When you need additional funds
With "Easy Loan" overdraft on payment account, you have the opportunity to:
- Entirely remote process of applying, signing and disbursing the loan funds within minutes;
- Multiple use of the loan limit;
- Flexible repayment with no fixed repayment schedule.
You can take advantage of this loan if you are a Fibank customer with a debit card and you receive your monthly income on the debit card.
The amount of the overdraft is up to BGN 50,000 depending on your credit rating. Repayment is carried out automatically from all receipts on the account, and the amount used can be used again within the agreed period.
Bonus: Approved in advance overdraft for customers with consumer or mortgage loans from Fibank:
- If you are approved for a consumer or mortgage loan, you can also take advantage of a pre-approved overdraft* on a debit card in the amount of up to 3 of your salaries**, at 0% annual interest rate for the first year and standard interest rate for the rest of the period.
- The right to use a pre-approved "Overdraft at 0% annual interest for the first year" can be exercised only once.
* Depending on your individual credit rating.
** Not more than 25% of the consumer loan amount
Overdraft advantages:
- Security – you always have access to additional funds
- Optimizing the interest rate on the loan - you pay interest only on the amount used;
- Flexibility - the borrowed amount can be paid in installments that you determine yourself.
Additional interest rate discounts:
- 0.25% when using a bank package and electronic banking;
- 0.25% when using a credit card issued by Fibank, active electronic banking and at least one utility payment registered in electronic banking.