Editorial verdict
A simple way to access consumer-loan claims — not a deposit
Go & Grow suits investors seeking passive, automatically diversified exposure to consumer credit. Returns are capped at up to 6% p.a.; capital is at risk and returns are not guaranteed. Control over individual claims is delegated to the product. Convenience does not remove credit or liquidity risk.
What we like
- Returns of up to 6% p.a.; capital at risk and returns not guaranteed
- Automatic diversification
- Start from €1
- No annual management fee
- 18-year history and large scale
What concerns us
- Capital is not guaranteed
- Claims are unsecured
- No individual-loan selection
- Investor return is capped at 6%
- Withdrawals can move to Partial Payouts
How the model works
A pooled portfolio of unsecured consumer-loan claims
Go & Grow, operated by Go&Grow OÜ, automatically allocates funds across portions of consumer loans originated and serviced by Bondora AS. Go&Grow OÜ is not a credit provider and does not issue the loans. Investors see one balance and daily accrual but cannot select individual claims or set their own exit price.
Transfer money to the account.
Capital is allocated across loan fractions.
The balance may grow up to the published cap.
Withdrawals are handled through Go & Grow’s own liquidity process under the applicable terms; there is no secondary market for investors to sell claims.
The interface is designed to be simple, but investors own loan claims, can lose capital and have no guaranteed immediate access to funds.
Simplicity versus control
What you get — and what you give up
One pooled portfolio
Go & Grow manages diversification and reinvestment automatically.
- No manual selection
- Automatic reinvestment
- Daily accrual
Minimal maintenance
No filters or secondary-market monitoring are required.
- Start from €1
- Clear combined balance
- No management fee
No claim selection
Countries, ratings and individual borrowers cannot be excluded.
Capped upside
Returns are capped at up to 6% p.a., but the risk of loss is not capped symmetrically. Capital is at risk and returns are not guaranteed.
Returns and scale
Up to 6% p.a. on an automated consumer-loan investment product
The current published figures cited in the publisher toolkit are 500,000+ customers since 2008, €2.22bn+ invested in total and six European loan-origination markets. Scale is an operational signal, not a guarantee.
Capital is at risk. Go & Grow offers returns of up to 6% p.a.; returns are not guaranteed, and past performance does not guarantee future outcomes. Review the Risk Statement before investing.
Go & Grow offers automation and simplicity rather than individual-loan selection. Investors must decide whether returns of up to 6% p.a. compensate for unsecured credit risk. Capital is at risk and returns are not guaranteed.
Risk dashboard
Where the risk really sits
- High impactUnsecured consumer loans
Returns depend on borrower repayments and are not protected by a state guarantee fund.
- High impactLiquidity under stress
Withdrawals are handled through Go & Grow’s liquidity process. They may be delayed or split into Partial Payouts in exceptional conditions.
- MediumLimited control
Investors cannot choose borrowers, countries, ratings or an individual exit price.
- MediumPlatform and group risk
Portfolio management, servicing and exit valuation depend on the Go & Grow operator and Bondora Group.
Editorial methodology
Why the score is 8.8 out of 10
Withdrawals and real exit
A 24/7 request does not guarantee immediate payment
Withdrawal requests
Customers can request a withdrawal at any time, subject to applicable terms and liquidity conditions. Most withdrawals are completed within up to 3 business days, and a fixed €1 fee applies. The timing is not guaranteed.
Partial Payouts
It may not be possible to liquidate assets or withdraw money immediately. In rare and extraordinary situations, Go & Grow may split a withdrawal into daily partial payments until it is completed. The mechanism has been used once, during the pandemic.
Exit process
Go & Grow does not offer a secondary market. Withdrawals are handled through its own liquidity process under the applicable terms; investors do not sell claims or set an exit price.
Even when withdrawals are usually processed quickly, liquidity is not guaranteed. Do not use Go & Grow as an emergency fund.
Interactive scenario
Potential gross return
Illustration only; it is not a forecast. Capital is at risk, returns of up to 6% p.a. are not guaranteed, and actual returns may be lower. Taxes, the €1 withdrawal fee, delays and capital losses are excluded.
Context, not a ranking
Go & Grow compared with Income and Mintos
| Criterion | Go & Grow | Income | Mintos |
|---|---|---|---|
| Core model | One automated portfolio of loan fractions | Claims through contract/SPV structures | Regulated financial instruments |
| Control | No individual-loan selection | Lender and loan selection | Strategies and instrument selection |
| Published return | Up to 6% p.a.* | Up to 15% | Varies by product |
| Key risk | Unsecured claims and liquidity | Lender, contract and cashflow | Lender and instrument structure |
| Early exit | Product request; possible Partial Payouts | Secondary market | Conditional secondary market |
For Go & Grow, capital is at risk and returns of up to 6% p.a. are not guaranteed. Withdrawals are subject to applicable terms and liquidity conditions.
Frequently asked questions
Bondora Go & Grow FAQ
What return does Go & Grow offer?
Go & Grow offers returns of up to 6% p.a. Capital is at risk, returns are not guaranteed, and past performance does not guarantee future results. Review the Risk Statement before investing.
What are the fees?
There is no annual management fee. Each withdrawal has a fixed €1 fee.
Can I withdraw immediately?
A withdrawal can be requested at any time, subject to applicable terms and liquidity conditions. Most are completed within up to 3 business days, but timing is not guaranteed; Partial Payouts may apply in rare situations. A fixed €1 fee applies.
Is there a buyback guarantee?
No in the conventional marketplace sense. Capital invested in unsecured claims is not guaranteed.
Is Go & Grow a regulated investment product?
Go&Grow OÜ operates Go & Grow. The product does not fall under an existing investment-product regulatory framework. Bondora AS’s loan-origination and servicing activity is separate from the product’s regulatory status.
What is the minimum?
The official site states that investors can start from €1.
Verifiable data
Official sources and transparency
- Go & Grow — official product page: return, fees, minimum and scale (grow.eu)
- Go & Grow — official credit-risk, control and liquidity warning (grow.eu)
Final verdict
Go & Grow wins on simplicity — not the highest P2P return
It suits investors who value automation over control. Use it as a limited part of a diversified portfolio, not as a substitute for protected bank savings or an emergency reserve.