February 14, 2026,

Starting the Year Strong 🚀 Bondora Group Statistics for January 2026

Go & Grow

Editorial team

The year may have just begun, but investor activity remained strong. January built seamlessly on the momentum from the end of 2025, with high investment volumes and a new all-time record. The strong start highlights the continued confidence of investors as 2026 gets underway.

Key takeaways:

New all-time record in Go & Grow investments: €51,129,570 invested in January, the highest monthly volume to date.
Record-high returns earned by investors: €3,646,475 in returns paid out during the month, marking a new all-time high.
Stable loan origination across European markets: €29,480,982 in total loan originations, with Finland accounting for 67.6% of the monthly volume.

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Go & Grow investments and returns in January 2026 📈

January continued the strong momentum seen at the end of last year. Investors added €51,129,570 to Go & Grow during the month, a 9.5% increase compared to December 2025 and a new all-time monthly record.

Returns paid out to investors continued at a high level, with €3,646,475 earned in January, marking a new record payout.

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Loan origination statistics for January 2026

In January, a total of €29,480,982 in loans was originated across Bondora’s European markets, reflecting stable lending activity and a well-diversified loan portfolio.

Let’s break it down by country:

🇫🇮 Finland: The largest loan market once again, with €19,948,139 in loan originations, accounting for 67.6% of the total monthly volume.
🇳🇱 The Netherlands: Continued to play a key role, contributing €3,790,800 in loans, or 12.8% of total originations.
🇪🇪 Estonia: Loan originations reached €3,752,072, representing 12.7% of the monthly total and highlighting steady activity in the market.
🇱🇻 Latvia: Maintained a consistent contribution with €1,010,134 in loan originations, accounting for 3.4% of the total.
🇩🇰 Denmark: Completed the distribution with €979,837 in originated loans, making up 3.3% of monthly volumes.

Looking ahead

January provided investors with a strong start to the year. Record Go & Grow investment volumes and stable returns highlighted continued engagement and supported progress towards long-term financial goals. Activity across markets remained consistent, reflecting a well-diversified approach.

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Thank you for being part of the Bondora investment community. We’ll be back next month with more updates.

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Go & Grow

Editorial team

At Go & Grow, our Editorial Team combines years of fintech experience with a passion for financial education. We’re here to share trustworthy insights, platform updates, and easy-to-understand investment tips for everyone.

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Your questions, answered

Are Bondora AS's loans secured?
Bondora issues unsecured loans, meaning credit customers are not required to provide collateral. This approach allows us to offer a faster, simpler, and more accessible lending experience.

Risk is mitigated through multiple layers of protection. Our underwriting process is powered by predictive, data-driven models, trained on deep datasets collected over 17 years. Each borrower is carefully evaluated using a wide range of creditworthiness indicators before any loan is issued.

With Go & Grow, your investment is automatically diversified across hundreds of thousands of loans in multiple countries. This significantly reduces individual borrower risk and adds a layer of protection against regional or geopolitical events.

In the rare event of non-payment, we follow a structured recovery process, working with professional debt collection agencies and, when needed, escalating cases through local legal channels to pursue repayment.
What happens when a borrower doesn't repay?
At Go & Grow, we do a lot to prevent repayment issues before they happen. Our advanced data models carefully assess each borrower’s creditworthiness, using historical data and predictive analytics to minimize the likelihood of default from the start.

If a payment is delayed, we act quickly but thoughtfully. From the first day of the delay, we reach out to the customer via email, SMS, and automated calls to remind them of their delayed payment and offer flexible options to get back on track. The aim is to find a solution together, whether that means a new payment date or a short-term adjustment.

If the situation doesn’t resolve, we may involve our internal teams or trusted partners to continue the dialogue and explore further options. In some cases, if communication is unsuccessful, the matter may be escalated to the local legal system in line with standard procedures. Legal steps are always a last resort, and the goal is to find the best possible outcome for everyone involved.

Throughout this process, our focus remains on recovering outstanding amounts responsibly and respectfully while protecting investors’ interests.

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What are temporary partial payouts?
Under normal conditions, your Go & Grow withdrawal is paid in full with a single transaction near-instantly. However, in rare and extraordinary circumstances, partial payouts may be activated temporarily. This means your withdrawal will be split into smaller, daily payments until the full amount has been delivered. Only one €1 withdrawal fee applies once you’ve received the full amount.

This protective feature was built into Go & Grow from the start to help maintain stability and safeguard investor returns, so you can stay on track and stay earning, even when the world feels uncertain.

In Go & Grow’s 17-year history, partial payouts have only been activated once.

While we aim to keep Go & Grow fully liquid, this feature ensures that when conditions require it, your investments remain protected and continue to work for you.
What happens to my investments if Go & Grow goes bankrupt?
Your money is protected. Even in the highly unlikely event that Go & Grow becomes insolvent, your investments remain yours. Investors legally own the loan claims, not Go & Grow.

This means Go & Grow’s financial situation does not affect the legal ownership of those claims—they continue to belong to the investors. The claims are not part of Go & Grow’s bankruptcy estate.

Risks related to Go & Grow as a company are separate from the risks associated with your investment portfolio. Simply put, if Go & Grow disappears, your investment doesn’t.