Consumer loan calculator

  1. Calculate installment
  2. Choose a contact method
  3. Send inquiry

Calculate your monthly installment

250 EUR
488.96 BGN 50 000 EUR
97 791.50 BGN
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3 Months 120 Months
Monthly installment
 
EUR
 
BGN
Total amount due
 EUR

 BGN
APR
%
Interest rate
%
Fees and other expenses
Monthly account fee
 EUR

 BGN

Loan protection insurance (monthly/included in the installment)
 EUR

 BGN

¹ When applying for a consumer loan, there may be a difference in the APR value, depending on the selected maturity date.

² The offer is valid with a floating interest rate, salary transfer, and digital signing.


³ The values presented in EUR and BGN are for the purpose of the double indication amounts, applying the official EUR/BGN exchange rate of 1.95583/1 and are rounded to the second decimal place.


⁴ The calculations are valid only for standard interest rate.

Choose a contact method

How do you prefer to be contacted?

¹ When applying for a consumer loan, there may be a difference in the APR value, depending on the selected maturity date.

² The offer is valid with a floating interest rate, salary transfer, and digital signing.


³ The values presented in EUR and BGN are for the purpose of the double indication amounts, applying the official EUR/BGN exchange rate of 1.95583/1 and are rounded to the second decimal place.


⁴ The calculations are valid only for standard interest rate.

Send inquiry

Personal information
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¹ When applying for a consumer loan, there may be a difference in the APR value, depending on the selected maturity date.

² The offer is valid with a floating interest rate, salary transfer, and digital signing.


³ The values presented in EUR and BGN are for the purpose of the double indication amounts, applying the official EUR/BGN exchange rate of 1.95583/1 and are rounded to the second decimal place.


⁴ The calculations are valid only for standard interest rate.

Characteristics

Terms

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From 3 up to 120 months

Currency

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EUR

Minimum amount

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250 EUR

Maximum amount

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50 000 EUR

Type of interest rate

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At the option of the borrower:

  • Fixed for the entire credit period
  • Variable - set aside of market interest rate index (HTDI) plus a margin.

Interest conditions

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Pricing parameters are consistent with:

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

Possibility for concluding an insurance

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with an insurance company partner of UniCredit Consumer Financing

Fees and commissions

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No fee

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.

*The interest rate of 4.44% is for floating interest rate valid under the following terms and conditions: For loans over 25 000 EUR/48 895.75 BGN, a salary transfer, an insurance and a digital signing of documents and gross insurance income equal to or above the maximum insurance threshold. Offer valid until 31.03.2026.

Example: A consumer loan in the amount of 26 000 EUR/ 50 851.58 BGN for 120 months and no review fee. A monthly installment of 280.38 EUR/ 548.38 BGN with a floating AIR of 4.44%, an APR of 5.92%, a salary transfer and a digital signature of the loan agreement.

The total amount due at the end of the loan period is 33 645,07 EUR/ 65 804.04 BGN, including insurance "Credit Protection Pakatage A" for the total amount of 371,60 EUR/ 2 682.62 BGN for the entire loan term. A monthly insurance premium of 11.43 EUR/ 22.36 BGN, 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 terms and conditions apply. The interest rate is determined based on the selected repayment period, the signature method and the availability of loan insurance. 

**According to the requirements of the Law on the Introduction of the Euro in the Republic of Bulgaria, for the purposes of dual display, amounts in leva have been converted into euro at the fixed exchange rate of 1.95583 BGN/EUR and rounded to the second decimal number. Rounding is based on the third digit after the decimal point: when the third digit after the decimal point is less than five, the second digit remains unchanged; when the third digit after the decimal point is five or greater, the second digit is increased by one.

How to apply?

 

 

  1. If you do not have an account with UniCredit Bulbank, download Bulbank Mobile application and become our customer entirely digitally.
  2. Activate the mobile application and go to the Request menu.
  3. Follow the steps in the app and sign the loan agreement through the app.

You can also apply for a consumer loan at  *2274 or at a branch of UniCredit Bulbank.

 

Documents and insurances

 

 

Documents Required

  • ID card only*

*UniCredit Consumer Financing reserves the right to require additional documents

 

Additional information

Frequently asked questions

 

A consumer loan is a loan type, deferred payment and any other similar type of payment facility over an extended period of time where the consumer pays for the value of the services by making periodic payments over the period of their provision.

The customer must be aged between 18 and 75 at the end of the consumer loan agreement, have a provable income in Bulgaria and a valid identity document.

By this process the terms and conditions of a current loan agreement are reviewed with a view to changing and updating them.

No guarantor of the loan is required at the time of application.

This is a national information register located and maintained by the Bulgarian National Bank, in which all loans utilized by companies and individuals in Bulgaria are recorded. Every bank, non-bank and financial institution in the country is required to provide the CCR with monthly information on all loans granted, overdue or repaid by its customers/payers. Everything related to the loans is recorded in the CCR - the amount of the active obligation, the payment status of the installments - if they are regularly repaid or not, when the obligation was repaid in full and whether there is a delay in payment.

The annual percentage rate charged on the loan shows the total costs on the loan to be paid by the consumer, present or future ones, as an annual percentage on the total amount of the loan granted.

If your salary is transfered to UniCredit Bulbank, you will benefit from a lower interest rate on the loan. It is not compulsory to have your salary transferred to the bank but if this is done, you will benefit from the most advantageous consumer loan conditions offered by UniCredit Bulbank.

There is no early repayment fee for consumer loans with a variable annual interest rate. For loans with a fixed annual interest rate, the customer pays an early repayment fee, which is 0.5% of the remaining debt on the loan, if less than one year remains until the repayment of the loan and 1% of the remaining debt on the loan, if more than one year remains until the repayment of the loan.

 

Learn more in our Help Center.

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