Updated October 16, 2026 · BorrowCue Editorial Team
Abhi vs Easy Credit
Where Abhi and Easy Credit differ
| Compare |  Abhi |  Easy Credit |
|---|---|---|
| APR | 0%Lower | 47.85% |
| Term | 1 to 4 months | 6 to 36 monthsHigher |
| Funding time | Instant, about 30 seconds | Up to 24 hours after approval |
| Eligibility | Currently employed employees with a valid up to date NADRA-issued CNIC, e-mail address and mobile telephone number | 18 or older, permanently resident citizen of Bulgaria, valid ID card |
| Loan types | Cash advance, Personal, Credit line, Secured, Business, BNPL | Personal, Guarantor, Secured |
| Loan amount | Not confirmed | €150 to €9,000 |
| Arrangement fee | 0 PKR subscription fee; PKR 150 collection agency fee | Not confirmed |
| Representative example | Not confirmed | Изи Кредит: 200 EUR, 24 weekly instalments of 9.14 EUR, 6 months, total repayable 219.36 EUR, nominal interest 39.00%, annual cost 47.85% |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
Same on both: Credit check (Hard), Lender type (Direct lender).
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Key differences
- Abhi scores higher overall: 9.0 vs 8.9.
- Founded is lower at Easy Credit: 2005 vs 2021.
- APR is lower at Abhi: 0% vs 47.85%.
- Term is higher at Easy Credit: 6 to 36 months vs 1 to 4 months.
- Support channels: only Abhi offers Email.
- Support channels: only Easy Credit offers Chat, Help centre.
- Loan types: only Abhi offers Cash advance, Credit line, Business.
- Loan types: only Easy Credit offers Guarantor.
Our verdict on each
Abhi
Abhi presents salary access, payroll and business finance services.
Easy Credit
Easy Credit is a Bulgarian direct lender offering personal, guarantor and secured loans of €150 to €9,000, and it suits borrowers who want a fixed rate, free early repayment and money Up to 24 hours after approval.
Score breakdown
| Area | Abhi | Easy Credit |
|---|---|---|
| Cost | 9.9Higher | 8.7At 47.85%, the annual rate sits far above the 12% site median on personal loans, so cost scores low. |
| Offer | 8.3 | 8.9Higher |
| Trust | 8.7 | 9.1Higher |
Ranges side by side
| Fact | Abhi | Easy Credit |
|---|---|---|
| Term | 1 to 4 months | 6 to 36 months |
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% for Abhi and 47.85% for Easy Credit.
FINANZCHECK.de reviewHow they place
| Ranking | Abhi | Easy Credit |
|---|---|---|
| Personal loans | 646 of 1920 | 799 of 1920 |
| Secured loans | 178 of 473 | 238 of 473 |
Every fact side by side
| Fact | Abhi | Easy Credit |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | ABHI (PRIVATE) LIMITED | Izi Asset Management AD (Изи Асет Мениджмънт АД), EIK 131576434 |
| Headquarters | Pakistan | Bulgaria |
| Founded | 2021 | 2005Lower |
| Support channels | Email, Phone | Phone, Chat, Help centre |
Where each stands against the rest
| Fact | Abhi | Easy Credit | Median |
|---|---|---|---|
| APR | 0%lowest quarter | 47.85%highest quarter | 8.99% |
| Loan amount | Not confirmed | €150 to €9,000below the median | €40,000 |
| Term | 1 to 4 monthslowest quarter | 6 to 36 monthsbelow the median | 60 |
Median across 1152 listed lenders.
Pros and cons
Abhi
Pros
- The captured source states the provider or product information summarized here.
Cons
- The captured statement does not establish eligibility or loan terms.
Easy Credit
Pros
- Fixed rate on every loan (fixed), so instalments hold steady across the term.
- Funding Up to 24 hours after approval, and free early repayment if you settle sooner.
- Regulated by the Bulgarian National Bank as a non-bank financial institution, licence BGR00009.
Cons
- Cost is the weak point: the annual rate is 47.85% against a site median of 12% on personal loans.
- The credit check is hard, so an application can leave a mark on the credit file.
- Loan sizes run €150 to €9,000 and terms 6 to 36, so it cannot cover a large, long borrowing.
Who each suits
Abhi
Who it suits
- Readers looking for the limited background stated in the captured source.
Easy Credit
Who it suits
- Bulgarian residents with a valid ID card who need a loan of €150 to €9,000.
- Borrowers who want a fixed rate and can clear the debt early without charge.
- Anyone who needs the money Up to 24 hours after approval and can plan around the weekly instalments.
Who should look elsewhere
- Borrowers chasing a low rate: Monzo Flex lists 10% to 23%, well below the 47.85% here.
- Readers wanting a free comparison point: Cashspace ES shows 0% against this lender's 47.85%.
- Readers comparing across markets: Cashspace runs PHP 12 to PHP 36 in a different market and a different product type.
Country by country
| Country | Abhi | Easy Credit |
|---|---|---|
| Bulgaria | No | Yes |
| Pakistan | Yes | No |
Questions about each
Easy Credit
What rate do I pay on an Easy Credit loan?+
Easy Credit publishes an annual rate of 47.85%. Its representative example is a small personal loan repaid in weekly instalments, and the annual cost there is the same figure. What you pay weekly depends on the amount and the term, so treat the example as a guide.
How much can I borrow, and for how long?+
Loan amounts run €150 to €9,000 and terms run 6 to 36, which suits a small purchase or a bill rather than a large renovation. The top of the range sits above the site median of €876.96 and the bottom well below it, so the spread is wide.
Is Easy Credit regulated?+
The lending entity is Izi Asset Management AD, listed as a non-bank financial institution under the Bulgarian National Bank with licence BGR00009. That licence number is the thing to check before signing, and the terms set out what you owe.
How quickly is the money paid out?+
Funding runs Up to 24 hours after approval, so a large sum is not paid on the day you apply. Anyone with a bill falling due soon should apply with room to spare. The decision comes after a hard credit check, which is usually the point of delay.