Bondora vs Swaper
Head-to-head comparison of Bondora (78/100) and Swaper (82/100): yields, default rates, guarantees, secondary market, regulation and minimum investment.
Side-by-side comparison
| Criterion | Bondora | Swaper |
|---|---|---|
| Crowdscope score | 78/100 | 82/100 |
| Country | Estonia | Estonia |
| Founded | 2008 | 2016 |
| Loan types | Consumer lending | P2P marketplace |
| Indicative yield | 6% | 13.8% |
| Default rate | 0% | 0% |
| Regulatory status | Credit institution | Non régulé ECSP |
| Minimum investment | 1 € | 10 € |
| Cumulative funded volume | 2,000,000,000 € | 1,065,000,000 € |
| Registered investors | 511,000 | 10,600 |
| Secondary market | No | Yes |
| Auto-invest | Yes | Yes |
| Guarantees | None disclosed | Buyback |
Crowdscope verdict
Swaper takes the higher Crowdscope score (82/100) 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 Swaper — frequently asked questions
Bondora or Swaper: which one should you choose?
On the Crowdscope framework, Swaper scores higher (82/100 versus 78/100). Bondora advertises around 6% with a 0% default rate under the Credit institution regime, while Swaper advertises around 13.8% 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 Swaper offers the higher yield?
Swaper advertises the higher indicative yield (13.8% versus 6%). A higher advertised yield usually reflects higher credit or liquidity risk, not a better product.
Which platform is more liquid, Bondora or Swaper?
Swaper operates a secondary market while Bondora does not, which makes early exits easier on the former.
Can you invest on both Bondora and Swaper?
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