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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?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

What happens if I have trouble paying back my loan?

If you expect that you might run into trouble paying back your loan on time, we recommend that you purchase B Secure. B Secure is a convenient service that borrowers can purchase to change their payment schedules. You can learn more about B Secure here.

Automatic reminders notify users about an upcoming payment date. If a payment date is missed, automated debt notifications go out the next day after the debt occurs and periodically after that. In case a loan is overdue for more than 4 days, a letter will be sent out by postal mail. Some debt notifications are subject to an additional fee according to each country’s legislation and may differ from country to country. Please refer to the fees page to learn more.

If a debt is not repaid, we are forced to take the following actions: 

  • Send debt notifications via SMS, email and postal mail
  • Publish the debtor's details in a public credit registry
  • Cancel the loan agreement schedule—the whole loan turns into a payable debt, including principal and interest payments
  • Recover the debt—we will turn to courts if necessary
  • In case of a court decision, we will turn to a bailiff for enforcement proceedings

If we are forced to turn to a court, and the court decides that the debtor must repay the debt, we will turn to bailiffs for enforcement proceedings. Bailiffs can seize debtors' accounts, assets, and income.


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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.