Standard Consumer Loan

Annual interest rate

The interest rate on the loan starts at

5.55%

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 Standard 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!

Collateral   

Pledge of salary* 
*  At the discretion of BACB a Guarantor may be required, too.

Repayment

• Аnnuity monthly installments or
• Decreasing monthly installments

Fees and Commissions

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