Why borrow from Bondora?

Get a loan offer in 1 minute!



*Loan amount from €500 to €10000. Repayment period from 3 to 60 months. Annual Percentage Rate (APR) from 32.92% to 37.27%.

Quicker and less conservative than banks

Banks tend to have tough criteria to borrow money and it takes them quite some time to process your loan application. All credit providers have a duty to check, if you are eligible to borrow, but thanks to our online technology we can give you a suitable loan offer in no time. Just like in banks we have affordable interest rate and personalized loan offers.

Different from most quick loan providers

Although there might be a limit to annualized percentage rate set forth by law, many quick loan providers tend to take the most out it. Advertised moderate interest rate might be just a smokescreen to hide high contract fees or late payment fees.

Our system calculates the best interest rate we can offer, based on your data and your credit history. We have no hidden fees (see Fees), so you can make sure this is the loan you can afford to pay back.

If you currently have any unpaid quick loans then we recommend you to consider refinancing them with Bondora loan.

5 checks before
you start a loan application

  • You are over 21
  • You have a bank account in Spain
  • You have a regular official income
  • You have a good credit history
  • You do NOT have gambling problems

Our loan conditions

  • The loans are unsecured and very easy to apply for;
  • 500-10,000€ from 3 months up to 5 years;
  • Interest rates starting from 19.9% p.a.;
  • No additional fees for early repayment;
  • You can choose your own monthly payment;
  • Apply online, no need to visit a branch;
  • You can get a loan using just your smartphone.

Why borrow
from Bondora?

Apply for a loan anywhere anytime

Sometimes unexpected situations just happen, like car breaks down or washing machine stops working. These can happen in middle of the night and no-one is safe from them. Or even if you are lucky to have enough funds for rainy days, you might be short of money for buying a new car or renovating a home.

You can submit loan application at Bondora even at 2AM and on public holidays! Our whole loan process can be completed 100% online without a need to visit a branch and even leave your home.

Affordable and personalized

Bondora does not offer one fit solution to all customers like some traditional banks. Since funded in 2009, we have won many prizes for innovation and alternative financing. Despite recognition, we continue improving to offer best service to our customer.

And the best part is that our interest rates are affordable. While all loan offers are personal, based on needs and requirements of each customer.

Faster than ever

Our fast online application takes only 5 to 10 minutes to complete and and you get initial loan offer within 1 minute. Our customers are getting a fast loan offers 24/7 and you can even apply from your smartphone.

Speed is nothing without secure platform. With Bondora you can be sure that all provided information is handled fast and securely.

Choose suitable monthly payment

After submitting loan application, you get an initial loan offer within 1 minute. All offers are based on your credit background and give you the flexibility to choose the suitable monthly payment to meet your needs.

You have 72 hours to accept suitable loan offer and monthly payment. After this time expires, your application is automatically cancelled and you do not have any further commitments to take a loan from Bondora.

Fair and reliable

All applications are reviewed by our trained loan analysts and no information is shared with third parties. We are doing our best to review all applications within couple of hours.

Loan applications are being reviewed 7 days a week, with no exceptions on weekends or national holidays. Our loans are always there for you!

No additional fees

After agreeing with final loan terms, loan money is automatically transferred to your verified bank account. Depending on the bank, the transfer normally takes 1-3 workdays.

If your plans change you can always repay the loan without additional costs. Also all our fees can be seen HERE, so there would be no hidden fees or scary surprises along the way.

How to get a loan
from Bondora?

  1. 01 Register and
    submit a loan application
  2. 02 Choose a suitable
    loan offer
  3. 03 Identify yourself and
    sign a contract

Get a loan offer in 1 minute!



226,804 people have invested over €1,016.9M and earned €228M – YOU become the bank.

  • Automated investing made simple
  • 11-year track record
  • Start with a minimum of €1
Start now
Please review our terms and conditions on bondora.com, and consult with a financial advisor if necessary.

Get a loan offer in 1 minute!



*Loan amount from €500 to €10000. Repayment period from 3 to 60 months. Annual Percentage Rate (APR) from 32.92% to 37.27%.