Bondora vs Scramble
Head-to-head comparison of Bondora (78/100) and Scramble (46/100): yields, default rates, guarantees, secondary market, regulation and minimum investment.
Side-by-side comparison
| Criterion | Bondora | Scramble |
|---|---|---|
| Crowdscope score | 78/100 | 46/100 |
| Country | Estonia | Estonia |
| Founded | 2008 | 2021 |
| Loan types | Consumer lending | Business lending |
| Indicative yield | 6% | 16.46% |
| Default rate | 0% | 0% |
| Regulatory status | Credit institution | Non régulé ECSP |
| Minimum investment | 1 € | 10 € |
| Cumulative funded volume | 2,000,000,000 € | 42,000,000 € |
| Registered investors | 511,000 | 11,700 |
| Secondary market | No | No |
| Auto-invest | Yes | Yes |
| Guarantees | None disclosed | Caution dirigeant |
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 Scramble — frequently asked questions
Bondora or Scramble: which one should you choose?
On the Crowdscope framework, Bondora scores higher (78/100 versus 46/100). Bondora advertises around 6% with a 0% default rate under the Credit institution regime, while Scramble advertises around 16.46% with a 0% default rate under the Non régulé ECSP regime. The right choice depends on whether you prioritise yield, liquidity or regulatory protection.
Which of Bondora and Scramble offers the higher yield?
Scramble advertises the higher indicative yield (16.46% versus 6%). A higher advertised yield usually reflects higher credit or liquidity risk, not a better product.
Which platform is more liquid, Bondora or Scramble?
Neither platform operates a secondary market: investments must be held to maturity on both.
Can you invest on both Bondora and Scramble?
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