{"id":31872,"date":"2025-11-22T06:00:00","date_gmt":"2025-11-22T05:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/les-meilleures-alternatives-a-bondora-2026\/"},"modified":"2026-04-02T17:57:28","modified_gmt":"2026-04-02T15:57:28","slug":"alternatives-bondora","status":"publish","type":"post","link":"https:\/\/rethink-p2p.de\/fr\/alternatives-bondora\/","title":{"rendered":"Les meilleures alternatives \u00e0 Bondora (2026)"},"content":{"rendered":"<p>Bondora est l\u2019une des plus grandes plateformes de pr\u00eat P2P en Europe. Un fait clairement d\u00e9montr\u00e9 par plusieurs indicateurs cl\u00e9s : un historique depuis 2008, plus de 520 000 investisseurs inscrits et plus de 500 millions d\u2019euros d\u2019actifs d\u2019investisseurs sous gestion.<\/p>\n<p>Au-del\u00e0 de sa taille, Bondora est \u00e9galement une plateforme extr\u00eamement populaire parmi les investisseurs P2P. Lors du vote annuel de la communaut\u00e9, Bondora s\u2019est constamment class\u00e9e parmi les huit meilleures plateformes. En 2021 comme en 2022, l\u2019entreprise estonienne a m\u00eame d\u00e9croch\u00e9 la premi\u00e8re place.<\/p>\n<p>L\u2019une des principales raisons du succ\u00e8s de Bondora est <a href=\"https:\/\/rethink-p2p.de\/fr\/bondora-go-and-grow-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>Bondora Go &amp; Grow<\/strong><\/a>, lanc\u00e9 en 2018. Ce produit se caract\u00e9rise par un taux d\u2019int\u00e9r\u00eat fixe de 6 %, une liquidit\u00e9 quotidienne, une large diversification et une utilisation simple.<\/p>\n<p>Quelles alternatives \u00e0 Bondora sont actuellement disponibles sur le march\u00e9 et dans quelle mesure se comparent-elles \u00e0 l\u2019original estonien ? Cette page pr\u00e9sente plusieurs options et les compare avec Bondora.<\/p>\n<p>Vous n\u2019avez pas encore investi sur Bondora ? Alors consultez mon <a href=\"https:\/\/rethink-p2p.de\/fr\/bondora-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>avis sur Bondora<\/strong><\/a> sur le blog ou inscrivez-vous sur la plateforme P2P en utilisant le bouton ci-dessous.<\/p>\n<div class=\"su-button-center\"><a href=\"https:\/\/bit.ly\/rethinkp2p-fr-bondora\" class=\"su-button su-button-style-default\" style=\"color:#ffffff;background-color:#0aad27;border-color:#088b20;border-radius:8px\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color:#ffffff;padding:7px 22px;font-size:17px;line-height:26px;border-color:#54c668;border-radius:8px;text-shadow:0px 0px 0px #000000\"><i class=\"sui sui-check-circle\" style=\"font-size:17px;color:#FFFFFF\"><\/i> <strong>Inscrivez-Vous Sur<\/strong> <strong>Bondora (Bonus de 5 Euros)<\/strong><\/span><\/a><\/div>\n<hr \/>\n<p data-start=\"199\" data-end=\"264\"><strong>Autres articles sur des alternatives de plateformes :<\/strong><\/p>\n<ul>\n<li data-start=\"266\" data-end=\"406\"><a href=\"https:\/\/rethink-p2p.de\/fr\/alternatives-maclear\/\" target=\"_blank\" rel=\"noopener\"><strong>Les meilleures alternatives \u00e0 Maclear en 2026<\/strong><\/a><\/li>\n<\/ul>\n<hr \/>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_67_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rethink-p2p.de\/fr\/alternatives-bondora\/#Pourquoi_envisager_des_alternatives_a_Bondora\" title=\"Pourquoi envisager des alternatives \u00e0 Bondora ?