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How do I apply for a loan?

Bondora is a 100% online web-based financial service. When applying for a loan, a personal Bondora account is created for each customer, which is used to monitor the loan application status, and later, to manage the 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 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 the lowest possible interest rate and monthly payment. Please note: Uploading your bank account statement 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 give you a loan), you will see three loan offers. Choose the appropriate loan amount and monthly payment according to your payment possibilities and financial needs.

Here you can also download and review all the relevant documents (loan contract, Standard European Consumer Credit Information, payment schedule, pre-contractual information sheet). 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*.

3. 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. By clicking on 'Sign' you agree to the terms.

Once you have signed the loan agreement, the money will be automatically transferred to your bank account. It's as simple as that!

*Price list link is for Estonia only. To view the price list for your country, please visit your country's Bondora website, e.g.

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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.