Get a better loan than the cheapest quick loans
Loans with quick payout
Interest rates from just 14.76%
Flexible repayment options
Your application is not binding
There is a right to cancel the loan within 14 days
Quick Loans & SMS Loans vs Bondora
What’s the difference between Bondora and a typical quick loan or SMS loan?
If you’re looking for a quick loan with fast approval and instant payout, Bondora is your better alternative. Our 100% online application process gives you a decision in minutes —and once approved, the money lands in your account within 5 minutes, thanks to our instant payment system.
While Bondora loans don’t fall under the traditional “quick loan” category, they’re faster and more flexible than what you’ll find with most SMS or payday lenders. You get the speed you need —without the usual drawbacks.
Higher Loan Amounts: A Bondora loan allows you to borrow more money than a typical quick loan. While quick loans typically offer smaller amounts, you can borrow up to DKK 100,000 from Bondora, giving you greater flexibility and the ability to fund larger expenses.
Longer repayment period: Most quick loans require full repayment in just a few weeks or months. Bondora, on the other hand, offers terms from 12 months up to 5 years —so you can spread out your costs and manage your monthly budget more easily.
Fast Approval: Speed matters. That’s why Bondora’s digital loan process gives you an approval decision in just minutes —no paperwork, no phone calls, and no waiting around.
Instant Payout in 5 Minutes: Once your loan is approved, the money is sent to your account within 5 minutesthanks to our instant payment system. No delays, no manual processing —just fast, reliable access to your funds when you need them most.
If you’re looking for a better alternative to traditional quick loans or SMS loans —one that’s truly fast, but also flexible and trustworthy —Bondora is the smart choice. Get approved in minutes, receive your money instantly, and enjoy a borrowing experience designed around your real-world needs.
Quick loans with our online application process
With Bondora, borrowing money quickly is both easy and convenient. Our digital platform is designed to ensure a seamless and efficient lending experience. From the moment you decide to borrow money, we start the process to help you compare loans and find the solution that best suits your needs.
Simply go to our application page and fill out the form, which includes some information about you and your finances. The form is intuitive and user-friendly, meaning it can be filled out in no time, whether you are at home, on the go, or taking a break at work.
Fast assessment and approval
Upon submission of your application, we will promptly assess your creditworthiness. This involves an assessment of your financial standing, loan history and ability to repay the loan. The entire process only takes a few minutes, and you will receive a loan offer directly in your inbox.
Should you decide to accept the offer, the next step is simple. Bondora will carry out the necessary verification procedures and approve your loan.
Fast money transfer
Subsequently, the funds will be transferred to your bank account within 1-3 business days, depending on your bank. This means you will be able to access the money quickly, allowing you to use it to cover your financial needs.
Efficiency and reliability
Bondora understands the need to have timely access to funds when you need them most. That is why we have streamlined our processes to ensure a quick and straightforward borrowing experience. We strive to provide a fast, efficient, and reliable service, so you can focus on what truly matters in your life.
Our online platform is available 24/7, which means you can apply for a loan whenever you need it, regardless of the time of day. Its availability and swiftness set Bondora apart from traditional loan providers and make us an excellent choice for those seeking a fast and reliable online loan.
Loans from Bondora: Requirements for applicants
Bondora extends loans to a wide range of applicants, However, in line with our commitment to responsible lending practices, we have set out a number of requirements that all potential borrowers must satisfy. These requirements are designed to ensure that the loan is suitable given the borrower’s financial situation and that the borrower will be able to repay it.
Age requirements when you want to borrow money
First and foremost, you must be at least 18 years old at the time of application. This criterion aims to ensure that all our borrowers are legally capable of entering into a loan agreement. It is also important that all borrowers have some degree of life experience and financial understanding to ensure comprehension of the terms and conditions of the loan.
Residence requirements
Secondly, you must hold a Danish personal identity number and reside permanently in Denmark. This condition is in place to ensure that we can verify your identity and current residence. It also helps ensure that we comply with anti-money laundering legislation and other consumer credit rules.
Requirements concerning income and disposable amount
It is also crucial that you have a fixed income with a sufficient disposable amount to cover your monthly expenses.
Your disposable amount, which represents the amount you have left after all your necessary expenses (such as rent, bills, food, transportation, etc.), have been covered, must be large enough to accommodate your monthly loan payments.