\">Pourquoi envisager des alternatives \u00e0 Bondora ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rethink-p2p.de\/fr\/alternatives-bondora\/#Lapproche\" title=\"L\u2019approche\">L\u2019approche<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rethink-p2p.de\/fr\/alternatives-bondora\/#Alternative_a_Bondora_n%C2%B01_Viainvest\" title=\"Alternative \u00e0 Bondora n\u00b01 : Viainvest\">Alternative \u00e0 Bondora n\u00b01 : Viainvest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rethink-p2p.de\/fr\/alternatives-bondora\/#Alternative_a_Bondora_n%C2%B02_Monefit_SmartSaver\" title=\"Alternative \u00e0 Bondora n\u00b02 : Monefit SmartSaver\">Alternative \u00e0 Bondora n\u00b02 : Monefit SmartSaver<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rethink-p2p.de\/fr\/alternatives-bondora\/#Alternative_a_Bondora_n%C2%B03_Mintos\" title=\"Alternative \u00e0 Bondora n\u00b03 : Mintos\">Alternative \u00e0 Bondora n\u00b03 : Mintos<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rethink-p2p.de\/fr\/alternatives-bondora\/#Alternative_a_Bondora_n%C2%B04_TWINO\" title=\"Alternative \u00e0 Bondora n\u00b04 : TWINO\">Alternative \u00e0 Bondora n\u00b04 : TWINO<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rethink-p2p.de\/fr\/alternatives-bondora\/#Conclusion_Les_meilleures_alternatives_a_Bondora\" title=\"Conclusion : Les meilleures alternatives \u00e0 Bondora\">Conclusion : Les meilleures alternatives \u00e0 Bondora<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pourquoi_envisager_des_alternatives_a_Bondora\"><\/span>Pourquoi envisager des alternatives \u00e0 Bondora ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Explorer des alternatives potentielles \u00e0 Bondora peut \u00eatre motiv\u00e9 par deux raisons principales.<\/p>\n<p><strong>Premi\u00e8rement :<\/strong> \u00e9largir son portefeuille de pr\u00eats P2P dans un but de diversification. Dans ce cas, vous \u00eates peut-\u00eatre d\u00e9j\u00e0 inscrit sur Bondora, mais vous cherchez une option suppl\u00e9mentaire pr\u00e9sentant des caract\u00e9ristiques similaires.<\/p>\n<p><strong>Deuxi\u00e8mement :<\/strong> certaines fonctionnalit\u00e9s peuvent manquer sur Bondora mais \u00eatre disponibles (ou mieux mises en avant) sur d\u2019autres plateformes. Cela peut inclure la r\u00e9glementation, la transparence ou une meilleure perspective de rendement.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Lapproche\"><\/span>L\u2019approche<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pour identifier des alternatives appropri\u00e9es \u00e0 Bondora, il est essentiel de commencer par d\u00e9finir les principales caract\u00e9ristiques et sp\u00e9cificit\u00e9s de la plateforme P2P estonienne. Voici un aper\u00e7u :<\/p>\n<p><strong>Historique :<\/strong> Bondora a commenc\u00e9 ses activit\u00e9s en pleine crise financi\u00e8re de 2008. Cela conf\u00e8re \u00e0 l\u2019entreprise pr\u00e8s de deux d\u00e9cennies d\u2019exp\u00e9rience, au cours desquelles elle a travers\u00e9 plusieurs crises, tant sp\u00e9cifiques \u00e0 certains pays qu\u2019au niveau mondial.<\/p>\n<p><strong>Mod\u00e8le commercial :<\/strong> Les pr\u00eateurs au sein du groupe Bondora financent des pr\u00eats \u00e0 la consommation non garantis \u00e0 travers l\u2019Europe. Aucune protection ni garantie n\u2019est mise en place pour prot\u00e9ger les investisseurs contre les risques potentiels de d\u00e9faut de cr\u00e9dit.<\/p>\n<p><strong>Produit :<\/strong> Avec le lancement de Bondora Go &amp; Grow en 2018, la plateforme a fix\u00e9 de nouvelles normes en mati\u00e8re de simplicit\u00e9 d\u2019utilisation, de taux d\u2019int\u00e9r\u00eat fixes et de liquidit\u00e9 \u00e9lev\u00e9e. Ce lancement a marqu\u00e9 la naissance des produits \u00ab en un clic \u00bb qui ont suivi dans les ann\u00e9es suivantes.<\/p>\n<p><strong>Stabilit\u00e9 financi\u00e8re :<\/strong> Bondora Group AS, la soci\u00e9t\u00e9 m\u00e8re de la plateforme, est rentable de mani\u00e8re constante depuis 2017. Ses \u00e9tats financiers sont audit\u00e9s par des commissaires aux comptes reconnus conform\u00e9ment aux normes IFRS et sont publi\u00e9s chaque ann\u00e9e.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Alternative_a_Bondora_n%C2%B01_Viainvest\"><\/span>Alternative \u00e0 Bondora n\u00b01 : Viainvest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Viainvest est une plateforme P2P r\u00e9glement\u00e9e en Lettonie o\u00f9 les investisseurs peuvent obtenir jusqu\u2019\u00e0 13 % de rendement. Voici un aper\u00e7u de la plateforme.