United Bulgarian Bank (UBB), part of KBC Group, offers consumer loans with a repayment period up to 5 years and a fixed indicative interest rate of 6.5% for the entire loan tenor to individuals, seeking financing from banks for the realization of their projects and ideas when applying via the bank’s mobile app UBB Mobile. The maximum loan amount can reach EUR 27 500, as the above interest rate shall only be valid upon applying through the UBB Mobile app.

The application process is fast and convenient, the request is being considered within minutes, and the client obtains a reply as to whether he/she has been approved or not. UBB, having been distinguished as the best innovative and digital bank in Bulgaria for 2025, according to the ranking of the reputable international magazine Global Finance, steers those customers consistently seeking consumer loans towards a digital process, by creating convenience for them and saving them precious time.

Individuals, willing to apply for a loan with a fixed interest rate, but who do not have the UBB Mobile app or should re-activate it, can find detailed visual and text information on the Bank’s website in terms of the necessary steps. Should they wish to apply at a branch of the Bank, they can do so by using the widely spread UBB network of more than 170 branches. When applying at a branch, the fixed interest rate equals 7.2%.

More information about consumer loans, offered by UBB is available here.

Illustrative example: Annual Percentage Rate (APR) of 7.22% upon a consumer loan of up to EUR 10 000 and a tenor of 60 months with a fixed interest rate of 6.50%, a monthly repayment installment of EUR 195.66 /BGN 382.68 and a total due amount of EUR 11 877.69 /BGN 23 230.74. There is a calculated monthly fee for current account maintenance, amounting to EUR 2.30/BGN 4.50. This calculation does not include a prepayment fee.

Annual Percentage Rate (APR) 7.96% for a consumer loan, obtained at a UBB branch, amounting to EUR 10 000 and with a tenor of 60 months upon a fixed interest rate of 7.2%, a monthly repayment installment amounting to EUR 198.96 /BGN 389.13 and a total due amount of EUR 12 075.42 /BGN 23 617.47. There is a calculated monthly fee for current account maintenance, amounting to EUR 2.30/BGN 4.50. This calculation does not include a prepayment fee.