Category: Payday Loan Consolidation

Paying off payday loans -Help from online payday loan consolidation companies

Get help from online payday loan consolidation companies

If you check here, you will find payday loan consolidation, the ideal solution for unifying your payday loans in one installment. This loan is a loan designed to meet the needs of those who are in the position of having to face various debts.

It may happen that you request several loans, or you make many purchases in installments or you have taken advantage of a mortgage. You are in the position of having to pay numerous monthly installments, even of considerable amounts. Thanks to the Harrison debt consolidation it is possible to unify the amounts of all the installments, regardless of the purposes and deadlines, in a new loan.

Harrison offers a wide range of solutions to satisfy the needs of the whole family and for small and large projects. With Harrison it is possible to request a tailor-made refinancing, choosing a fixed rate for the entire duration of the loan with a rounded amount that is easy to remember. If you have several loans and want a single installment – choosing us.

Choose to refinance

By recalculating the amortization plan, Harrison debt consolidation offers economic peace of mind. There are several advantages, starting from a single monthly deadline or a less heavy and more diluted installment over time.

Consolidation of Harrison Debts

The Gandalf refinancing loan for the consolidation of Harrison debts is the ideal solution to consolidate its loans in one lighter installment. With debt consolidation, it is possible to extinguish all the loans activated both at Harrison and at other banks or financial institutions and to activate a more conventional loan. It is possible to request an amount from € 3,000 to € 50,000 and repay it in fixed-rate installments for a loan period of 36 to 120 months.

Who can request debt consolidation with Harrison?

The Harrison debts refinancing can be requested by those who want to pay off one or more loans stipulated also with various financial companies by opening a new loan with Harrison bank with the aim of paying a single monthly payment. There is also the possibility of obtaining an additional amount of liquidity. Being a personal loan, it is necessary that those requesting Gandalf Compact use the money obtained only for personal interests. It is not possible to use the money provided for professional activities related to one’s work.

The repayment of the loan will take place on a monthly basis through the payment of the installments through the automatic debit on the applicant’s current account. To obtain the loan, the client must present the necessary income guarantees to the bank. Should Harrison bank consider them insufficient, it may be useful to request a guarantee from a guarantor.

What documents are required to request Harrison refinancing?

The documents required to request Gandalf Compact are:

  • Identity document valid
  • Fiscal Code
  • Residence permit if foreign citizen
  • Income documentation (pay slip, single model or pension slip)

Harrison refinancing installment calculation

An example: Harrison Gandalf Compact Loan

Referring to the advertising information form that can be downloaded from, we have simulated a request for a € 40,000 loan with a 7-year repayment period (84 months), for debt consolidation purposes.

Required Amount € 40,000
Duration 84 months
Monthly installment € 703.97
TAN 11.90%
APR 12.98%
Initial expenses € 400.00
Total amount due € 59.567,96

The amount indicated above is the sum of the interest of € 19,133.48, of the preliminary investigation costs of € 400.00, of the stamp duty on the contract of € 16.00, of sending the annual summary document of € 4, 48 (unit cost € 0.64) and stamp duty on periodic accounts of € 14.00 (unit cost € 2.00).

Credit Loan and without Guarantee – Easy and Fast Loans

Consumer Loans

The need for a loan of up to BGN 30000 without a guarantor is formed by causes of a different nature. The serious amount we may need for current household duties, repair, furnishings, home finishing, buying home appliances, appliances, automobiles, family events, dream excursions, rest, treatment, education, refinancing, merging of loans, etc.

The decision to withdraw a loan of up to BGN 30000 should be secured with detailed information about the parameters, conditions, requirements offered by banks or financial companies. Our strive for a loan of up to BGN 30,000 is to make it profitable, useful, effective, fulfill its purpose, and to return smoothly, without delay, according to the repayment schedule. There are many criteria for successful credit.

