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Consumer Loan

  • Remote signing of agreements
  • Loan amount up to BGN 75,000
  • Application with ID card only
  • Response up to 2 hours within the working day


Consumer Loan




From 3 to 120 Months




Minimum amount


150 BGN

Maximum amount


75 000 BGN

Type of interest rate


At the option of the borrower:

  • Fixed for the entire credit period

  • Variable - set aside of interest rate index (ADI) plus a margin.

Interest conditions


Pricing parameters are consistent with:

  • Amount of the loan
  • Transfer of salary at UniCredit Bulbank



Without collateral Subject to individual assessment to the risk profile of the client

Fees and commissions


Fees and commissions The fee for the application of loan review is based on the consumer loan type and it is financed.

The consumer loan is provided by UNICREDIT CONSUMER FINANCING EAD. The monthly installment amount depends on the date of loan utilization and the selected maturity date.

Example: A consumer loan in the amount of BGN 41,000 for 120 months. A monthly installment of BGN 459 with floating AIR 5.09%, APR 6.27% and upon salary transfer and digital signing of the loan agreement.

The total amount due at the end of the loan period is BGN 55 080, including insurance of a total value of BGN 1986.00 for the entire term of the loan. Monthly premium under the insurance - BGN 16.53, which is included in the monthly installment. The loan insurance is not mandatory and is additionally provided at the customer's choice. In the event that no insurance is added to the consumer loan, other loan conditions apply. The interest rate is determined based on the selected repayment period, the signature method and the availability of loan insurance.

*Possibility for adding an insurance /protection/ to the consumer loan at the choice of the customer.

How to apply?

Documents Required

  • ID card only*

*UniCredit Consumer Financing reserves the right to require additional documents

Additional Information

Interest Methodology

Interest Indexes

Request Online

Fill out the short form and our consultant will contact you.

Call Telephone

0700 1 84 84 at the price of a city call

Bank Branch

Visit the nearest branch of UniCredit Bulbank.

Easily and entirely remotely:

  • Submit your request with a few clicks through the Bulbank Mobile application or contact a consultant at *2274
  • You will receive a customised offer in 2 hours during the business day

Apply now


It is simple to apply for a consumer loan

Apply for a consumer loan through Bulbank Mobile entirely remotely, with only a few clicks.

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