Smile Credit

We are

Financial institution registered with the BNB with certificate No. BGR00298. This gives us the opportunity to provide loans, but in a new way - easily, quickly and remotely.
Full members of AONK (Association for Responsible Non-Bank Lending)
Personal data administrator registered in the register of the Commission for the Protection of Personal Data with certificate No. 364570. Therefore, we store all information about you in accordance with all the requirements of the law.
Only online. No offices, booths or counters to line up in front of. With us, you can take out a loan quickly, discreetly and conveniently, whenever you want, wherever you are.

Online loans from BGN 50 to 5,000 and a repayment period of up to 24 months under clear conditions, without guarantors and collateral.

Completely online, no office visit
Approval and absorption in up to 10 minutes
0% depreciation on full repayment by first maturity

What are the interest rates?
The maximum APR on our non-promotional loans is 49%.
For all new customers, the credit in installments is interest-free if it is repaid in full by the first due date and is up to BGN 1,500.
The installment loan that SmileCredit provides to its customers has the possibility of early repayment of the obligations for a nominal fee.

Financial example - You apply for a loan worth BGN 600 with a contract term of 3 months. The interest and the fee for the specified period are in the amount of BGN 41.01. The total amount to be returned is BGN 641.01, and the annual percentage rate (APR) for the financial example is 49.00%. Minimum repayment period 90 days. Maximum repayment period 360 days.
The above-mentioned financial example refers and applies when the Customer absorbs the entire amount of the loan, uses the loan for the entire term of the contract, repays each installment on the corresponding maturity date and the Customer fulfills his obligations under the loan agreement accurately and on time. In the event that the Customer does not fulfill his obligations under the credit agreement properly and on time, he may be charged additional costs, interest or penalties for non-performance.

You state the term and the amount in the mobile application and receive an answer within minutes during working hours. If you're approved, your money arrives via bank or EasyPay the same day.

You apply completely online and completely free of charge. You choose a suitable product for you from our calculator and change the parameters according to what you are looking for. It will calculate your contribution with the corresponding increase in price for the selected period.