Bondora vs Fagura
Head-to-head comparison of Bondora (78/100) and Fagura (69/100): yields, default rates, guarantees, secondary market, regulation and minimum investment.
Side-by-side comparison
| Criterion | Bondora | Fagura |
|---|---|---|
| Crowdscope score | 78/100 | 69/100 |
| Country | Estonia | Moldova |
| Founded | 2008 | 2019 |
| Loan types | Consumer lending | Consumer lending, Business lending |
| Indicative yield | 6% | 12% |
| Default rate | 0% | 4.5% |
| Regulatory status | Credit institution | CNPF Moldova |
| Minimum investment | 1 € | 10 € |
| Cumulative funded volume | 2,000,000,000 € | 20,000,000 € |
| Registered investors | 511,000 | 6,000 |
| Secondary market | No | Yes |
| Auto-invest | Yes | Yes |
| Guarantees | None disclosed | Fonds de provision, Recouvrement |
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 Fagura — frequently asked questions
Bondora or Fagura: which one should you choose?
On the Crowdscope framework, Bondora scores higher (78/100 versus 69/100). Bondora advertises around 6% with a 0% default rate under the Credit institution regime, while Fagura advertises around 12% with a 4.5% default rate under the CNPF Moldova regime. The right choice depends on whether you prioritise yield, liquidity or regulatory protection.
Which of Bondora and Fagura offers the higher yield?
Fagura advertises the higher indicative yield (12% versus 6%). A higher advertised yield usually reflects higher credit or liquidity risk, not a better product.
Which platform is more liquid, Bondora or Fagura?
Fagura operates a secondary market while Bondora does not, which makes early exits easier on the former.
Can you invest on both Bondora and Fagura?
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