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  • NO application fee
  • Discount on the solvency assessment and approved fee for refinancing loans from other banks and financial institutions
  • Good things come in small percentages!

Annual interest rate

The interest rate on the loan starts at 4.20%

and depends on the insurable earnings of the applicants, the salary transfer to a BACB account and the use of a credit card.

By concluding a SECURED Instalment Insurance, BACB offers a further 0.50% discount off the interest rate.

The annual interest rate is variable, based on Base Interest Rate (BIR) for BGN plus a fixed margin. As of 01.07.2022, the applied value of BIR is 0.0 /zero/.



BACB revolving consumer loan enables you to finance utility bills; to purchase furniture, electronics, household equipment and appliances; to renovate your home or repair your car; to surprise a loved one; to visit your dream destination or simply make a dream come true!

Period of the loan agreement

Up to 5 years (60 months)


Pledge of salary


  • In monthly annuity instalments, or
  • In decreasing monthly instalments


Under certain conditions, upon the initial loan utilization, BACB allows subsequent multiple utilizations of the already repaid principal up to the original amount of the loan:

  • Total number of revolving utilizations – up to 5 times throughout the Loan Agreement period 
  • Request for a revolving utilization – upon expiration of 12 months since the last utilization (initial or subsequent)
  • Revolving utilization amount – lower than or equal to the repaid principal amount, as of the date of the request
  • New loan repayment period in case of revolving – equal to the original loan period

Fees and commissions

  • NO application fee
  • One-off solvency assessment and approval fee:
    - 0.50% of the loan amount (min 125 BGN) – for refinancing loans from other banks and financial institutions
     – 1.25% of the loan amount (min 125 BGN) – for a new loan

  • Annual service fee for VISA Classic credit card - BGN 35 /when is applicable/
  • NO early repayment charge

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