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investors
Bondora is an Estonian consumer-lending business that has been running since 2008. Its investment product is now called Go & Grow. In 2026 the company investors sign with was renamed Go&Grow OÜ and moved out of the Bondora group into a new holding company, and bondora.com now leads to goandgrow.eu. Go & Grow is the only product that takes new money.
You pay in euros, from €1. The platform spreads your money automatically across small slices of unsecured consumer loans that Bondora makes to people in Finland (about 60% of the book), the Netherlands, Estonia, Denmark and Latvia. You cannot choose loans. Your balance grows every day at a rate the platform sets, now up to 6% a year.
Go & Grow advertises up to 6% a year, cut from 6.75% on 1 April 2025. This is a rate the platform sets and pays, not a measured result: Bondora publishes no figure for what investors actually earned after bad loans. Its home page shows €205 million paid to investors on €2.30 billion invested since 2008 (as of October 2026), which is an amount, not a yearly rate. Independent tracking of investor portfolios points to about 6% over the last twelve months.
Bondora publishes one default figure in words: in Finland, 8.3% of the loans made between mid-2023 and early 2024 defaulted within their first year (a loan counts as defaulted when it is more than 90 days late and the contract has been ended). That is down from about 14% for loans made in early 2023. Figures for the other countries are shown only in charts (published July 2026).
The 2025 annual report shows a loan book of €697 million at the end of 2025, of which €514 million was paying normally. So about 26% (€183 million) was not paying normally, down from about 36% a year earlier, partly because Bondora sold some Finnish bad loans. Go & Grow investors do not see these losses directly: Bondora absorbs them inside the gap between what the loans earn and the rate it pays you. That works only as long as Bondora and Go&Grow OÜ can keep paying.
Nothing secures the loans. They are unsecured consumer loans, with no buyback from another company, no reserve fund and no insurance on Go & Grow. When a borrower stops paying, Bondora chases the debt through collectors, courts and bailiffs; it says it gets back 31% to 54% of the defaulted amount within three years and expects about 67% to 69% over ten years. In practice your security is the financial strength of Bondora and of Go&Grow OÜ, the company you contract with, which has €2,500 of share capital, holds no financial licence and is not covered by any compensation scheme. Bondora's group made a profit in 2025 and its accounts were audited without qualification, but part of that profit came from a one-off sale of bad loans.
Bondora AS, the lender, holds an Estonian credit licence. Go&Grow OÜ, the company that owes Go & Grow investors their money, holds no financial licence. On 30 April 2025 Estonia's financial regulator fined Bondora AS €200,000 for making consumer loans between December 2023 and February 2024 without all the required checks on borrowers.
Opening an account, paying in and holding money are free. Each withdrawal costs €1. The platform keeps the difference between what the loans earn and the rate it pays you, and does not say how large that difference is.
You can ask to withdraw any day; the platform buys your loan slices back, paying from other investors' deposits and from borrowers' repayments. If there is not enough cash, it pays out in parts each banking day. That happened once, in spring 2020. There is no market to sell to other investors; the old secondary market for earlier portfolios closed in September 2025.
Return: Low — up to 6% a year, set by the platform, with no measured figure behind it. Risk: High (higher means more risk) — the one default figure published is moderate, but the lender was fined by its regulator, withdrawals were limited once, the company you contract with is small and unlicensed, and the public loan statistics have been taken down. Risk-return: Very Low — a modest, capped return for a high level of risk.
License / Regulation: Bondora AS (the lender) holds an Estonian credit licence from the Estonian Financial Supervision Authority. Go&Grow OÜ, the company investors contract with, holds no financial licence and is not covered by any deposit or investor compensation scheme.
Partly. Bondora AS, which makes the loans, holds an Estonian credit licence. Go&Grow OÜ, the company that owes you your money in Go & Grow, holds no financial licence, and no compensation scheme covers your balance.
Cash waiting in your account is kept in client accounts at AS LHV Pank in Estonia. Once invested, your money is in claims on Bondora's consumer loans, held through Go&Grow OÜ.
€1. There is no maximum stated for Go & Grow.
Go & Grow pays up to 6% a year, a rate the platform sets. Bondora does not publish what investors earned after bad loans. In Finland 8.3% of loans made from mid-2023 to early 2024 defaulted within a year, and about 26% of the whole loan book was not paying normally at the end of 2025. Investors do not bear these losses directly while Bondora can keep paying the set rate.
Nothing secures the loans: they are unsecured, with no buyback, reserve fund or insurance. Bondora recovers part of defaulted debts through collection (31% to 54% within three years). Your real protection is Bondora's and Go&Grow OÜ's ability to keep paying.
You can ask any day, for a €1 fee. Payouts come from new deposits and borrower repayments; if cash runs short, the platform pays in parts each banking day, as it did once in spring 2020. You cannot sell to other investors.
No fee to open an account, pay in or hold money; €1 per withdrawal. The platform also keeps the difference between what the loans earn and the rate it pays you, without saying how much.
Your money is not covered by any guarantee or compensation scheme. You would depend on what can be recovered from the loan claims held for investors, which could take years and return less than you paid in.
In 2026 the company investors contract with was renamed Go&Grow OÜ and moved out of the Bondora group under a new holding company; bondora.com now leads to goandgrow.eu. The loans are still made by Bondora AS. How responsibility is shared between the two companies has not been fully explained publicly.
