Consumer loan "Confidence"

• High loan amount - up to BGN 80,000 or its equivalent in EUR;
• Repayment term - up to 10 years;
• Protection through insurance with covered risks for death as a result of illness or accident, permanently reduced working capacity of more than 70%, as a result of illness or accident, unwanted unemployment or reduction in salary in case of foreseeable life events;
• No guarantor;
• Only against an identity card*;
• No fee when applying online**;
• Repayment at equal monthly installments;
• No fee for early repayment of the loan;
• Simplified application procedure and quick response;
• Bonus: When you are approved for consumer loan, you can also benefit from a pre-approved debit card overdraft of up to 3 of your wages, at 0% APR for the first year.

* Depending on your individual credit rating, other documents may be required.

** Standard application fee for requests submitted at the Bank's office - BGN 25.

Parameters

* Variable annual interest rate formed upon fulfillment of the following conditions:

• Transfer of salary;
• Credit card from Fibank, active electronic banking and at least one utility payment registered in electronic banking;
• Banking package with electronic banking;
• Insurance with covered risks: death as a result of illness or accident, permanently reduced working capacity of more than 70% as a result of illness or accident, unwanted unemployment or reduction of wages.

SBIR - "Savings-based interest rate" is a reference interest rate calculated for each individual type of currency according to a methodology announced by the Bank, used as a basis for calculating the variable interest rate on the loan applicable to the Agreement. The interest mark-up is calculated according to the individual credit rating of each borrower. In individual cases, the specific financing conditions determined by the Bank may differ from the amounts indicated above.