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Who can apply for a loan at Bondora?

Our loans are currently available in the following countries:

To apply for a loan, you must:

  • Be at least 18-65 years old when applying.
  • Have a permanent or primary place of residence in a country where we issue loans.
  • Be in paid employment or retirement with sufficient income to cover all your monthly expenses.
  • Not have a history of bad credit, such as being in default, arrears, bankruptcy proceedings, or open enforcement proceedings.
  • Not have a history of gambling problems.

Your loan application can only be accepted if you meet these and any other requirements determined by Bondora. We have these requirements to provide a safe environment for all our loan applicants. As a socially responsible company, these requirements are designed to minimize risks. 

Disclaimer: These requirements are specific to Estonia. To view the loan application requirements for your country of residence, please visit your country's Bondora website, e.g., in Finland, please visit

*In the Netherlands, in addition to the requirements listed above, you also need an identity document issued in the Netherlands.

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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.