We must consider, compare the advantages and disadvantages of the proposals of financial institutions to find our optimal option. We will introduce you to several credit offers up to BGN 30000, some of which are without a guarantee:

1. CENTRAL COOPERATIVE BANK – Standard Consumer Loan


  • Currency BGN or their equivalent in EUR or USD, up to BGN 30 000, repayment term up to 7 years.
  • Conditions of award: work on an open-ended contract of employment for at least 6 months with the last employer.
  • Preferential interest rate / irrespective of the currency of the loan / in the transfer of the salary in the bank, additional discounts on the interest on using a debit card or credit card, insurances to Armeec Insurance Company and other products of the bank.
  • 2 guarantors required.
  • There are no fees for absorption and credit management.
  • Detailed information by phone or at any office of the bank.

2. KLEAR – Consumer Loan without Guarantor


  • Funding up to BGN 30000, return period up to 5 years.
  • Terms of Loan: Regular Proven Income and Good Credit History.
  • Credit without guarantor, no wage transfer to the bank.
  • Consumer credit with fixed interest rate (depending on the individual circumstances of the borrower) and equal monthly installments.
  • A fee due when the funds are used.
  • There is no pre-term redemption fee.
  • No hidden costs.

3. BULGARIAN AMERICAN CREDIT BANK – Standard consumer credit with or without transfer of salary

3. BULGARIAN AMERICAN CREDIT BANK - Standard consumer credit with or without transfer of salary

  • Currency: BGN, up to BGN 30000, repayment term up to 10 years / 120 months /.
  • Collateral: wage and / or guarantee pledge (possibly without a guarantor)
  • Variable interest rate, formed by a basic interest rate and a flat-rate surcharge. Lower salary translation.
  • There is a one-off application and study fee due in two stages – when submitting the application and signing the contract.
  • There is no pre-term redemption fee.
  • Reimbursement method: choice between equal or declining monthly installments.

4. ALLIANCE BULGARIA – Consumer Loan

4. ALLIANCE BULGARIA - Consumer Loan

  • Currency BGN or Euro, up to BGN 30000, repayment term up to 120 months.
  • Individual credit terms depending on the credit rating of customers and creditworthiness requirements.
  • Variable rate, regardless of currency.
  • There are fees: for exploring and drafting a statement, a monthly fee for maintaining a current account and a fee for annual servicing of a credit card.

5. SIS CREDIT – Personal loan with collateral but without guarantor

5. SIS CREDIT - Personal loan with collateral but without guarantor

  • Amount of BGN 3,000 to BGN 30000, repayment term from 1 month to 2 years.
  • Free personal counseling.
  • Collateral: real estate: dwelling, UPI, agricultural land. It should not be weighted with weight.
  • Credit without proof of income and no guarantor.
  • Credit history of customers is not of prime importance for relaxation.
  • Reply for approval – up to 2 business days.
  • Repayment of monthly installments.
  • There is no charge for full or partial early repayment.
  • There are no fees for: applying and viewing documents without a monthly management fee, no valuation fee for properties.

Quick Credit Now: Online to Minutes Emergency Money

Emergency lending is a widely available and used service in our country. One of their main advantages is the speed of relaxation – answer in minutes – 5, 6, 7, 10, 15, 20 minutes and getting literally a fast credit now in a convenient way.

Make Money the quickest way, right away, the minute at urgent need. We’ll introduce you to suggestions from financial companies that give you money in the fastest way.


  • Approve up to 5 minutes and get the money right away.
  • 24 hours a day, no matter where you are.
  • Online application or by phone, for loans from a secure financial partner.
  • There is a grace period for repayment.
  • There are no hidden charges.
  • There is a possibility to extend the loan term by 7, 15 or 30 days, you can pay the amount due in parts.
  • Every first loan of up to BGN 700, returned for 15 days, has 0 BGN interest, without any cost.
  • The Company has a code of ethical responsibility for responsible lending, a member of the Association for responsible non-bank lending, with international experience in lending.
  • Credit products – Loan to pay – fast credit now from 50 to 700 BGN, repayment term from 5 to 45 days, Loan in monthly installments from 400 to 3 000 BGN, repayment term from 2 to 12 months.
  • Conditions for allocation: permanently living Bulgarian citizens aged 19 to 70 with income and pure credit history.
  • Loans are required to qualify for a loan, which must meet certain requirements or a bank guarantee from a Feratum partner bank.
  • You can always get an official document on the current status of your credit.



