Bondora vs ClubFunding
Head-to-head comparison of Bondora (78/100) and ClubFunding (60/100): yields, default rates, guarantees, secondary market, regulation and minimum investment.
Side-by-side comparison
| Criterion | Bondora | ClubFunding |
|---|---|---|
| Crowdscope score | 78/100 | 60/100 |
| Country | Estonia | France |
| Founded | 2008 | 2015 |
| Loan types | Consumer lending | Real estate |
| Indicative yield | 6% | 9.5% |
| Default rate | 0% | 0% |
| Regulatory status | Credit institution | ECSP |
| Minimum investment | 1 € | 1000 € |
| Cumulative funded volume | 2,000,000,000 € | 1,800,000,000 € |
| Registered investors | 511,000 | 42,000 |
| Secondary market | No | No |
| Auto-invest | Yes | No |
| Guarantees | None disclosed | Hypothèque, Caution, Garantie à première demande |
Crowdscope verdict
Bondora takes the higher Crowdscope score (78/100) in this head-to-head, driven by its mix of track record, regulation, guarantees and liquidity. Scores measure structural robustness, not expected return — capital is at risk on both platforms and diversifying across several operators remains the primary risk-control tool.
Bondora vs ClubFunding — frequently asked questions
Bondora or ClubFunding: which one should you choose?
On the Crowdscope framework, Bondora scores higher (78/100 versus 60/100). Bondora advertises around 6% with a 0% default rate under the Credit institution regime, while ClubFunding advertises around 9.5% with a 0% default rate under the ECSP regime. The right choice depends on whether you prioritise yield, liquidity or regulatory protection.
Which of Bondora and ClubFunding offers the higher yield?
ClubFunding advertises the higher indicative yield (9.5% versus 6%). A higher advertised yield usually reflects higher credit or liquidity risk, not a better product.
Which platform is more liquid, Bondora or ClubFunding?
Neither platform operates a secondary market: investments must be held to maturity on both.
Can you invest on both Bondora and ClubFunding?
Yes. Diversifying across several platforms is a common way to limit platform-failure risk, since it spreads exposure across different originators, jurisdictions and regulatory regimes. Capital remains at risk on both.
Last updated: · Reviewed by the Crowdscope editorial team