Revolving Consumer Loan

• NO application fee

• Discount on the fee for credit agreement 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

4.90%

and depends on the insurable earnings of the applicants, the salary transfer to a BACB account, the use of a credit card/opening IT'S ALL GOOD Deposit and the conclusion a SECURED Instalment Insurance.

The annual interest rate is variable, based on 6-month EURIBOR for EUR plus a fixed margin. As of July 01, 2025, the applied value of 6-month EURIBOR is 0.378.

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)

Collateral

Pledge of salary

Repayment

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

Revolving

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

• Annual service fee for VISA Classic credit card - BGN 40 (EUR 20.45) /when is applicable/
• NO early repayment charge