Кредити и Заеми с Лошо ЦКР

Any and Company

About this app

Do you have a bad CCR and think that no one will lend you money anymore? Here is an overview of credits and loans in Bulgaria — online credits, quick loans, consumer loans and offers for people with records in the registry — plus a calculator that shows the installment even before you apply.

💶 What you will find in the app

• Online loans and quick loans in Bulgaria
• Consumer loans from banks and non-bank companies
• Offers for people with a bad CCR or without proof of income
• Amounts, terms and requirements of each offer, explained in understandable language

🧮 Loan and loan calculator

Enter the amount, term and interest and the app immediately calculates:

• The approximate monthly payment
• Interest, fees and the total amount to be returned
• How much you save with early repayment
• How much you can afford according to your income
• Several offers side by side for comparison

This way you know how much the loan will cost you BEFORE you sign, not when the first payment arrives.

📋 What does bad CCR mean

The Central Credit Register at the BNB keeps the history of your payments. Registering there does not mean an automatic rejection: some companies look more at your current income, ask for fewer documents or start with a smaller amount until you get better. In the app, you can see what each offer requires and compare them before giving your details.

⚖️ Bank or non-bank company

Banks offer lower interest rates, but they check more thoroughly and decide more slowly. Non-bank companies respond quickly and ask for fewer documents, but the loan is more expensive. With a small amount for a few weeks, the difference in euros is often smaller than it seems - this is exactly what is worth calculating in advance.

⚠️ Before you withdraw

Always check the interest rate, fees, term, total return amount and, above all, the APR. The APR also includes fees, so if two offers look the same, it is precisely this that shows which one is really more expensive. From 2026, the amounts are in euros - compare them carefully, especially with older offers.

🛡️ Beware of scams and loan sharks

• No serious company asks for a fee in advance to "release" the loan.
• Stay away from loan sharks and anyone who pressures you, threatens you, or asks for access to your contacts and photos.
• Never give out SMS codes and card details.
• Check who the lender is before sending your documents.

ℹ️ Important information

This application is for informational purposes only and serves as a comparison. It is not a bank, lender, or other financial institution.

The application does not grant loans, does not transfer money, and does not guarantee approval of any application.

The calculations are approximate and do not constitute an offer, binding calculation, financial advice, or promise of approval.

The actual terms of each loan depend on the lender and the contract you sign with them.

This application does not represent a government agency or financial institution and is not affiliated with them. You can check the register of licensed financial institutions on the official website of the Bulgarian National Bank: https://www.bnb.bg

What’s new

• Кредити онлайн, бързи заеми и потребителски кредити на едно място
• Оферти за хора с лошо ЦКР или без доказване на доход
• Калкулатор за вноска, лихви и ГПР — пресмяташ преди да подпишеш
• Ново: колко спестяваш при предсрочно погасяване и колко можеш да си позволиш
• Нова икона, по-бързо приложение и поправки