Fully digital consumer loan within minutes | UBB

Exchange rates

as of 10/01/2025 15:33:30

Cash payment

Non-cash payment

Selling rate

1.96100

1.96000

Buying rate

1.94800

1.94900

BNB fixing

1.95583

Cash payment

Non-cash payment

Selling rate

1.95000

1.94700

Buying rate

1.86600

1.86700

BNB fixing

1.89813

Cash payment

Non-cash payment

Selling rate

2.39900

2.39400

Buying rate

2.27400

2.27800

BNB fixing

2.33691

Cash payment

Non-cash payment

Selling rate

2.12400

2.12200

Buying rate

2.03000

2.03200

BNB fixing

2.07713

Advantages

Attractive interest rate
No payroll
Get the comfort of fixed loan installments

	Fixed interest rate	Floating interest rate
Currency	BGN	BGN
Tenor	up to 5 years	up to 10 years
Amount	up to BGN 55 000	up to BGN 55 000

Example

Example credit with fixed interest rate

APR 7.63% for a loan of BGN 20 000, over a period of 60 months and a fixed interest rate of 6.90% calculated with a loan account monthly maintenance fee - BGN 4.50. The total amount due will be BGN 23 974.86 with equal monthly installments in the amount of BGN 395.08.

Example credit with floating interest rate

APR 7.42% for a loan of BGN 20 000, over a period of 60 months and a floating interest rate of 6.70% (RIR* + 6.45% fixed margin) calculated with a loan account monthly maintenance fee - BGN 4.50. The total amount due will be BGN 23 861.96 with equal monthly installments in the amount of BGN 393.20.

APR 7.10% for a loan of BGN 20 000, over a period of 60 months and a floating interest rate of 6.40% (RIR* + 6.15% fixed margin) calculated with a loan account monthly maintenance fee - BGN 4.50. The total amount due will be BGN 23 693.21 with equal monthly installments in the amount of BGN 390.39.

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Parameters

	Fixed interest rate over the entire tenor	Floating interest rate over the entire tenor
Interest rate	6.90%	6.70% (RIR+6.45% fixed margin), income up to BGN 1400 6.40% (RIR+6.15% fixed margin), income over BGN 1400
Minimum Tenor	6 months
Maximum Tenor	5 years (60 months)
Amount	From BGN 1 000 up to BGN 55 000*. For amounts over BGN 55,000 you can take advantage of remote application process via Contact Center without visiting a bank branch
Collateral	No collateral
Loan Account Maintenance Fee	BGN 2.5 per month with a debit card BGN 4.5 per month without a debit card
Prepayment Fee	1.00% of the prepaid principal, in case the remaining period under the loan agreement is more than 1 year 0.5% of the prepaid principal, in case the remaining period under the loan agreement is less than 1 year.	None.
Borrower's age	20-65 years
Signing the loan documents	You sign an agreement online, without visiting the Bank, thanks to our cooperation with Evrotrust and their Qualified Electronic Signature (QEP) app.

How to apply?

Log in to your UBB Mobile, menu Apply - Apply for consumer loan
Select the desired amount and term of the loan
Fill out the required data
Sign the necessary documents in Evrotrust App
The approved loan amount is available within minutes after conclusion of the agreement