Fibank review

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

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Our verdict

Fibank suits Bulgarian borrowers who want one bank to cover consumer and consolidation lending plus a housing loan, and its headline APR of 6.49% is the number to compare first. The catch is that the rate is variable, so the instalment you start on is not the one you finish on.

Key facts

Best for
Bulgarian borrowers who want a low headline rate, fast payout and free early repayment.
APR
6.49% (Source, checked September 26, 2026)
Loan amount
up to €50,000 (Source, checked September 26, 2026)
Term
up to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR when applying online; 12.78 EUR when applying in a branch (Source, checked September 26, 2026)
Funding time
Funds drawn within minutes after fully online application and contract signing (Source, checked September 26, 2026)
Representative example
Promotional consumer loan: APR (GPR) 6.49% on 15,000 EUR over 84 months, monthly instalment 211.94 EUR, total payable 18,575.94 EUR (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Aged 18-70 at the moment of loan disbursement, proven regular income; net monthly income of at least 1,300 EUR for amounts over 40,000 EUR (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
First Investment Bank AD (Pyrva investitsionna banka AD) (Source, checked September 26, 2026)
Headquarters
Bulgaria (Source, checked September 26, 2026)
Founded
1993 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
fibank.bg

Mortgages

Initial rate
2.39% (Source, checked September 26, 2026)
APRC
3.08% (Source, checked September 26, 2026)
Maximum loan to value
85% (Source, checked September 26, 2026)
Product fee
€255.65 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, Home-equity (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
First Investment Bank AD (Pyrva investitsionna banka AD) (Source, checked September 26, 2026)
Headquarters
Bulgaria (Source, checked September 26, 2026)
Founded
1993 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInX

Pros and cons

Pros

  • Money is drawn within minutes once you apply and sign fully online.
  • Free early repayment, so a windfall clears the balance at no cost.
  • One lender covers personal, debt consolidation and home improvement needs.
  • Purchase, remortgage and home equity borrowing sit with the same bank.

Cons

  • The consumer loan rate is variable, so the 6.49% headline can move.
  • The arrangement fee applies in a branch, so in person applications cost more.
  • Proven regular income is required, with more of it on the largest amounts.
Fibank

Ready to try Fibank?

Scored 9.3 / 10 by BorrowCue.

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Who it suits

  • Bulgarian adults with proven regular income borrowing for a renovation or a debt tidy up.
  • Borrowers who want funds within minutes and early repayment at no extra cost.
  • Anyone planning a purchase, a remortgage or borrowing against a property they own.

Who should look elsewhere

  • Anyone who needs a fixed rate: Monzo Flex lists 10% to 23% beside Fibank's variable rate.
  • Applicants without proven regular income, the core of Fibank's eligibility check.

Where it sits among rivals

On loan size Fibank sits at position 48 of 685, and on annual percentage rate at position 93 of 350. Readers weighing cost will read more into the rate position than the size position: a lender can rank well on price while offering modest ceilings. Fibank is one of those, priced low and capped low.

Who runs it

The lender is First Investment Bank AD (Pyrva investitsionna banka AD), based in Bulgaria and founded in 1993, and the Bulgarian National Bank is the regulator named for it. Support runs on email, phone and help centre, so email, phone and a help centre all sit with the bank that holds the loan. You deal with one named counterparty for the whole repayment.

How Fibank compares

Where Fibank is available

Available
Bulgaria
Licence in Bulgaria
Bulgarian National Bank, checked September 26, 2026

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

Frequently asked questions

What rate does Fibank charge, and can it change?+

The consumer loan runs at a headline APR of 6.49% and its rate type is variable, so treat that figure as a starting point rather than a promise for the whole term. On the housing loan the initial rate is 2.39%. Monzo Flex lists 10% to 23% if you want a stated range to set beside it.

What fees does a Fibank loan carry?+

The arrangement fee on the consumer loan is free when you apply online, and a branch application carries a fee, so online is the cheaper route. The housing loan adds a product fee of €255.65 on top of its rate. Early repayment, meanwhile, is free.

How much can I borrow, and over what term?+

Consumer borrowing reaches up to €50,000 and runs over a term of up to 120. The published example is a promotional loan at 6.49% on a mid sized amount, with a monthly instalment and a total repayable figure for that scenario. The offer sits in a single market, so larger sums need a different lender.

How fast is the money paid out?+

Funds are drawn within minutes after you apply fully online and sign the contract, and same day funding sits in the same day funding list. Most lenders in this comparison also offer same day funding, at 82.9% of brands compared, so treat speed as standard.

Who runs Fibank, and who regulates it?+

The lender is First Investment Bank AD (Pyrva investitsionna banka AD), based in Bulgaria and founded in 1993. The Bulgarian National Bank is the regulator named for it, so the credit sits with a supervised bank rather than an intermediary, and you deal with one named counterparty for the whole repayment.

What does the housing loan look like?+

The housing loan starts at an initial rate of 2.39% with an APRC of 3.08% and a maximum loan to value of 85%. It covers purchase, remortgage and home equity purposes, so it can fund a buy, a switch of lender or borrowing against a property you already hold.

Who can apply for a Fibank loan?+

Applicants must be adults within the bank's age range at the point of disbursement, with proven regular income, and a higher net monthly income on the largest amounts, near the up to €50,000 ceiling. Borrowing covers personal, debt consolidation and home improvement needs, so one application can cover a project or a debt tidy up.

Sources

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

Not confirmed yet: Credit check.

Fibank

Fibank

Bulgarian borrowers who want a low headline rate, fast payout and free early repayment.

9.3/10See alternatives

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