<\/p>\n<div class=\"su-table su-table-alternate\">\n<table>\n<tbody>\n<tr>\n<td><strong>Fond\u00e9e \/ Lanc\u00e9e :<\/strong><\/td>\n<td>Ao\u00fbt 2016 \/ D\u00e9cembre 2016<\/td>\n<\/tr>\n<tr>\n<td><strong>Nom Juridique :<\/strong><\/td>\n<td>SIA Viainvest (<a href=\"https:\/\/info.ur.gov.lv\/#\/legal-entity\/40203015744\" target=\"_blank\" rel=\"noopener\"><strong>LINK<\/strong><\/a>)<\/td>\n<\/tr>\n<tr>\n<td><strong>Si\u00e8ge Social :<\/strong><\/td>\n<td>Riga, Lettonie<\/td>\n<\/tr>\n<tr>\n<td><strong>R\u00e9gul\u00e9e :<\/strong><\/td>\n<td>Oui (Commission des March\u00e9s Financiers et des Capitaux)<\/td>\n<\/tr>\n<tr>\n<td><strong>PDG :<\/strong><\/td>\n<td><a href=\"https:\/\/www.linkedin.com\/in\/eduards-lapkovskis\/\" target=\"_blank\" rel=\"noopener\"><strong>Eduards Lapkovskis<\/strong><\/a> (D\u00e9cembre 2016)<\/td>\n<\/tr>\n<tr>\n<td><strong>Vote de la Communaut\u00e9 :<\/strong><\/td>\n<td>1 sur 30 | <a href=\"https:\/\/rethink-p2p.de\/p2p-kredite-community-voting-2025\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Voir les Votes<\/strong><\/a><\/td>\n<\/tr>\n<tr>\n<td><strong>Rendement Attendu :<\/strong><\/td>\n<td>Jusqu&#8217;\u00e0 13 %<\/td>\n<\/tr>\n<tr>\n<td><strong>Type de Pr\u00eat Principal :<\/strong><\/td>\n<td>Pr\u00eats \u00e0 la Consommation<\/td>\n<\/tr>\n<tr>\n<td><strong>Garanties :<\/strong><\/td>\n<td>Garantie de Rachat<\/td>\n<\/tr>\n<tr>\n<td><strong>Bonus :<\/strong><\/td>\n<td><strong><a href=\"http:\/\/bit.ly\/rethinkp2p-fr-viainvest\" target=\"_blank\" rel=\"noopener noreferrer\">1 % de Cashback | 90 Jours<\/a><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><strong>Pourquoi Viainvest est-elle une bonne alternative \u00e0 Bondora ?<\/strong><\/p>\n<p>\u00c0 l\u2019instar de la plateforme Bondora (Bondora Group AS), Viainvest dispose \u00e9galement d\u2019une grande soci\u00e9t\u00e9 m\u00e8re bien \u00e9tablie \u2013 le groupe VIA SMS. Fond\u00e9 en 2009, il offre un historique tout aussi long, bien que la plateforme P2P elle-m\u00eame n\u2019ait \u00e9t\u00e9 lanc\u00e9e qu\u2019en 2016.<\/p>\n<p>Si les r\u00e9sultats commerciaux n\u2019ont pas toujours \u00e9t\u00e9 positifs chaque ann\u00e9e, le groupe VIA SMS a g\u00e9n\u00e9ralement \u00e9t\u00e9 rentable au fil du temps. Leurs standards de reporting ont \u00e9galement \u00e9t\u00e9 r\u00e9guli\u00e8rement solides.<\/p>\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Viainvest-Avis-P2P-1-1.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-26126 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Viainvest-Avis-P2P-1-1.jpg\" alt=\"Alternative-Bondora-Viainvest\" width=\"800\" height=\"200\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Viainvest-Avis-P2P-1-1.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Viainvest-Avis-P2P-1-1-300x75.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Viainvest-Avis-P2P-1-1-768x192.jpg 768w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/200;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-26126\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Viainvest-Avis-P2P-1-1.jpg\" alt=\"Alternative-Bondora-Viainvest\" width=\"800\" height=\"200\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Viainvest-Avis-P2P-1-1.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Viainvest-Avis-P2P-1-1-300x75.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Viainvest-Avis-P2P-1-1-768x192.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/noscript><\/a><\/p>\n<p>On retrouve \u00e9galement plusieurs points communs dans le mod\u00e8le commercial : comme Bondora, Viainvest finance principalement des pr\u00eats \u00e0 la consommation non garantis destin\u00e9s \u00e0 des emprunteurs europ\u00e9ens. Toutefois, contrairement \u00e0 Bondora, ces pr\u00eats sont assortis d\u2019une garantie de rachat, qui se d\u00e9clenche apr\u00e8s 60 jours de retard de remboursement.