?Why is it necessary to identify the customer?Who do we share information with?How can I close my Bondora account?My documents Where can I see my account statement?Where can I find my signed contracts?Where can I find my paid and unpaid invoices?Contacting Bondora Customer SupportHow to send queries to Bondora Customer SupportWrite to us from the email address registered with Bondora.What should I do if I receive a message on my phone that was not meant for me?What should I do if I get a postal letter that was not meant for me?What should I do if I get an email, but I don't have a Bondora account?What should I do if I write to Bondora on someone's behalf?Financial performance of Bondora Group

How do I apply for a loan?

We want to make getting loans accessible. That's why you can apply for a Bondora loan online any day and at any time. It takes about five minutes to complete our application. If your application was successful, you'll receive an initial loan offer.

To get started, open the loan application page and follow these steps:

1. Identify yourself and submit a bank statement

One-time identification is required when you apply for your first loan so we can verify your identity and bank account. You can do it using any of the identification methods provided. The next step is to submit your bank statement via Instantor. We use this to assess your solvency and, if possible, make you a final loan offer with a lower interest rate and a lower monthly payment. Please note: Confirming your bank account does not mean you have to accept the loan offer.

2. Submit a loan application and select the appropriate loan offer

Once you have completed your application, and it was successful (meaning, Bondora can grant you a loan) you will be offered an initial loan offer. Choose the appropriate loan amount and monthly payment according to your payment possibilities and financial needs.

3. Read and accept the terms of the final offer

After accepting the initial offer, a final offer will be sent to you. Please note: The final offer might be different from the original. Please read all the terms and conditions before you accept them. A contract fee is added to the amount stated in the final loan offer. You can read the price list here.

4. Sign the contract

You'll have 24 hours to sign the contract before your final loan offer expires. Because we're 100% online, you will 'sign' the contract using the unique PIN code sent to your registered phone number. Once you have signed the loan agreement, the money will be automatically transferred to your bank account. It's as simple as that!


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Bondora AS

A.H.Tammsaare tee 47, Tallinn 11316, Estonia
Estonian company number 11483929
EU VAT number: EE101252401

Representative example
A loan of 2,230 over 5 years will cost you € 63.88 per month. Representative 31.74% APR. The total amount payable over 5 years is € 3,962.53, which includes € 1,156.73 interest at 17.85% fixed and a €445.8 account management fee. A €130 contract fee will be collected immediately after loan is paid out. The total charge after 5 years is €1,732.53. The total amount of credit is 2,230. The rate you are offered will depend on your individual circumstances. Please examine the terms and conditions of our financial service and consult an expert if necessary.

Our loan terms
Loan amount from 500€ to 10000€. Repayment period from 3 to 60 months. Annual Percentage Rate (APR) from 31.74% to 61.56%. The rate you are offered will depend on your individual circumstances.