Consumer Loan

Our Offer

Unlock Your Opportunities

The Consumer Loan is a quick, easy, and accessible way to acquire the funds you need for:

  • Housing Equipment Purchase;
  • Housing or Car Repairs;
  • Housing Appliance Purchase;
  • Payment of Education Fees;
  • Holiday Trips;
  • Medical Treatment;
  • Current Household Debts;
  • Family Events;
  • Or because you need money for unexpected payments.

The Consumer Loan from Fibank offers:

  • High loan amount - up to BGN 80 000 or their EUR equivalent;
  • Repayment term - up to 10 years;
  • No warrantor;
  • Repayment in equal monthly instalment;
  • Free of charge for online application*;

* Standard application fee for applications submitted at the Bank's office – BGN 25



Loan Parameters:

AmountUp to 80 000 BGN or their EUR equivalent
CurrencyBGN, EUR
Repayment TermUp to 10 years
Collateralnot required
Interest Conditions

The annual interest rate of the loan when the declared income is paid on an account with Fibank AD

for the total period of the loan term:

minimum of 5.20% **, annual interest rate based on SBIR + margin

The annual interest rate is determined by the client solvency and credit history and is determent by SBIR - Savings Based Interest Rate plus points.

    APR (Annual Percentage Rate of costs)

    6.89%, calculated at the amount of the loan being BGN 15,000; repayment term: 84 months, at a variable interest rate of 5.20% for the repayment term and the following expenses included: annual fee of the credit card: BGN 39, a package program with a monthly fee of BGN 3.50, and an annual insurance premium under the “Peace of mind with FiHealth” insurance amounting BGN 75.75. The monthly installment for the specified parameters and a fully utilized loan is BGN 213.35. The total due amount of payback is BGN 18,807.13.


    UtilizationThe loan is granted as a lump-sum
    Application feeBGN 25
    Grant feeFree of charge
    Prepayment FeeFree of charge


    ** A variable annual interest rate, formed on the basis of MTIR (mid-term interest rate according to the National Bank statistics) + surcharge, including discounts for salary transfer – 1%, when using a credit card with text (SMS) notifications – 0.25%, “Peace of mind with FiHealth” insurance – 0.20% and E-Banking Package – 0.10%.MTIR (mid-term interest rate) is a reference interest rate based on savings, calculated for each particular type of currency according to a methodology announced by the Bank. The interest surcharge is calculated according to the individual credit rating of each borrower. In individual cases, the specific financing terms set by the bank may differ from the values indicated above, or additional discounts may be applied different from the specified parameters.



    Application Procedure and Documents

    You can apply for a Consumer Loan from Fibank AD in case you are:

    • А legally capable natural person with Bulgarian citizenship;
    • Work under a labour contract, or one of equal nature, for an indefinite term, or under a management and control contract; or practice a liberal profession;

    If you meet the above requirements and would like to apply for a Consumer Loan, you have to:

    1. Visit a Fibank branch which is convenient for you to complete a “Loan Application Form” and attach the documents indicated in the form and those additionally requested by the loan inspector;
    2. Pay the Application Fee when submitting your application and the attached documents;
    3. If your application is approved, a Loan Contract is signed and the loan amount is transferred as a lump-sum within the term specified in the Loan Contract.



    If you would like to apply for a Consumer Loan from Fibank AD you have to provide the following documents:

    1. A "Loan Application Form";
    2. A copy of the identity card of the loan applicant / warrantor;
    3. A certificate for net income during the last six months of the loan applicant /the warrantor (it is not required in case that the borrower receives salary on an account with the bank);
    4. Documental proof of the property status (advisable);
    5. Copies of loan contracts, overdrafts, leasing contracts, warrants, etc. concluded by the loan applicant / warrantor, as well as the actual status of the debt as of the moment.
    6. Other documents at the Bank’s discretion.