<\/p>\n<p>Les investisseurs peuvent investir presque aussi passivement sur Viainvest, mais l\u2019outil Auto Invest permet quelques options de configuration. La dur\u00e9e des pr\u00eats commence \u00e0 90 jours, ce qui signifie que la plateforme ne peut pas rivaliser enti\u00e8rement avec Bondora en termes de liquidit\u00e9. En contrepartie, les pr\u00eats sont g\u00e9n\u00e9ralement propos\u00e9s \u00e0 des taux d\u2019int\u00e9r\u00eat de 10 % \u00e0 13 %, selon les conditions du march\u00e9 et l\u2019origine des pr\u00eats.<\/p>\n<div class=\"su-button-center\"><a href=\"http:\/\/bit.ly\/rethinkp2p-fr-viainvest\" class=\"su-button su-button-style-default\" style=\"color:#ffffff;background-color:#0aad27;border-color:#088b20;border-radius:8px\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color:#ffffff;padding:7px 22px;font-size:17px;line-height:26px;border-color:#54c668;border-radius:8px;text-shadow:0px 0px 0px #000000\"><i class=\"sui sui-check-circle\" style=\"font-size:17px;color:#FFFFFF\"><\/i> <strong>Inscrivez-Vous Sur<\/strong><strong> Viainvest (1 % de Cashback | 90 Jours)<\/strong><\/span><\/a><\/div>\n<p>Vous trouverez des informations suppl\u00e9mentaires dans mon <a href=\"https:\/\/rethink-p2p.de\/fr\/viainvest-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>avis sur Viainvest<\/strong><\/a>.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Alternative_a_Bondora_n%C2%B02_Monefit_SmartSaver\"><\/span>Alternative \u00e0 Bondora n\u00b02 : Monefit SmartSaver<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Monefit SmartSaver est une soci\u00e9t\u00e9 estonienne o\u00f9 les investisseurs trouveront l\u2019alternative la plus proche de Bondora Go &amp; Grow.<\/p>\n<div class=\"su-table su-table-alternate\">\n<table>\n<tbody>\n<tr>\n<td><strong>Lanc\u00e9e :<\/strong><\/td>\n<td>Novembre 2022<\/td>\n<\/tr>\n<tr>\n<td><strong>Nom Juridique :<\/strong><\/td>\n<td>Monefit Card O\u00dc (<a href=\"https:\/\/ariregister.rik.ee\/eng\/company\/11953111\/Monefit-Card-O%C3%9C?\" target=\"_blank\" rel=\"noopener\"><strong>LINK<\/strong><\/a>)<\/td>\n<\/tr>\n<tr>\n<td><strong>Si\u00e8ge Social :<\/strong><\/td>\n<td>Tallinn, Estonie<\/td>\n<\/tr>\n<tr>\n<td><strong>R\u00e9gul\u00e9e :<\/strong><\/td>\n<td>Non<\/td>\n<\/tr>\n<tr>\n<td><strong>Vote de la Communaut\u00e9 :<\/strong><\/td>\n<td>14 sur 30 | <a href=\"https:\/\/rethink-p2p.de\/p2p-kredite-community-voting-2025\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Voir les Votes<\/strong><\/a><\/td>\n<\/tr>\n<tr>\n<td><strong>Rendement Attendu :<\/strong><\/td>\n<td>Jusqu&#8217;\u00e0 10,52%<\/td>\n<\/tr>\n<tr>\n<td><strong>Type de Pr\u00eat Principal :<\/strong><\/td>\n<td>Pr\u00eats \u00e0 la Consommation<\/td>\n<\/tr>\n<tr>\n<td><strong>Garanties :<\/strong><\/td>\n<td>Non<\/td>\n<\/tr>\n<tr>\n<td><strong>Bonus :<\/strong><\/td>\n<td><a href=\"https:\/\/bit.ly\/rethinkp2p-fr-monefit\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>0,25 % de Cashback (90 Jours)<\/strong><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><strong>Pourquoi Monefit SmartSaver est-elle une bonne alternative \u00e0 Bondora ?<\/strong><\/p>\n<p>Monefit SmartSaver est exploit\u00e9e par le groupe Creditstar, une fintech fond\u00e9e en 2006 et bas\u00e9e en Estonie. Tout comme la soci\u00e9t\u00e9 m\u00e8re de Bondora, Creditstar op\u00e8re uniquement dans le secteur du pr\u00eat en Europe. Au c\u0153ur de son mod\u00e8le commercial se trouve le financement de pr\u00eats \u00e0 la consommation non garantis pour des particuliers.<\/p>\n<p>D\u2019un point de vue financier, Creditstar est \u00e9galement bien positionn\u00e9e. L\u2019entreprise est rentable depuis de nombreuses ann\u00e9es et d\u00e9clare des b\u00e9n\u00e9fices annuels de l\u2019ordre de quelques millions d\u2019euros.