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How do I repay my loan early?

You can repay the loan in full or partially at any time. If you decide to repay the loan early, you will have to pay the balance of the principal amount, the total interest accumulated up to the repayment date, as well as any outstanding invoices. At the moment there is no extra fee for repaying your loan early. If you add more money to your account than your monthly payment due and haven't clicked on the "Repay early" button, after 3 days, Bondora is entitled to consider the transferred amounts as (partial) early repayment.

To make full early repayment, follow these steps:

  1. Check to see the exact amount you have to repay. Select "Loans", and click on the "Show more" button, then select "Repay early". Remember: The amount changes every day due to the interest calculation.
  2. Make sure you have enough money in your Bondora account to terminate the contract. If not, add money to your account first.
  3. Once the required amount is in your Bondora account, select "Loans" again. Click on "Show more" and select "Repay early".
  4. You will then need to "sign" the termination of the agreement with a PIN code, which will be sent to your registered telephone number. NB! The loan agreement will only terminate after you've signed.

To make a partial early repayment, follow these steps:

  1. Transfer the amount you want to repay your Bondora account.
  2. Once the money is in your account, select "Loans", then click the "Show more" button, select "Repay early", choose “Part of the loan amount” and enter the amount you want to repay.
  3. If you want to, you can choose a new loan period. If you don't select a new one, the previous loan period will be used to create a new schedule. Click the "Show new schedule" button to see the new payment schedule.
  4. Click "Sign" to accept the new schedule and confirm the partial early repayment. Partial early repayments must be signed with a PIN code sent to your registered phone number. Changes will not take effect until this is done.

Remember: If your phone number has changed, you can change it on your Bondora account. Read more about changing the phone number here.

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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.