Skip to main content

Security report for bondora.ee

Bondora · Finance · Estonia

Medium risk. 5 critical or high findings in Security headers and SSL/TLS.

Security score

67/100

Risk levelMedium

0–100, higher is better. How it is calculated

Bondora is a well-established Estonian financial services company specializing in personal loans. The website presents a professional, user-friendly platform that facilitates quick loan applications with transparent terms and flexible repayment options. The company has a strong market presence with over 1.5 million applicants and 17 years of experience, positioning it as a trusted lender in the region. Technically, the site leverages WordPress with Bricks Builder, integrates modern web technologies, and employs robust cookie consent mechanisms to ensure GDPR compliance. Security posture is strong with HTTPS, anti-forgery tokens, and Cloudflare protections, although explicit security policies and incident response contacts are not publicly disclosed. Overall, the site demonstrates high professionalism, good privacy practices, and a mature digital infrastructure.

Scanned

NIS2 and GDPR posture

GDPR outside view
95/ 100 · Low
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

5 findings rated critical or high. Fix these first.

  1. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…
  2. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1
    • High

      Weak SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

Need hands-on remediation? Email guard@offseq.com

Keep watching bondora.ee

This scan found 25 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

Email alerts on material changes and an exportable JSON history of every change.

Billed monthly to your card. Cancel anytime. The full timeline opens with your unlock code.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
52
Security headers
15
Email security
75
DNS health
65
Network security
100
GDPR outside view
95
Average
67

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention bondora.ee, from OffSeq Breach.

Total records
2,682
Employees
0
Customers
2,682
Third parties
0
Weak passwords
10%

5 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for bondora.ee.

Select it in the checkout above.

Breach keeps ingesting new leaks, so these numbers can grow between scans.

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Bondora operates in the finance sector focusing on unsecured personal loans. Its business model centers on online loan origination and account management, targeting individual consumers primarily in Estonia. The company benefits from regulatory oversight by the Estonian Financial Supervision Authority, enhancing trust. The website's integration with multiple advertising and analytics platforms supports targeted marketing and customer insights. Bondora's ecosystem includes related domains for investor relations, customer support, and user account management, indicating a comprehensive service offering. The absence of direct contact emails or phone numbers on the main site suggests a preference for digital communication channels.

Security posture

The website exhibits a mature security posture with enforced HTTPS, presence of key security headers, and use of anti-forgery tokens in forms. Cookie consent is granular and compliant with GDPR, supported by CookieYes technology. The use of Cloudflare cookies indicates bot management and DDoS protection. However, the lack of a published security policy or vulnerability disclosure program limits transparency. No direct security contact or incident response information is provided, which could be improved to enhance trust and readiness. No vulnerabilities or exposed sensitive data were detected in the analysis.

Recommendations

  1. Publish a dedicated security policy page detailing security practices and compliance.
  2. Implement and publicize a vulnerability disclosure or security.txt file to encourage responsible reporting.
  3. Provide a direct security contact email (e.g., security@bondora.ee) for incident reporting.
  4. Regularly review and audit third-party cookies and trackers to ensure ongoing privacy compliance.
  5. Enhance transparency by listing the Data Protection Officer contact information.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Bondora
Description
Bondora offers personal loans quickly and easily online with transparent fees and flexible repayment options.
Key services
Personal loans, Online loan application, Digital contract signing, Account management
Content quality
excellent
Branding
consistent

Technology

Stack
WordPress, Bricks Builder, Typekit Fonts, Google Tag Manager, CookieYes Consent, Cloudflare (inferred from cookies)
Frameworks
ASP.NET MVC (server-side), WordPress CMS
Platforms
Web
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Anti-forgery tokens in forms
  • Cookie consent with granular controls
  • Session management cookies
  • Cloudflare bot management cookie

Analytics and tracking

Services
Google Analytics, Hotjar, Adobe Audience Manager
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Google DoubleClick, Media.net, Casale Media, Criteo, Bing Ads, Unruly Media
Tracking pixels
Facebook Pixel, Hotjar, Adobe Audience Manager
Marketing tools
RudderStack
Transparency
good

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is fully accessible with no blocking mechanisms.
  2. Strong cookie consent and privacy compliance mechanisms in place.
  3. Clear business focus on personal loans with transparent terms.
  4. Use of modern web technologies and CMS (WordPress with Bricks Builder).
  5. Multiple third-party analytics and advertising services used with consent.
  6. No direct security policy or incident response contact found.
  7. WHOIS data supports legitimacy and consistency with business claims.
Technical notes

Notes

The website is built on WordPress CMS using the Bricks Builder framework, ensuring a modern and responsive design. It employs Adobe Typekit fonts and integrates Google Tag Manager for analytics and marketing. The site uses ASP.NET MVC on the backend, indicating a hybrid technology stack. Performance is optimized with lazy loading and responsive design techniques. Hosting appears to be behind Cloudflare, providing CDN and security benefits. The site includes comprehensive SEO meta tags and Open Graph data for social media sharing. Accessibility features such as skip links and semantic HTML are present, contributing to a good user experience. Overall, the technical implementation is robust with opportunities to improve security transparency.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

Reviews of this site

Share your experience with bondora.ee. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review bondora.ee.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.