  • Approve up to 7 minutes, after online filling and submitting an application, you’ll get the money right away.
  • There are no application fees, no pre-term redemption fees.
  • Working hours – 24 hours a day, 7 days a week.
  • By yourself, you determine the amount you want, you specify the period for which you will return it – take advantage of the credit calculator for accurate calculations.
  • Protected personal data, ethical principles, committed lending, individual approach, satisfied customers.
  • Every first loan up to 600 BGN is free of charge free of charge, returned for 30 days, every seventh is also free of charge, returned within 15 days.
  • Two types of loans: Credisimo to a salary of 100 to 600 BGN, returned from 15 to 30 days and Creditxim plus 200 to 2 500 BGN, with a repayment term of 3 to 24 months.
  • Application conditions – be mature, have a valid ID and proven earnings.
  • You can refinance the loan, you can get a new one before you repaid the previous one, you can reschedule the loan in convenient small installments for a longer period.



  • Online application, money received the same day, translated 5 minutes after maximum approval.
  • Fast credit now up to 700 BGN, repayment term up to 45 days.
  • Loan without a labor contract – for all, regardless of the social situation, without proof of income.
  • Loans without any collateral – no guarantor, no guarantees.
  • There are no application and approval fees.



  • Approval for up to 6 minutes, fast credit now – Cash per day from 50 to 399 lv, Money back to 30 days and Credit line from 200 to 2 000 lv, you get the money instantly – cash at your office or bank account.
  • Online application, necessary documents – ID card.
  • Fixed interest.
  • Individual repayment plans.
  • For credit line, 2 individuals are required to meet the special requirements or a guarantee from a company chosen by the company for which you pay a fee.
  • Loans to unemployed, students, pensioners, women on maternity leave.
  • 0% Cess rate per day for every first loan to new customers who have applied online.



  • Online Apply, Instant Response, Get Money Right Now to Make Your Plans.
  • Affordable loans granted in mutual trust, amounting from BGN 800 to 70 000, repayment period of 6 to 96 months.
  • Fixed interest rate for the entire loan period, calculated only for the period of use of the money.
  • There are no hidden fees and commissions.
  • Fast credit without guarantor .
  • Individual approach and professional solutions for each of you.
  • Various credit products, some of which – non-auto-credits, debt consolidation credits.



  • Approval for up to 15 minutes by a robust international fast-paced company, you get the money the fastest way afterwards.
  • Effective loans ranging from BGN 10 to BGN 1,000 under favorable conditions.
  • Borrowing conditions – 19 years of age, cover the minimum credit requirements and provide correct information.
  • Fast credit now without guarantors, do not need guarantors.
  • There are no hidden fees, there are no registration and money transfer fees.
  • No Visits to Offices – Online Online Application.
  • No weekends, seven days a week and public holidays.
  • The first loan is 0 BGN interest, with 0 BGN taxi, you return as much as you have taken.



  • Flexible credits, with approval and allocation for a few minutes, up to BGN 1,500, a company with long experience in the credit market.
  • Credit calculator and calculations to details to help you know in advance, how much you owe, principal and interest.
  • No hidden interest and charges.
  • Conditions for relaxation – age from 18 to 65 years and good credit history.
  • Every first loan of up to BGN 500 is repaid within 30 days – no interest, no fees, no cost.
  • Repayment of equal monthly installments.
  • You can withdraw an additional amount to an active credit.



  • Round-the-clock with approval within 10 minutes, you will receive the money instantly on a bank account or at a safe house in Easypay.
  • Easy and fast online application, credit only against ID card , credits from 50 to 3 000 BGN, repayment term up to 12 months.
  • Conditions for release – Bulgarian citizens aged 18 and over with good credit history and sufficient income to repay the loan.
  • 0% interest on each first loan up to 700 BGN, returned up to 15 days.
  • You may make partial payments before the due date, you may extend the repayment term.



  • Approval and opinion on a loan of 5 to 20 minutes.
  • You decide and choose the amount you need from 50 to 1000 BGN, within a comfortable timeframe of up to 12 months.
  • There are no hidden interest and charges.
  • Application requirements – to be Bulgarian citizens who have reached the age of 18 with a bank account.
  • Applying and signing the fast credit agreement now – fully online.
  • Credit collateral – you need a guarantor to meet certain requirements if you fail to secure – you pay a penalty.



