Easy Credit review

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

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Our verdict

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.

Key facts

Best for
Bulgarian borrowers after a small fixed-rate loan with fast payout and no early repayment charge.
APR
47.85% (Source, checked September 26, 2026)
Loan amount
€150 to €9,000 (Source, checked September 26, 2026)
Term
6 to 36 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Up to 24 hours after approval (Source, checked September 26, 2026)
Representative example
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% (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
18 or older, permanently resident citizen of Bulgaria, valid ID card (Source, checked September 26, 2026)
Loan types
Personal, Guarantor, Secured (Source, checked September 26, 2026)
Legal entity
Izi Asset Management AD (Изи Асет Мениджмънт АД), EIK 131576434 (Source, checked September 26, 2026)
Headquarters
Bulgaria (Source, checked September 26, 2026)
Founded
2005 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
easycredit.bg

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataXLinkedInappgallery.huawei.com

Pros and cons

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.
  • Loan sizes run €150 to €9,000 with terms of 6 to 36, and help is available by phone, chat and help centre.

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.
Easy Credit

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Scored 8.9 / 10 by BorrowCue.

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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.

How it compares on our data

On loan amount, Easy Credit places at position 506 of 685 brands on our data. On APR, it ranks 309 of 350. The APR ranking is the weaker of the two, so total cost is where this lender sits furthest from the field it is compared against.

How Easy Credit compares

Where Easy Credit is available

Available
Bulgaria
Licence in Bulgaria
Bulgarian National Bank (BNB) - non-bank financial institution (BGR00009), checked September 26, 2026

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

Frequently asked questions

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.

What credit check does Easy Credit run?+

The check is hard, so an application can leave a mark on the credit file and a decline is a real possibility. A marked file can weigh on later applications too, so it is worth weighing before applying.

Who can apply?+

Applicants must be adults, permanently resident citizens of Bulgaria and hold a valid ID card, which makes this a single market product rather than a cross-border facility. The lender operates from Bulgaria, and both residency and the hard check sit in the path before any offer.

Can I repay the loan early?+

Early repayment is free, so clearing the balance sooner costs nothing extra. The rate is fixed, so the same rate holds across the term and paying off early does not trigger a recalculated price. That makes it easier to plan for a bonus or a windfall.

What kinds of loan are on offer?+

The range covers personal, guarantor and secured lending, so a borrower can take a personal loan, add a guarantor or secure the borrowing against an asset. Easy Credit is a direct lender, so the decision and the contract sit with the brand itself rather than with a third party.

How do I get help?+

Help is offered by phone, chat and help centre: a phone line, an online chat and a self-service help centre. Setting up weekly payments fits the chat and the help centre, while anything more detailed suits a phone call.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee.

Easy Credit

Easy Credit

Bulgarian borrowers after a small fixed-rate loan with fast payout and no early repayment charge.

8.9/10See alternatives

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