Credissimo review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Credissimo lends directly in Bulgaria, so a Bulgarian adult with a valid personal ID card and permanent residence there can apply for a fixed rate loan of €100 to €5,000 over 3 to 24.

Key facts

Best for
Bulgarian residents who need a small fixed rate loan and need the money quickly.
APR
up to 50.75% (Source, checked September 26, 2026)
Loan amount
€100 to €5,000 (Source, checked September 26, 2026)
Term
3 to 24 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Instantly on a Bulgarian Visa/Mastercard card (within 30 minutes of payout); bank transfer within minutes at UniCredit Bulbank, BNB, Postbank, DSK, otherwise a few hours to next business day (Source, checked September 26, 2026)
Representative example
Credissimo Plus EUR 300, no security, no insurance, 3-month term, fixed rate 41.50%, GPR (APR) 50.42%, total repayable EUR 321 in 3 equal instalments of EUR 107; a second example: EUR 3,500 over 10 months at 41.50% fixed, GPR 50.38%, total EUR 4,199.60; maximum GPR may reach 50.75% (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Adults only, valid personal ID card, permanent residence in the Republic of Bulgaria (Bulgarian citizens) (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Payday, Credit-line, BNPL, Car, Student (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Credissimo EAD (Kredisimo EAD), company ID (EIK) 175330437 (Source, checked September 26, 2026)
Headquarters
Bulgaria (Source, checked September 26, 2026)
Founded
2007 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
credissimo.com

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInX

Pros and cons

Pros

  • No origination fee on the loan, at 0 EUR and 0%
  • Money can arrive on a Bulgarian card the same day, within a short payout window
  • Fixed rate borrowing, not a rate that moves with the market
  • A direct lender rather than a broker, with phone, email and a help centre on phone, email and help centre

Cons

  • The annual rate reaches up to 50.75%, far above the 12.25% median for personal loans
  • A hard credit check, which marks your file
  • Borrowing is capped at €100 to €5,000, so larger costs need a different lender
Credissimo

Ready to try Credissimo?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Bulgarian citizens with permanent residence in Bulgaria and a valid personal ID card
  • Adults who want a single fixed repayment plan rather than a revolving line
  • Home improvement borrowers, the stated purpose of the loan

Who should look elsewhere

  • Anyone outside Bulgaria, since eligibility needs permanent residence there
  • Monzo Flex users, whose rate starts far lower at 10% to 23%
  • Borrowers needing a large sum, as the ceiling is €100 to €5,000

The company behind it

Credissimo EAD is a Bulgarian company, registered in Bulgaria and trading as a direct lender rather than a broker. It is supervised by the Bulgarian National Bank, which lists it as a registered financial institution under the Credit Institutions Act. The lender has operated since 2007. Borrower support runs on phone, email and help centre, so help is available by phone, by email and through a help centre, and the lending relationship stays with the company from application to repayment.

How Credissimo compares

Where Credissimo is available

Available
Bulgaria, Colombia, North Macedonia, Poland, Romania, Spain
Licence in Bulgaria
Bulgarian National Bank (BNB) - registered financial institution under Art. 3a of the Credit Institutions Act (BGR00050), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will I pay on a Credissimo loan?+

The annual rate on Credissimo Plus runs as high as up to 50.75% for a fixed rate loan. The published examples show a fixed rate well above much of the market, with the annual figure near the top of that range. Compare that with the 12.25% median across the personal loans listed here before you apply.

Is there an arrangement fee to arrange a loan?+

The listed origination fee is 0 EUR and the percentage fee is 0%, so nothing is charged for setting the loan up. Your cost is instead built into the rate, which is the figure to weigh. Read the tariff before you sign so you know what you are committed to repay in total.

Who regulates Credissimo?+

Credissimo EAD is supervised by the Bulgarian National Bank, which records it as a registered financial institution under the Credit Institutions Act. It lends as a direct lender, so you deal with the company itself rather than a broker. Its legal entity and company registration details are published with its pricing.

How quickly will I receive the money?+

Funding can be instant on a Bulgarian Visa or Mastercard card, within a short window after payout. A bank transfer usually lands within minutes at UniCredit Bulbank, BNB, Postbank and DSK, and otherwise takes a few hours to the next business day. Same day funding is one of the features Credissimo highlights.

How much can I borrow and for how long?+

Credissimo Plus lends €100 to €5,000 over a term of 3 to 24. The range covers a small bridging amount as well as a full personal loan, and the rate stays fixed across the term. Home improvement is the stated use for the money, alongside personal and consolidation lending.

Am I eligible to apply?+

Applicants must be adults with a valid personal ID card and permanent residence in the Republic of Bulgaria, so Bulgarian citizens living there. Applications run through a hard credit check, which means a search is recorded against your file. The lending relationship is with the company itself, not a middleman.

Sources

  • credissimo.bg checked September 26, 2026

    Backs: Support channels

    “0700 12 0 12; support@credissimo.bg; Имам въпрос https://support.credissimo.bg/hc/bg”

  • credissimo.bg/plus checked September 26, 2026

    Backs: Features, Loan amount, APR, Eligibility, Funding time, Loan types, Pricing model, Origination fee (%), Rate type, Representative example, Term, Use cases

  • credissimo.bg/tarif checked September 26, 2026

    Backs: Legal entity, Arrangement fee

  • credissimo.bg/terms-and-conditions checked September 26, 2026

    Backs: Credit check, Headquarters, Lender type, Licences

  • credissimo.com checked September 26, 2026

    Backs: Founded

    “Credissimo is a leading European FinTech Group founded in 2007”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Credissimo

Credissimo

Bulgarian residents who need a small fixed rate loan and need the money quickly.

9.1/10See alternatives

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