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We offer you

 Approval of the loan - within 2 hours!

■ No additional provisions - no guarantors, no transfer of salary

Convenience - option for applying over the telephone, on-line or in an office of the Bank!


Maximum amount

BGN 7 000 

or its equivalent in euro (EUR 3 500)

Annual interest rate - variable

Minimum 6.20%

It is set individually for each credit applicant depending on his income, liabilities, credit history and the parameters of the requested loan.


The annual interest rate is variable, formed by the Reference Interest Rate of the Bank (RIR) + a fixed premium.

Repayment Term

up to 7 years

up to 10 years in case of debt consolidation

Repayment Plan

by equal monthly instalments


2 hours


■ Loan application and credit approval fee: 1.00% of the approved loan amount (max. 350 BGN / 180 EUR) payable after conclusion of the loan agreement. 

 For an application filed through Customer Service Center over telephone numbers 1060* or +359 2/9 10 60, the credit applicant shall pay an application fee amounting to BGN 6.00 inclusive of VAT

*Available only from Bulgarian mobile network operators

 No early repayment fee

 No fee for accounts with debit card

Additional Services

A Life insurance policy by request and at the expense of the borrower

Credit Approval

The credit will be approved within the business day upon signing of the loan agreement


Documents Required

 Employer Declaration

 Copy of an ID

Representative example for Unsecured loan

Repayment Term

3 year

5 years

7 years

10 years

Amount of credit in BGN

Monthly installment in BGN

Monthly installment in BGN

Monthly installment in BGN

Monthly installment in BGN











AER (Annual Expense Ratio) 6.60% for an unsecured personal loan amounting to BGN 50 000 for a term of ten years with a floating interest rate of 6.20% with a one-off fee for processing the loan application and approval of credit transaction: 1.00%, fee for opening a bank account 1.00 BGN and monthly fee for maintainance 1.20 BGN. Total amount dew (principal, interest and fees) - BGN 67 711.40 at a monthly installment of BGN 560.14.