<\/p>\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Avis-2026-P2P.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-30121 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Avis-2026-P2P.png\" alt=\"Alternative-Bondora-Monefit-SmartSaver\" width=\"800\" height=\"200\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Avis-2026-P2P.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Avis-2026-P2P-300x75.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Avis-2026-P2P-768x192.png 768w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/200;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-30121\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Avis-2026-P2P.png\" alt=\"Alternative-Bondora-Monefit-SmartSaver\" width=\"800\" height=\"200\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Avis-2026-P2P.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Avis-2026-P2P-300x75.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Avis-2026-P2P-768x192.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/noscript><\/a><\/p>\n<p>Alors que les op\u00e9rations de Bondora sont financ\u00e9es uniquement par le pr\u00eat P2P, Creditstar dispose d\u2019une structure de financement beaucoup plus large. Depuis 2022, cela inclut \u00e9galement le produit Monefit SmartSaver.<\/p>\n<p>Sur SmartSaver, les investisseurs peuvent placer leur argent en quelques clics seulement. Le taux d\u2019int\u00e9r\u00eat est l\u00e9g\u00e8rement plus \u00e9lev\u00e9, \u00e0 7,5 %, tandis que la liquidit\u00e9 \u2013 compar\u00e9e \u00e0 Go &amp; Grow \u2013 est un peu plus restreinte. Actuellement, les investisseurs peuvent retirer instantan\u00e9ment jusqu\u2019\u00e0 1 000 \u20ac par mois, avec un d\u00e9lai d\u2019attente pouvant aller jusqu\u2019\u00e0 10 jours au-del\u00e0 de ce montant. L\u2019absence de garanties ou de m\u00e9canismes de protection est une autre caract\u00e9ristique commune aux deux plateformes.<\/p>\n<div class=\"su-button-center\"><a href=\"http:\/\/bit.ly\/rethinkp2p-fr-monefit\" class=\"su-button su-button-style-default\" style=\"color:#ffffff;background-color:#0aad27;border-color:#088b20;border-radius:8px\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color:#ffffff;padding:7px 22px;font-size:17px;line-height:26px;border-color:#54c668;border-radius:8px;text-shadow:0px 0px 0px #000000\"><i class=\"sui sui-check-circle\" style=\"font-size:17px;color:#FFFFFF\"><\/i> <strong>Inscrivez-Vous Sur Monefit (0,25 % de Cashback | 90 Jours)<\/strong><\/span><\/a><\/div>\n<p>Vous trouverez des informations suppl\u00e9mentaires dans mon <a href=\"https:\/\/rethink-p2p.de\/fr\/monefit-smartsaver-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>avis sur Monefit SmartSaver<\/strong><\/a>.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Alternative_a_Bondora_n%C2%B03_Mintos\"><\/span>Alternative \u00e0 Bondora n\u00b03 : Mintos<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mintos est la plus grande place de march\u00e9 de pr\u00eats \u00e0 la consommation en Europe. De plus, la soci\u00e9t\u00e9 propose \u00e9galement de nombreuses autres classes d\u2019actifs comme opportunit\u00e9s d\u2019investissement. Voici un aper\u00e7u de la plateforme.