Credit Loan and without Guarantee – Easy and Fast 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
- 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
- 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
- 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.