This requirement is essential to ensure that the loan does not impose excessive financial strain and that you can comfortably repay it within the agreed timeframe.
Credit rating
Lastly, it is important that you have a good payment history. This means having no registered cases of default, arrears, bankruptcy proceedings or the like. If managing your existing debt has proven challenging recently, it may be irresponsible or inappropriate for you to pursue a new loan at this time
If you meet these few requirements, you qualify to apply for a loan with Bondora. Our application process is quick, simple and transparent, and we are always ready to assist you in finding the solution that aligns best with your needs.
What can I use the loan for?
We understand that life may bring unforeseen expenses, or that you might need extra financial support to achieve your goals. Therefore, your loan from Bondora can be utilized to finance nearly anything that can contribute to improving your quality of life, addressing unexpected problems, or realizing your dreams.
Here are some examples of what you can finance with your Bondora loan:
Unforeseen expenses: Unforeseen expenses can arise at any moment, and they may strain your existing finances. A loan from Bondora can help cover these expenses, so you can quickly get back on track.
Car, motorcycle, or caravan: If you dream of buying a new vehicle, a loan from Bondora can help you make that dream come true. Whether you need a car for daily commutes, a motorcycle for weekend trips, or a caravan for family vacations, we can help.
Home renovation: Are you renovating your kitchen, bathroom, or perhaps undertaking a major remodeling? A loan from Bondora can give you the funds you need to bring your renovation project to fruition.
Vacation and travel: If you need a break from everyday life and you are dreaming of a trip, a loan from Bondora can turn your travel dreams into reality. Whether it is a long holiday abroad, or a short weekend getaway in Denmark, we can help you make it happen.
Dentist: Dental treatments can be expensive, and it is not always possible to postpone necessary treatments. With a loan from Bondora, you can cover your dental bills and keep your smile healthy and beautiful.
Remember that while you can use your Bondora loan for a wide range of purposes, responsible borrowing is crucial. You should always ensure that you can afford the monthly installments and that you only borrow the amount you genuinely need.
Is the interest rate variable or fixed?
When you take out a loan with Bondora, you secure an interest rate that does not change over the entire loan period. A fixed low interest rate gives you peace of mind and makes it easier for you to plan your financial obligations, since your monthly payment stays consistent throughout the repayment period. These predictable monthly installments help you budget efficiently and eliminate unpleasant surprises.
In addition, the interest rate on your Bondora loan is individually tailored. This means that the final interest rate offered to you is contingent on various factors, including your credit rating, financial circumstances and chosen maturity. It also affects the size of your monthly installments.
By offering a personalized interest rate, we ensure that you get an interest rate that reflects your unique financial situation and risk profile. This helps ensure that we can offer a fair and transparent loan solution tailored to your needs and capabilities.
So, whether you intend to use the loan to pay for a major expense, consolidate existing debts, or cover contingencies, rest assured that your loan will come with a fixed and personalized interest rate along with predictable monthly installments.
Is the loan secured or unsecured?
At Bondora, we offer unsecured loans. This means that you do not have to provide collateral in the form of your personal assets, such as a car or residence, to access your desired loan amount. Instead, we take into account your creditworthiness and ability to pay.
One of the primary benefits of an unsecured loan is that you can apply for it regardless of whether or not you have any physical assets. It can be an appealing option for those who do not necessarily possess significant valuables, or for borrowers who prefer not to pledge their property as collateral.
At Bondora, we have designed our loans to be both accessible and flexible. They are built on a certain degree of trust between us and the borrower.
We evaluate your application based on your personal and financial situation, including your creditworthiness and your ability to repay the loan. This approach allows you to borrow money based on your current financial standing, making it an ideal solution for individuals with stable income who may not yet have valuable assets to pledge as collateral.
However, even if the loans are unsecured, this does not guarantee that the borrowers’ valuables are fully protected against seizure. In the event of a loan default, steps may be ultimately taken to recover the debt, potentially impacting the borrower’s financial situation. However, seizure of physical assets is not the first step in the debt recovery process.
How much money may I borrow?
At Bondora, we are aware that each applicant has their own unique financial circumstances and needs. It is therefore our mission to offer flexible loan products that can be tailored to your specific financial requirements.
We know that there may be many different reasons to apply for a loan such as unforeseen expenses, investments, home renovation, vacations, etc. That is why our loans are designed to be as versatile as possible to meet your needs.