<\/p>\n<div class=\"su-table su-table-alternate\">\n<table>\n<tbody>\n<tr>\n<td><strong>Fond\u00e9e \/ Lanc\u00e9e :<\/strong><\/td>\n<td>Mai 2014 \/ Janvier 2015<\/td>\n<\/tr>\n<tr>\n<td><strong>Nom Juridique :<\/strong><\/td>\n<td>AS Mintos Marketplace (<a href=\"https:\/\/info.ur.gov.lv\/#\/legal-entity\/40103903643\" target=\"_blank\" rel=\"noopener\"><strong>LINK<\/strong><\/a>)<\/td>\n<\/tr>\n<tr>\n<td><strong>Si\u00e8ge Social :<\/strong><\/td>\n<td>Riga, Lettonie<\/td>\n<\/tr>\n<tr>\n<td><strong>R\u00e9gul\u00e9e :<\/strong><\/td>\n<td>Oui (Commission des March\u00e9s Financiers et des Capitaux)<\/td>\n<\/tr>\n<tr>\n<td><strong>PDG :<\/strong><\/td>\n<td><a href=\"https:\/\/www.linkedin.com\/in\/martinssulte\/\" target=\"_blank\" rel=\"noopener\"><strong>Martins Sulte<\/strong><\/a> (Mai 2014)<\/td>\n<\/tr>\n<tr>\n<td><strong>Vote de la Communaut\u00e9 :<\/strong><\/td>\n<td>3 sur 30 | <a href=\"https:\/\/rethink-p2p.de\/p2p-kredite-community-voting-2025\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Voir les Votes<\/strong><\/a><\/td>\n<\/tr>\n<tr>\n<td><strong>Rendement Attendu :<\/strong><\/td>\n<td>10,4 %<\/td>\n<\/tr>\n<tr>\n<td><strong>Type de Pr\u00eat Principal :<\/strong><\/td>\n<td>Pr\u00eats \u00e0 la Consommation<\/td>\n<\/tr>\n<tr>\n<td><strong>Garanties :<\/strong><\/td>\n<td>Garantie de Rachat<\/td>\n<\/tr>\n<tr>\n<td><strong>Bonus :<\/strong><\/td>\n<td><a href=\"http:\/\/bit.ly\/rethinkp2p-fr-mintos\" target=\"_blank\" rel=\"noopener\"><strong>25 EUR de Bonus<\/strong><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><strong>Pourquoi Mintos est-elle une bonne alternative \u00e0 Bondora ?<\/strong><\/p>\n<p>La plateforme Mintos, bas\u00e9e en Lettonie, a commenc\u00e9 ses activit\u00e9s en 2015, ce qui en fait l\u2019un des acteurs les plus exp\u00e9riment\u00e9s dans le domaine du pr\u00eat P2P.<\/p>\n<p>La principale diff\u00e9rence entre les deux plateformes r\u00e9side dans le mod\u00e8le commercial. Alors que Bondora g\u00e8re ses propres pr\u00eateurs, Mintos fonctionne comme une place de march\u00e9 pour des soci\u00e9t\u00e9s de pr\u00eat externes du monde entier. Cela offre une plus grande scalabilit\u00e9, ce qui explique pourquoi Mintos g\u00e8re le plus grand portefeuille d\u2019actifs d\u2019investisseurs parmi toutes les plateformes P2P europ\u00e9ennes.<\/p>\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Mintos-Avis-P2P.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-26117 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Mintos-Avis-P2P.jpg\" alt=\"Alternative-Bondora-Mintos\" width=\"800\" height=\"200\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Mintos-Avis-P2P.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Mintos-Avis-P2P-300x75.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Mintos-Avis-P2P-768x192.jpg 768w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/200;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-26117\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Mintos-Avis-P2P.jpg\" alt=\"Alternative-Bondora-Mintos\" width=\"800\" height=\"200\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Mintos-Avis-P2P.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Mintos-Avis-P2P-300x75.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Mintos-Avis-P2P-768x192.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/noscript><\/a><\/p>\n<p>Cela se traduit par une plus grande vari\u00e9t\u00e9 d\u2019opportunit\u00e9s d\u2019investissement, incluant des pr\u00e9f\u00e9rences g\u00e9ographiques, diff\u00e9rents types de pr\u00eats, ainsi que des \u00e9ch\u00e9ances \u00e0 court et long terme. Ces derni\u00e8res ann\u00e9es, d\u2019autres classes d\u2019actifs comme les ETF, l\u2019immobilier et les obligations ont \u00e9galement \u00e9t\u00e9 ajout\u00e9es.<\/p>\n<p>En termes de liquidit\u00e9, les investisseurs ont acc\u00e8s \u00e0 Mintos Smart Cash, o\u00f9 le capital est investi dans un fonds mon\u00e9taire g\u00e9r\u00e9 par BlackRock. Comme les rendements sont \u00e9troitement li\u00e9s aux taux d\u2019int\u00e9r\u00eat des banques centrales, les gains attendus sont nettement inf\u00e9rieurs \u00e0 ceux de Bondora Go &amp; Grow.