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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 our add-on service 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.

If you need to lower your monthly payments for a longer period of time, we recommend you to join our premium customer level B Secure+. B Secure+ customers have a variety of extra benefits, such as the possibility to pause their principal payments altogether, and more. You can read more about B Secure+ here.

We send automatic reminders to notify you 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. 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 you are unable to pay the debt even after repeated reminders and three consecutive monthly payments are partially or fully in arrears, Bondora will be forced to cancel your loan agreement(s) and appeal to the court to recover the entire debt.

You can read more about our debt collection procedure below:

1. Debt collection procedure for active loans

2. Debt collection procedure for canceled loans

*The fees page 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.