Consumer loan

Exchange rates

as of 09/01/2025 12:34:28

Cash payment

Non-cash payment

Selling rate

1.96100

1.96000

Buying rate

1.94800

1.94900

BNB fixing

1.95583

Cash payment

Non-cash payment

Selling rate

1.93800

1.93500

Buying rate

1.85400

1.85600

BNB fixing

1.89794

Cash payment

Non-cash payment

Selling rate

2.39900

2.39400

Buying rate

2.27400

2.27800

BNB fixing

2.33370

Cash payment

Non-cash payment

Selling rate

2.12400

2.12200

Buying rate

2.03000

2.03200

BNB fixing

2.08133

Advantages

No payroll
Bonus Credit card

Currency	BGN
Tenor	Up to 10 years
Amount	Up to BGN 120 000*
Interest rate	Variable interest rate

Example

APR 5.73% for a loan of BGN 20,000, for a term of 60 months, variable interest rate 5.10% (RIR* + 4.85% fixed margin) is calculated for the entire period, calculated with a monthly fee on a current account servicing the loan - BGN 4.50. The total amount due will be BGN 22 970.50 with equal monthly installments of BGN 378.34.

APR 6.05% for a loan of BGN 20,000, for a term of 60 months, variable interest rate 5.40% (RIR* + 5.15% fixed margin) is calculated for the entire period, calculated with a monthly fee on a current account servicing the loan - BGN 4.50. The total amount due will be BGN 23,136.05 with equal monthly installments of BGN 381.10.

APR 7.10% for a loan of BGN 20,000, for a term of 60 months, variable interest rate 6.40% (RIR * + 6.15% fixed margin) is calculated for the entire period, calculated with a monthly fee on a current account servicing the loan - BGN 4.50. The total amount due will be BGN 23,693.21 with equal monthly installments of BGN 390.39.

APR 7.42% for a loan of BGN 20,000, for a term of 60 months, variable interest rate 6.70% (RIR * + 6.45% fixed margin) is calculated for the entire period, calculated with a monthly fee on a current account servicing the loan - BGN 4.50. The total amount due will be BGN 23 861.96 with equal monthly installments of BGN 393.20.

*The interest rate is calculated upon UBB’s RIR of 0.25%.

I want a loan

levа

I want to repay the loan

mths

Salary-secured Loan

750.4

levа/month

5.64

Variable Interest Rate:

5.10%

Total Amount Due:

27176.22 levа

Non Salary-secured Loan

765.09

levа/month

7.01

Variable Interest Rate:

6.4%

Total Amount Due:

27705.15 levа

Parameters

Interest rate	5.10% variable interest rate (RIR + fixed margin of 4.85%) with payroll and income over BGN 1400 5.40% variable interest rate (RIR + fixed margin of 5.15%) with payroll and income up to BGN 1400 6.40% variable interest rate (RIR + fixed margin of 6.15%) without payroll and income over BGN 1400 6.70% variable interest rate (RIR + fixed margin of 6.45%) without payroll and income up to BGN 1400
Minimum tenor	6 months
Maximum tenor	10 years for loan amounts up to 80 000 BGN 7 years for loan amounts greater than 80 000 BGN
Amount	Up to BGN 120 000* *The maximum amount of the loan is determined on the basis of the client's individual profile, according to the Bank's requirements.
Collateral	No collateral
Loan Account Maintenance Fee	BGN 4.50 per month
Borrower's age	20 - 65 years

Interest (price) discounts on loans with variable interest rates may be applied individually for each contract depending on the customer profile and other products and services used by the borrower with UBB and the other companies of KBC Group in Bulgaria.

Required documents

Identity document
Consumer loan application form
Documents certifying liabilities with another bank

Print list

Useful documents

Tariff for Fees and Commissions for Individuals INTEREST RATES TARIFF FOR ACCOUNTS OF INDIVIDUALS Methodology for calculation and aplication of RIR Retail in effect as form 07.04.2023 Current RIR values according to the Methodology for calculation of the reference interest rate of UBB ad for loans to individuals in effect as from 07.04.2023 Tarifa-za-taksite-i-komisionite-po-krediti-na-fizicheski-litsa.pdf Obshta-informatsiya-za-predostavyane-na-potrebitelski-krediti-01-01-2025.pdf Spravka-deklaratsiya-za-mesechnoto-trudovo-vaznagrajdenie.pdf

Repay installment in UBB Mobile Repay installment in UPAY

Contact us

Visit a branch

Branch map

Send request

Ask us about the preferred product and we will give you the needed information.

Send request

Book a meeting

Book a meeting at convenient time and branch.

Branch meeting

Contact us

Offices and ATMs

Online/Mobile

Fees and terms