  • Approval for up to 10 minutes for transparent credits from 50 to 700 BGN, returned for a period of 5 to 45 days, on the territory of the whole country, for maximum utilization of the money in the manner specified by you.
  • Easy on-line application procedure, minimum documents.
  • Application conditions – Permanently living in our country citizens who have reached the age of 18 with a valid identity card.
  • You are in advance aware of the amount of the entire amount you owe.
  • Credit collateral – an individual to secure your loan, or a partner of the creditor.

6 Free Online Loans: and No Income, Fast and Easy

In order to get credit, banks and most financial companies require an employment contract, but there are now many options for easy and fast online credits without a contract, without proof of income, with only an ID card and approval in minutes, and you do not get off the computer.

Not just a loan to a salary but also a loan on a larger amount can be paid without a labor contract. The application process is entirely on-line through the company’s website for urgent and fast online credits.

1. Micro credit – CrediHome

  • Online credit, you claim at any time of the day, without a contract requirement, a loan without proof of income.
  • An amount of 200 to 3000 BGN , repayment term from 9 to 48 weeks or from 3 to 12 months.
  • Loan for Bulgarian citizens aged 18 and up only against identity card.
  • No collateral is required, no guarantors are sought.
  • The application is free of charge; in case of early repayment you do not owe any penalties and future interest.
  • Interest is fixed. It depends on the amount and the repayment term.
  • You get the money in cash.
  • Professional service from a personal credit consultant.
  • Contribution credit – repayment installments are equal.
  • A Certificate of Credit Liability is issued.


  • Online credits without a contract and fast loans up to 4000 leva .
  • Your request is handled instantly and your money is up to you by bank transfer or EasyPay.
  • Unlimited loans – loans for unemployed , people on maternity leave, retirees or self-employed do not have to declare income.
  • Loan from 50 to 1000 BGN for 45 days and Loan in installments from 400 to 4 000 BGN for a period of up to 12 months.
  • Conditions for allocation: Bulgarian citizens aged 18 to 70.
  • Loans without collateral.
  • Two major warranty options: If you can not offer a guarantor, you get a guarantee from the Feratum Bank.
  • Flexible repayment, tailored to financial capabilities – with the electronic calculator, you calculate exactly the contributions you owe.

3. Vivus

  • Online credit – you do not attend an office without requiring a contract.
  • Amount BGN 50 to 1300, repayment term up to 30 days.
  • Urgent online credits – approval within 15 minutes.
  • No guarantors and guarantors are required.
  • Borrowing conditions: Bulgarian citizens older than 19 years, provide all necessary information and cover minimum credit requirements.
  • Every first loan without interest , BGN 0 fee up to BGN 400, returned for 30 days.
  • There are no hidden charges. There are no application, award and management fees.
  • You can extend the repayment period, you can withdraw extra money, you can get a loan even if you already have one to another company.
  • Working time – 7 days a week, on public holidays and on weekends.

4. Free Loan

  • Online credit on the same day without a contract.
  • Up to 700 leva, repayment up to 45 days.
  • money on loan without proving income.
  • For all Bulgarian citizens: unemployed, retired, on maternity leave, self-employed.
  • Loan without collateral.
  • No application fees, your application is approved immediately.
  • You get the money directly on a bank account or at the Isi Pei Cashier.

5. Max Credit – Max Plan

  • Online credit without a contract, loan for all aged 21 to 75 years.
  • Size from 150 to 3000 leva. Maximum amount for first application 700 BGN.
  • You do not need to submit income documents.
  • Apply only with an ID card.
  • No guarantors are required.
  • You get the money within hours of approval, bank transfer, or office.
  • No additional fees and commissions.
  • The repayment is through two-week contributions – a maximum of 22, in an office, at a convenient time and place for you, by bank transfer, Easypay, Epay. You get a document with each payment.

