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How do I apply for a loan?

Bondora is a 100% online web-based financial service. Meaning everything is online and easy to access. You just need a device with an internet connection to create your account, apply for a loan, and manage your loan if you accept our offer.

You can apply for a Bondora loan online any day and at any time. And it takes about five minutes to complete our application. If your application was successful, you'll receive an offer.

To get started, go to www.bondora.ee 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 we can give you a loan, you will see our best loan offer for you.

You can choose the appropriate loan amount and duration according to your payment possibilities and financial needs.

Here you can also download and review all the relevant documents, such as the loan contract, Standard European Consumer Credit Information, payment schedule, and 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 view the price list here*.

3. Sign the contract

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. But don't delay, as our offers do expire. If your offer expired before you signed it, you can apply again.

Once you have signed the loan agreement, the money will be automatically sent to your bank account on the same day.

It's as simple as that!

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


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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.