Consumer loan for combining and refinancing of obligations

Reduce the family budget by combining your credit obligations

Resrart consumer loan offers you the opportunity to combine and refinance your credit obligations to other financial institutions on preferential terms:

  • you pay one, lower monthly installment on a single date in one bank;
  • the opportunity to get additional funds to implement your plans;
  • you reduce your monthly expenses and you have more money than your monthly income.


  • high amount of loan granted - up to BGN 80,000 or the equivalent amount in EUR;
  • repayment term - up to 10 years;
  • no guarantor required;
  • against identity card only**;
  • free of charge when applying online***;
  • repayment in equal monthly installments;
  • no early repayment fee;
  • facilitated application procedure and quick response;
  • opportunity to conclude Tranquility with FiHealth Insurance to protect the loan.

* The annual interest rate is determined by the individual credit rating of each borrower. When applying online, you need to specify "Repayment of existing obligations" as the purpose of the requested loan.
** Depending on your individual credit rating, other documents may also be required.
*** Standard fee for examination of documents when applying at an office of the bank - BGN 25.

Loan parameters:

Amount Up to BGN 80 000 or the equivalent amount in EUR
Loan currency BGN, EUR
Repayment term Up to 10 years
Collateral No collateral is required
Interest rate conditions min. 4.94%, variable annual interest rate, formed on the basis of SBIR* + margin
Early repayment fee Not due
APR (annual percentage rate) 6.55% calculated at a loan amount of BGN 15,000, a repayment term of 84 months, at an annual variable interest rate of 4.94% for the total repayment period. The monthly installment at the indicated parameters and a fully utilized loan amount shall be BGN 211.59. The total amount due shall be BGN 18 616.05. The APR includes the charge for consideration of documents which is required and is at the expense of the Borrower.


You can apply for a Consumer Loan from Fibank AD in case you are:

  • А legally capable natural person with Bulgarian citizenship;
  • Work under a labour contract, or one of equal nature, for an indefinite term, or under a management and control contract; or practice a liberal profession;

If you meet the above requirements and would like to apply for a Consumer Loan, you have to:

  1. Visit a Fibank branch which is convenient for you to complete a “Loan Application Form” and attach the documents indicated in the form and those additionally requested by the loan inspector;
  2. Pay the Application Fee when submitting your application and the attached documents;
  3. If your application is approved, a Loan Contract is signed and the loan amount is transferred as a lump-sum within the term specified in the Loan Contract.