Credissimo MK review

Credissimo MK quotes an APR of 60%, which is high against the 12% median across the wider market. Interest is charged at a fixed rate, so the instalment does not drift during the term. The total cost of a loan is driven by that rate plus administrative costs and commissions.

Borrowing runs MKD 6,000 to MKD 200,000 with terms of 3 to 36. That is a wide spread for a single lender in North Macedonia, so both a small short-term sum and a larger consolidation loan can sit inside the same range. The product list covers personal, payday and debt consolidation.

The representative example for Credissimo Plus shows interest plus administrative costs and commissions added to what is borrowed, so the total repayable sits well above the interest on its own. Compare that with the 60% figure and with MKD 6,000 to MKD 200,000 before applying.

Applications take a hard credit check, and the lender works with borrowers whose credit history is poor. A hard check means the search stays on the record, so an application that is turned down can still be seen by the next lender. Permanent residence in North Macedonia is required.

The product range lists same day funding, and the terms describe the loan being paid into the borrower's transaction account within a short period after the agreement is signed. Same-day headlines sit alongside a working-days wait, so plan around the terms rather than the marketing.

The range covers personal, payday and debt consolidation, all on a fixed rate through the same lender. Personal borrowing, short-term payday sums and debt consolidation sit under one provider, which keeps the credit check and the payout route the same across products.

Free early repayment: no, so clearing a balance before the end of a 3 to 36 schedule does not cut the cost. The interest and the administrative costs and commissions both stay in place, so a MKD 6,000 to MKD 200,000 loan runs to the end of its agreed term.

Support runs on email, phone and help centre, so a help centre, phone and email are listed for questions before and after signing. The same channels handle the application itself, because the lender deals with borrowers directly rather than through an intermediary.