👌 Our analysis on Bondora's credits

Bondora offers online loans of up to 10,000 euros with a repayment period of up to 60 months without the need for guarantees or guarantees .

Bondora has a very low interest offer, from 14.97%.

Index of contents
Características Bondora

🔸 Bondora: Features

From Bondora, as with other types of loans, to request a quick and easy credit you will have to fill out a form; but in this case it is usually very simple and it will not take more than a few minutes to complete it. After filling it out, you will receive a response quickly telling you if they grant you the loan or not. Depending on each entity, you will know if your request has been accepted from a few minutes to a few hours, normally in a maximum of 48 hours.

If your application is accepted and the loan is granted, you will receive the money in your bank account. The entity from which you request the loan will transfer the amount immediately, normally within a period of no more than 3 days. Your bank may hold this transfer and it may not appear immediately in your account.

What type of financing does Bondora offer? Online loans on the spot , Loans without endorsement , Credits without papers
Maximum amount granted by Bondora? € 10,000
And the minimum? € 500
What is the amount of the first credit? € 10,000
Is the first loan without interest? NO
What is the maximum term for Bondora to return the credit? 60 months
And the minimum term? 3 months
How long does it take to give me an answer to my request? 1 day
How long does it take to deposit the money? 3 to 5 business days

🔸 Bondora: Requirements

Bondora's requirements are as follows:

Do I need to have a payroll to apply for Bondora credits? Demonstrable income
Do I need a guarantee or guarantee? NO
Can I apply for credit while at ASNEF? NO
Can I get a Bondora loan as a company? NO
What if I am self-employed? YES
Can I apply if I am unemployed? YES
What if I am a pensioner? YES
What is the maximum age to request a loan with Bondora? 70 years
And the minimum? 21 years
Can I use Instantor to validate my data? YES

🔸 Bondora: Extension and early cancellation

Bondora gives us the option of both early cancellation and extension.

Can I cancel my credit early? YES
What expenses can it involve? No additional charges
Is there a possibility of an extension? YES
What are the costs and expenses of extending the credit? € 10 per month

🔸 Bondora: Additional information

Do you have a simulator? YES
Does your simulator reflect all the loan costs? YES
What about the costs of extensions? NO
How does Bondora provide me with the money? Wire transfer

🔸 Bondora: Simulation

Example: A loan with Bondora of € 2,550 to be repaid within 5 years will cost you € 69.12 per month. Representative APR 26.9%. The total amount refundable in the 5 years is € 4,297.45, which includes € 1,087.45 at a fixed interest of 14.97% and a commission of € 510 for the administration of the account, a commission of € 150 for expenses of contract that will be collected immediately after the disbursement of the loan. The total charge at the end of the 5-year term is € 1,747.45, the total amount of the loan being € 2,550. The interest rate offered will depend on your personal circumstances. We kindly ask you to carefully examine the terms and conditions of our financial service and to consult an expert if necessary.

🔸 How can I request a loan without guarantees with Bondora?

Simply access the Bondora website and mark the amount of the loan. Next, we will establish the term in which we wish to return said loan, and as a consequence, a monthly fee will result. This is the data that we must take into account the most.

Taking into account that the acceptance of the application depends to a large extent on the resulting fee being perfectly adjustable to the client's income level, it is advisable to be careful at this point.

Once these two factors have been decided and the resulting monthly amount is satisfied, a contact email must be provided for paperwork communications.

🔸 How do I return the unsecured credit from Bondora?

If the information provided is real and there are no unusual circumstances, the client should be able to comfortably repay his loan. You can even cancel it in advance without any surcharge if you wish.

Bondora recommends communicating the changes and informing of the impossibility of facing the payments as soon as possible, so that the payment schedule can be reorganized and adapted to the new situation.

Bondora would take legal action that could end up causing an even greater problem in the client's economy, by being charged all the costs of the collection management by judicial means.

🔸 Bondora: Conditions

  • Loans do not require collateral
  • Minimum age 21 years
  • Interest rates from 14.97%
  • € 500-10,000 from a period of 3 months to a maximum of 5 years
  • Use instantor to validate financial situation

🔸 Bondora: Advantages

  • Does not require endorsement or guarantees

🔸 Bondora: Disadvantages

  • Does not allow debts to third parties

🔸 Bondora: Contact information

Direccón Bondora AHTammsaare tee 47. Tallinn 11316, Estonia. Estonian company number 11483929. EU VAT number: EE101252401
Email Bondora customers@bondora.com
Bondora Web https://www.bondora.es/es/Home/Index/?noredirect=True

On the bondora.es website you will find all the information you need. Sections of the website such as "Help", "Loan repayment", "How to apply for a loan?", "Contract conditions", among others.

🔸 Bondora: Opinions


I applied for a loan a couple of days ago in Bondora and the truth is that very well, I had no problems; yes, it is expensive ... expensive. But hey, the fees are affordable (about € 60 per month for 3 years) and if you need the money fast, well, that's fine. The only thing I had to do was fill in the form, send ID and in 5 minutes they had already sent me the contract to sign. Of course, to verify your account they ask you to make a deposit in their account of, be careful, Estonia. I have made an income of one cent and everything OK. The problem is not that they force you to enter something, the problem is that they charge you for the transfer. I have done it from my ING account that has free transfers, so no problem, but if your bank charges you for commissions, be careful.


If they grant loans, I have requested more than one and they have approved it and they have also denied me more than one, even paying for a long time, they are very expensive if you have them for a long time the sooner you pay them the cheaper they get

Luis Chacon

I changed the way I get loans, I changed from traditional banks to this platform. Thanks to her I was able to make a great vacation with my family. The transfer of my loan was effective in 3 days, and everything was done in the best way and without complications. If you need financing, this is the ideal place to start.

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