Quick loans for most needs
One of our most sought-after products is our quick loan. These loans typically span from DKK 5,000 to DKK 100,000, making them incredibly flexible.
Whether you are looking to finance a significant investment, planning a major home renovation, or dreaming of your next big trip, our personalized loans are crafted to make your dreams come true. We understand that life often brings about substantial financial commitments, and our personalized loans are designed to help you meet those needs in a financially responsible manner.
Quick loans when you are in a tight spot
We know that there are times when you only need a small financial boost. Unexpected expenses can arise at any moment, emphasizing the importance of having a financial safety net to address such situations.
Hence, we offer a special type of quick loan that is available from DKK 5,000 to DKK 20,000. These loans are perfect for covering minor, unforeseen expenses that can occur in everyday life, such as car repairs, unexpected dental bills, or unforeseen household expenses. Quick loans are easily accessible, allowing you to deal with your financial challenges swiftly and efficiently.
We know that financial needs change over time. That is why we are committed to providing loan products that can adapt alongside with you. Whether your financial needs change gradually or you are facing an unexpected financial challenge, we are here to help.
We take pride in providing solutions tailored to your individual financial needs and goals, and we are here to help you navigate your financial future with confidence. At Bondora, your financial well-being is our top priority.
How quickly should I repay the loan?
Choosing the right loan extends beyond merely determining the right loan amount. It also involves finding the right maturity period that is in line with your financial circumstances. At Bondora, we have designed our loan products to be flexible and tailored to your unique needs, and this flexibility also applies to the repayment period.
When you apply for a loan, you may choose a repayment period that best meets your needs. Our offers range from short maturity of just 12 months to a long installment period of up to 60 months.
This gives you the freedom to customize your repayment time according to your financial situation and comfort. Whether you seek short-term financing with quick repayment or long-term financing with more manageable installments, we strive to provide you with the best options.
For instance, opting for a shorter loan allows you to repay the loan faster, albeit with larger monthly repayments. Conversely, a loan with a longer maturity offers lower monthly installments, but will take longer to repay. The choice hinges on your current financial situation, future expectations, and ability to meet your monthly repayment obligations.
Can I take out a loan from Bondora if I am registered in RKI?
One fundamental aspect of Bondora’s loan policy is ensuring that our borrowers are in the best position to repay their loans. In other words, if you are registered in RKI (Ribers Kredit Information) or in the Debtor Register, it will unfortunately not be possible for you to take out a loan with us.
These registers serve as a warning to lenders about potential borrowers who have faced challenges meeting their financial obligations in the past.
While some providers may allow quick loans despite RKI, these registers are also a mechanism that prevents borrowers from taking on excessive debt, thus ensuring responsible loan practices. Hence, we take these registers seriously and they are an integral part of our credit rating process.
If you are registered in RKI or the Debtor Register, it might seem daunting to find a solution to your financial situation. However, the most important advice we can offer is to focus on improving your creditworthiness by addressing your existing financial liabilities before considering another loan.
There are many ways to improve your creditworthiness, including paying off your existing loans and entering into new installment agreements, avoiding unnecessary new debt, and having a stable income. It may be a good idea to seek the help of a personal finance adviser who can help you understand your options and find a solution for your particular situation.
We know that everyone may encounter challenging financial situations, and our goal is not to make life difficult for our customers. Instead, we strive to assist borrowers in making responsible financial decisions. We aspire to be part of the solution and not the problem, and we are here to help when your financial circumstances improve and you are ready to take out a loan.
Take the next step: Apply for your loan now
If you need to borrow money, Bondora is ready to be your reliable financial partner. We take pride in offering loans with a quick application process, but also loans designed with consideration for each borrower’s unique situation. Through our personalized interest rates and flexible repayment terms, we have created a loan experience tailored to your individual needs.
Whether you need to borrow a small amount for a necessary private expense, a larger sum for a business investment, or funds for essential maintenance, we can help you achieve your goals.
Our application process is designed to be simple and straightforward, so you can quickly access the funds you need. You can complete the application in just a few minutes, after which we will promptly assess your application and give you an answer.
With Bondora, it is easier than ever to access the loans you need precisely when you need them. Take the next step towards achieving your goals by applying for what could be your best loan here at Bondora today.