6. Kits

  • Easy and fast online credits without a contract.
  • Amount BGN 50 to BGN 1000, repayment term up to 12 months.
  • Conditions for allocation: Bulgarian citizens over 18 years old, with a bank account and correctly submitted the requested information.
  • Approval up to minutes – from 5 to 20.
  • Free application, online signing of the contract.
  • No hidden interest and charges, no extra costs for early repayment.
  • Credit collateral: credit with one guarantor – individual (needs to meet a number of requirements in terms of employment, credit history, insurance income, etc.), which you must submit within 3 days after signing the contract.
  • You can extend the term of the loan against a fee depending on the number of days, you can refinance the loan if you have repaid 75% of the loan and you are a correct payer.

Generally, the employment contract is concluded between the employer, who ensures the conditions, determines the nature and place of work, and the worker carries out the job. Still, many food seeks urgent online credits without a contract.

The employment contract is always remunerated, the employer pays the agreed monthly salary – a salary on a certain date.

The employment contract and the resulting income are the main source of life for most people.

They are allocated to cover the family’s irreversible costs and remain for repayment installments on loans.

The existence of a labor contract, especially when it is indefinite, is a kind of guarantee, security for the creditor that the loan will return.

It is important to note that contract workers are charged and paid contributions that provide support for the unemployed and disabled due to various social risks – long-term illness, occupational accidents, occupational disease, maternity, retirement age and other .

Imported insurance guarantees payment by the social security system, another is the question of its size.

Imported insurance guarantees payment by the social security system, another is the question of its size.

Credit risk for banks and financial corporations is significantly lower when the borrower has a contract and they are willing to lend at a more advantageous and favorable rate.

The employment contract guarantees income stability and sustainability. It is difficult to find credit without requiring a contract, banks do not grant such. As you have seen, there are a lot of suggestions for fast and urgent online credits without a contract, without proof of income and only with an ID card.

Delegation of Payment State and Public Employees | Credit Loan



The Delegation of Payment is a loan or form of financing that you pay, as well as the sale of the fifth, always through your salary.

The delegation of payment is a loan that can be evaluated even in the presence of a sale of the fifth in progress . This type of financing, in fact, is normally accompanied by the first deduction present in the pay slip and is often called “double fifth” by virtue of the fact that the amount of the maximum installment that can be evaluated also in this case cannot exceed one fifth of the net salary .

Click here for information on the maximum amount that can be obtained with this type of Loan

Click here for information on the maximum amount that can be obtained with this type of Loan

As well as the salary-backed salary , the customers to whom the loan with payment delegation is addressed are employees with permanent contracts

  • state employees
  • public employees
  • municipal employees
  • private employees

here too, it will not be possible to evaluate the delegation of payment for freelancers and in this case also the pensioners for whom it is foreseen, exclusively, the possibility of requesting a loan with a charge of only one fifth to be withheld on the pension.

Are you an employee? To receive a free, no-obligation quote Click here

Are you an employee? To receive a free, no-obligation quote Click here

The practical procedure, even if at a different regulatory level, is similar to that of the salary-backed one.

As mentioned also for private and municipal employees it is possible to evaluate the delegation of payment to employees , it must be emphasized that the evaluation that is made for a private and municipal delegation is not the same as that of state and public employees, in this case it goes also verified the private or parapublic administration for which the employee works.

A fundamental characteristic of this loan with a delegation of payment , which in most cases concerns state employees, is that an agreement has been signed and is in place between the Ministry of belonging and the Financial Institution or the Bank that is providing the loan. .





Money Money without Guarantor: Quick Online Loans More Today

Payday Loan Consolidation


Those who are looking for fast online unsecured loan money will already find a huge variety of such offers in fast-paced companies. On this page we have selected one of the fastest and most urgent loans without guarantors, no collateral and no pledge.

They pay easy money to pay for small amounts (200, 300, 500, 600 BGN) or quick credit for bigger amounts (1000, 1500, 2000, 2500, 3000, 4000, 7000 leva, etc.) with minimum documents and requirements.


  • Very fast approval – only up to 15 minutes.
  • 3 easy steps – register, apply and receive the money.
  • Loan amount: from 50 to 1000 BGN
  • You have the opportunity to extend the loan term.
  • You can also download an extra amount of money if you need it and the first credit will not reach you.
  • Money on loan without guarantor and no guarantors.
  • Interest free first credit , you return as much money as you have taken from the company.
  • One of the most famous and leading companies in Bulgaria for easy online loans.
  • You get the money wherever you are – for all the cities of Bulgaria.
  • After approval, the company immediately orders the money on your account. They can only come to you for a few minutes.
  • Working time – 7 days a week and weekends and public holidays.