<\/p>\n<div class=\"su-button-center\"><a href=\"http:\/\/bit.ly\/rethinkp2p-fr-mintos\" class=\"su-button su-button-style-default\" style=\"color:#ffffff;background-color:#0aad27;border-color:#088b20;border-radius:8px\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color:#ffffff;padding:7px 22px;font-size:17px;line-height:26px;border-color:#54c668;border-radius:8px;text-shadow:0px 0px 0px #000000\"><i class=\"sui sui-check-circle\" style=\"font-size:17px;color:#FFFFFF\"><\/i> <strong>Inscrivez-Vous Sur<\/strong><strong> Mintos (25 EUR de Bonus)<\/strong><\/span><\/a><\/div>\n<p>Vous trouverez des informations suppl\u00e9mentaires dans mon <a href=\"https:\/\/rethink-p2p.de\/fr\/mintos-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>avis sur Mintos<\/strong><\/a>.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Alternative_a_Bondora_n%C2%B04_TWINO\"><\/span>Alternative \u00e0 Bondora n\u00b04 : TWINO<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>TWINO est une plateforme P2P r\u00e9glement\u00e9e en Lettonie o\u00f9 les investisseurs peuvent obtenir jusqu\u2019\u00e0 12 % de rendement en investissant dans des pr\u00eats \u00e0 la consommation polonais. Voici un aper\u00e7u de la plateforme.<\/p>\n<div class=\"su-table su-table-alternate\">\n<table>\n<tbody>\n<tr>\n<td><strong>Fond\u00e9e \/ Lanc\u00e9e :<\/strong><\/td>\n<td>Ao\u00fbt 2015<\/td>\n<\/tr>\n<tr>\n<td><strong>Nom Juridique :<\/strong><\/td>\n<td>AS TWINO Investments (<a href=\"https:\/\/www.ur.gov.lv\/en\/legal-entity\/?id=44103143823\" target=\"_blank\" rel=\"noopener\"><strong>LINK<\/strong><\/a>)<\/td>\n<\/tr>\n<tr>\n<td><strong>Si\u00e8ge Social :<\/strong><\/td>\n<td>Riga, Lettonie<\/td>\n<\/tr>\n<tr>\n<td><strong>R\u00e9gul\u00e9e :<\/strong><\/td>\n<td>Oui (Commission des March\u00e9s Financiers et des Capitaux)<\/td>\n<\/tr>\n<tr>\n<td><strong>PDG :<\/strong><\/td>\n<td><a href=\"https:\/\/www.linkedin.com\/in\/helvijs-henselis-74971ba5\/\" target=\"_blank\" rel=\"noopener\"><strong>Nauris Bloks<\/strong><\/a> (Avril 2025)<\/td>\n<\/tr>\n<tr>\n<td><strong>Vote de la Communaut\u00e9 :<\/strong><\/td>\n<td>21 sur 30 | <a href=\"https:\/\/rethink-p2p.de\/p2p-kredite-community-voting-2025\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Voir les Votes<\/strong><\/a><\/td>\n<\/tr>\n<tr>\n<td><strong>Rendement Attendu :<\/strong><\/td>\n<td>Jusqu&#8217;\u00e0 12 %<\/td>\n<\/tr>\n<tr>\n<td><strong>Type de Pr\u00eat Principal :<\/strong><\/td>\n<td>Pr\u00eats \u00e0 la Consommation<\/td>\n<\/tr>\n<tr>\n<td><strong>Garanties :<\/strong><\/td>\n<td>Garantie de Rachat<\/td>\n<\/tr>\n<tr>\n<td><strong>Bonus :<\/strong><\/td>\n<td><strong><a href=\"https:\/\/bit.ly\/rethinkp2p-fr-twino\" target=\"_blank\" rel=\"noopener noreferrer\">Jusqu\u2019\u00e0 2 % de Cashback (90 Jours)<\/a><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><strong>Pourquoi Twino est-elle une bonne alternative \u00e0 Bondora ?<\/strong><\/p>\n<p>La plateforme P2P bas\u00e9e en Lettonie appartient \u00e0 SIA FINNO (anciennement SIA TWINO), fond\u00e9e en 2009. La cr\u00e9ation de la plateforme P2P, en 2015, s\u2019inscrit dans une chronologie similaire \u00e0 celle de Bondora. Alors que P\u00e4rtel Tomberg est PDG et actionnaire principal de Bondora, la soci\u00e9t\u00e9 m\u00e8re de Twino a \u00e9t\u00e9 fond\u00e9e par Armands Broks, qui en reste l\u2019unique actionnaire.<\/p>\n<p>Les parall\u00e8les entre les deux plateformes se retrouvent \u00e9galement dans leur concentration sur le financement de pr\u00eats \u00e0 la consommation non garantis, bien que Twino ait souvent tent\u00e9 de s\u2019implanter sur des march\u00e9s en dehors de l\u2019Europe \u2013 g\u00e9n\u00e9ralement sans grand succ\u00e8s.<\/p>\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/02\/Twino-Avis-2026-P2P-.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-31322 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/02\/Twino-Avis-2026-P2P-.png\" alt=\"Alternative-Bondora-TWINO\" width=\"800\" height=\"200\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/02\/Twino-Avis-2026-P2P-.