Primero / Mogo väikelaen vs Bondora and Credit24 (2026)
This comparison helps Estonian borrowers choose among Finantsinspektsioon-supervised unsecured lenders. Figures reflect public product pages; your individual KKM may differ. Always model identical amount and term — nominal interest alone misleads.
| Criterion | Primero / Mogo väikelaen | Bondora | Credit24 |
|---|---|---|---|
| Legal lender | Primero Finance OÜ (12401448) | Bondora AS | Credit24 AS |
| Amount | €300 – €10,500 | €100 – €20,000 | €50 – €10,000 |
| Term | 6 – 72 months | 6 – 120 months | 3 – 60 months |
| Collateral | Unsecured | Unsecured | Unsecured + credit line option |
| Finantsinspektsioon KAVS | Yes | Yes | Yes |
| Application channel (2026) | mogo.ee (+ legacy primero.ee redirect) | bondora.ee | credit24.ee |
| Mobile app | MyMogo (ee.mogo.app) | Web-first | Web-first |
| Decision speed (marketing) | ~30 minutes | Varies | Varies |
| Admin fee (advertised) | €0 | Check offer | Check offer |
| Credit bureau | Creditinfo | Creditinfo | Creditinfo |
Choose Primero / Mogo when you want a Baltic Eleving Group lender with native MyMogo management, same-day IBAN payout after digital signing, and a mid-range amount cap up to €10,500.
Choose Bondora when you need a longer maximum term (up to 120 months) or a higher ceiling (€20,000) and prefer a pure web workflow without a dedicated retail app.
Choose Credit24 when you may also use a revolving credit line alongside instalment loans, or your target amount sits below €300.
Shared YMYL rule: all three check Creditinfo and must disclose KKM before signing. Compare total repayment euros, not marketing slogans. Primero's illustrative app cap is 49.95% KKM — your binding offer may differ.
Portal note (2026): Primero-branded URLs still resolve for legacy customers, but new väikelaen submissions should use mogo.ee — verify you are on the official Eleving Group channel before entering your ID code. Support: info@primero.ee, +372 698 8444.
