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