  • Fast and easy credit wherever you are in Bulgaria.
  • Any first credit with 0% interest if you return it in a 30 day grace period.
  • Fully free application – no additional fees and no paid CMCs
  • Extremely fast approval – up to 7 minutes.
  • You can claim credit online wherever you are – across the country.
  • Products: Credissimo to pay – online loan up to 600 leva ; Credissimo plus – fast consumer credit up to 2500 leva , with the payment of equal monthly installments up to 24 months.
  • Once you receive approval from the company, you can receive the cash immediately from a cash desk at FastPay or EasyPay. You can also get the money on your bank account.
  • You do not have to look for a guarantor because Creditiso provides you with one – the company works with a subcontractor who can be a guarantor of your credits. Loan without a contract , only against a valid ID.
  • One of the fastest credit in Bulgaria.
  • The company also runs Saturday (10:00 to 18:00) and Sunday (10:00 to 17:00).

Smile Credit


  • Fast online credits up to 1500 BGN
  • Every first loan up to 1500 leva without interest and no cost if you return it within one month. No interest, no fees. You are returning as much money as you have.
  • Very fast approval – only up to 20 minutes – money for urgent needs.
  • Fast money on loan without a guarantor for the whole country with online application.
  • Products: Credit to salary – Emergency money to pay from 50 to 500 BGN without guarantor; Loan in installments from 600 to 1500 BGN without guarantor.
  • Make money up to minutes and apply with just 4 easy steps and clicks.
  • You get the money on your bank account or at any of Easyype’s offices.
  • Good opportunity to refinance fast online loans .
  • No offices, no boots and no counters, everything is online, easy and fast.

Texim Bank

  • For those looking for fast credit from banks , Texim Bank offers some of the fastest and easiest loans.
  • Consumer loans without guarantors with approval within just 2 hours.
  • Bank credit without a requirement for wage transfer.
  • Maximum loan amount – 7000 BGN or 3500 euros.
  • Repayment term of the loan – up to 7 years.
  • Payments in equal monthly installments.
  • A fee is required for consideration of your credit application and approval – 1% (max. 350 BGN or 180 EUR) on the amount of the consumer credit. (The fee is payable only upon signing the credit agreement.)
  • No fee for early repayment of the loan.
  • You have the option of life insurance – at your request and at your own expense.
  • The money is settled within the working day following the conclusion of the loan agreement.
  • Requirements for obtaining the loan: Employer’s declaration and a copy of the ID card. No requirements for guarantors.
  • Convenient credits – you can apply by phone, online or in an office of the Bank.

Net Credit

  • And Net Credit offers every first loan without interest.
  • The company is also working on a Saturday. Sunday is only a day off.
  • You get the money on loan today without waiting.
  • Products: Credit up to 500 BGN ; Contribute credit entirely online via the internet.
  • The whole procedure is very easy and completely online – without paper contracts and no visit to an office.
  • After approval, you get the money from the loan within a few minutes – in an urgent need of money.
  • Application conditions: be between the ages of 18 and 65 and have a valid ID card – loan money without a guarantor.
  • They offer loans available throughout Bulgaria – no matter which city or region.
  • You understand if you are personalized by email or SMS that your company sends you.
  • Possibility of receiving an additional amount before repaying your old loan to them.
  • Receive money: via bank transfer or at the eAsaypay Fund.
  • A modern and fast online microcredit service.

Free Loan

Free Loan

  • Free Loan is a service of Feratum – one of the leading online fast credit companies in Bulgaria.
  • Fast money to pay – for small amounts up to 700 leva .
  • Repayment term – up to 45 days.
  • Fast money on loan without guarantor, without collateral, without proof of income and only against identity card.
  • Emergency loans for unemployed, women in maternity, retired or self-employed.
  • Very easy to apply online only by filling in the online application form.
  • Money can be with you today – after approval, the company directs the amount directly to your bank account or EasyPay.
  • As the company works with most of the largest banks in Bulgaria, the money may be for you in less than 5 minutes.