Consumer Loan Moments of Happiness

We are right by your side to support every important step on the path to priceless moments of happiness. Take our consumer loan Moments of Happiness now and bring joy to your loved ones.

Salary-secured consumer loan.




BGN 1,000 to 60,000



Loan term

Up to 7 years



  • High loan amount – up to BGN 60,000, depending on the customer’s financial profile.
  • Option of taking out a consumer loan without a guarantor.
  • Option of using direct debit.
  • Transparent pricing – Interest rate composed of the base interest rate (BIR) for the relevant calendar month + a fixed surcharge.
  • Option of paying the review and analysis fee in two instalments.
  • Loan with no early repayment fee.
  • Option of having a grace period on the principal – up to 3 months from the signing date of a bank loan contract.
  • Choice of repayment plan – annuities, decreasing instalments.
  • Clearly defined components of loan APR.
  • No requirement to take out payment protection or life insurance.


  • The loan applicant must have worked for their current employer for at least 6 months.

  • The loan applicant must receive provable regular income.

  • The loan applicant’s age must not be more than 65 years when the loan term expires.

  • Loan applicants who will be more than 65 years of age at the end of the loan term must secure a co-debtor on the loan who is over 18 when applying for the loan and will be below 65 at the loan maturity date.

How to apply

At a bank branch

Discuss the transaction with one of our consultants. Complete a loan application form and prepare the required documents.

Online enquiry

Complete the online enquiry form and one of our consultants will get back to you.

  • Copy of the loan applicant’s ID card.

  • Declaration regarding related persons – in the Bank’s standard form, if applicable.

  • The following must be submitted for any loan guarantors:

    • ID card copies

    • Standard form of the guarantor’s civil status and loan liabilities

  • Other documents, at the Bank’s discretion.