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/02\/Twino-Avis-2026-P2P--300x75.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/02\/Twino-Avis-2026-P2P--768x192.png 768w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/200;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-31322\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/02\/Twino-Avis-2026-P2P-.png\" alt=\"Alternative-Bondora-TWINO\" width=\"800\" height=\"200\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/02\/Twino-Avis-2026-P2P-.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/02\/Twino-Avis-2026-P2P--300x75.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/02\/Twino-Avis-2026-P2P--768x192.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/noscript><\/a><\/p>\n<p>Il reste n\u00e9anmoins des opportunit\u00e9s d\u2019investissement avec un pr\u00eateur polonais bien \u00e9tabli. Les pr\u00eats sont propos\u00e9s \u00e0 un taux de 12 % sur une dur\u00e9e de 12 mois. Compar\u00e9 \u00e0 Bondora Go &amp; Grow, cela implique une liquidit\u00e9 moindre mais un potentiel de rendement attendu deux fois sup\u00e9rieur.<\/p>\n<p>D\u2019un point de vue financier, Twino a travers\u00e9 une phase mouvement\u00e9e et de consolidation sur plusieurs ann\u00e9es, principalement en raison d\u2019une strat\u00e9gie d\u2019expansion infructueuse d\u00e9but\u00e9e en 2017. Dans le m\u00eame temps, Bondora a construit une base financi\u00e8re stable ces derni\u00e8res ann\u00e9es et a d\u00e9pass\u00e9 Twino \u00e0 cet \u00e9gard.<\/p>\n<div class=\"su-button-center\"><a href=\"http:\/\/bit.ly\/rethinkp2p-fr-twino\" class=\"su-button su-button-style-default\" style=\"color:#ffffff;background-color:#0aad27;border-color:#088b20;border-radius:8px\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color:#ffffff;padding:7px 22px;font-size:17px;line-height:26px;border-color:#54c668;border-radius:8px;text-shadow:0px 0px 0px #000000\"><i class=\"sui sui-check-circle\" style=\"font-size:17px;color:#FFFFFF\"><\/i> <strong>Inscrivez-Vous Sur TWINO (Jusqu\u2019\u00e0 2 % de Cashback | 90 Jours)<\/strong><\/span><\/a><\/div>\n<p>Vous trouverez des informations suppl\u00e9mentaires dans mon <a href=\"https:\/\/rethink-p2p.de\/fr\/twino-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>avis sur Twino<\/strong><\/a>.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion_Les_meilleures_alternatives_a_Bondora\"><\/span>Conclusion : Les meilleures alternatives \u00e0 Bondora<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>En analysant les diff\u00e9rentes plateformes P2P, Viainvest et Monefit SmartSaver se distinguent comme les alternatives \u00e0 Bondora les plus comparables sur le march\u00e9 P2P actuel.<\/p>\n<p>En termes d\u2019historique, de mod\u00e8le commercial et de stabilit\u00e9 financi\u00e8re, Viainvest pr\u00e9sente le plus fort recoupement avec Bondora. De son c\u00f4t\u00e9, Monefit SmartSaver propose des fonctionnalit\u00e9s de produit les plus proches de Bondora Go &amp; Grow.<\/p>\n<p>Vous n\u2019avez toujours pas trouv\u00e9 la solution adapt\u00e9e ? Ceux qui souhaitent explorer des alternatives \u00e0 Bondora au-del\u00e0 des plateformes P2P list\u00e9es ici peuvent consulter ma page de <a href=\"https:\/\/rethink-p2p.de\/fr\/avis\/\" target=\"_blank\" rel=\"noopener\"><strong>revues de plateformes P2P<\/strong><\/a> pour d\u00e9couvrir d\u2019autres options.<\/p>\n<p><!-- \/wp:yoast\/faq-block --><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":30046,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[337],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Les meilleures alternatives \u00e0 Bondora (2026)<\/title>\n<meta name=\"description\" content=\"Quelles sont les meilleures alternatives \u00e0 Bondora dans le domaine du pr\u00eat P2P ? 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