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Credissimo MK review

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

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Our verdict

Credissimo MK is a direct lender in North Macedonia offering personal, payday and debt consolidation loans at a fixed rate. Borrowing costs run at 60%, and the Plus product adds administrative costs and commissions on top, so the headline rate is not the whole cost.

Key facts

Best for
Borrowers in North Macedonia who want a fixed rate personal loan and a quick payout.
APR
60%↗
Loan amount
MKD 6,000 to MKD 200,000↗
Term
3 to 36 months↗
Arrangement fee
Administrative costs and commissions MKD 3,498 on a 30,000 denar loan over 6 months (Credissimo Plus)↗
Credit check
Hard↗
Funding time
Disbursed to the borrower's transaction account within 3 working days of signing the loan agreement↗
Representative example
Credissimo Plus: 30,000 denars over 6 months, fixed 9.00% annual rate, interest 792 denars, admin costs and commissions 3,498 denars, total repayable 34,290 denars, 5,715 denars per month, max total cost ratio 60.00%↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
No↗
Eligibility
Adults of legal age with permanent residence in North Macedonia and a valid personal ID document↗
Loan types
Personal, Payday, Debt-consolidation↗
Credit needed
Poor↗
Legal entity
Financial company CREDISMO DOO Skopje (FD CREDISMO DOO SKOPJE), EMBC 7134185↗
Headquarters
North Macedonia↗
Founded
2016↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
credissimo.mk

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • A direct lender, so loans run MKD 6,000 to MKD 200,000 over terms of 3 to 36.
  • A fixed rate keeps each instalment steady for the whole term.
  • Same day funding is listed as a same day funding.
  • Support runs on email, phone and help centre.

Cons

  • The 60% is well above the payday loan median of 36.5%.
  • Free early repayment is listed as no, so clearing the balance ahead of schedule comes at a cost.
  • A hard credit check runs against poor credit, so a decline can be recorded.
Credissimo MK

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Scored 8.7 / 10 by SumCue.

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Who it suits

  • Borrowers folding several debts into one instalment, since debt consolidation sits in personal, payday and debt consolidation.
  • People who want cash in their transaction account quickly, as same day funding is listed as a same day funding.

Who should look elsewhere

  • Cashspace, where rates run PHP 12 to PHP 36 rather than the 60% charged here.
  • Sofkredit, which quotes 10.74% to 18.06% against the 60% on the Plus product.
  • Anyone planning to settle the loan early, because free early repayment is listed as no.

How Credissimo MK compares

Where Credissimo MK is available

Available
North Macedonia
Licence in North Macedonia
Ministry of Finance of the Republic of North Macedonia (13-5945/7), checked September 26, 2026

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

Frequently asked questions

What does borrowing from Credissimo MK cost?+

Borrowing runs at 60%, and that figure alone understates what you repay. The representative example on the Plus product shows a fixed annual rate with administrative costs and commissions added on top, so the interest is only part of the bill.

How much can I borrow and over what term?+

Loans run MKD 6,000 to MKD 200,000 and terms run 3 to 36, so the same range covers a small payday need and larger consolidation borrowing. Repayment runs monthly to the transaction account that received the money, so pick a term that keeps the instalment comfortable.

Is Credissimo MK regulated in North Macedonia?+

The lender is licensed by the Ministry of Finance of the Republic of North Macedonia, with licence reference 13-5945/7. The legal entity is CREDISMO DOO Skopje, a financial company based in Skopje.

Can I repay early without a charge?+

Free early repayment is listed as no, so paying off the balance ahead of the agreed schedule can leave you worse off. Anyone expecting their income to rise should read the early settlement terms before taking the full term.

How do I reach help when I need it?+

Support runs on email, phone and help centre, so a phone line, email and a help centre are all listed. The company has traded since 2016 from its base in North Macedonia, and reaching them before signing is worth doing if you want the terms explained.

Sources

  • credissimo.mk checked September 26, 2026

    Backs: Credit needed

  • credissimo.mk/en checked September 26, 2026

    Backs: Loan amount, Features

    “Credit Plus up to MKD 200 000 ... Amount MKD 10 000 / 6 000 / 200 000”

  • credissimo.mk/mk/about checked September 26, 2026

    Backs: Founded, Headquarters, Licences

  • credissimo.mk/mk/contacts checked September 26, 2026

    Backs: Support channels

  • credissimo.mk/mk/plus checked September 26, 2026

    Backs: APR, Loan types, Pricing model, Arrangement fee, Rate type, Representative example, Term

  • credissimo.mk/mk/terms-and-conditions checked September 26, 2026

    Backs: Credit check, Eligibility, Free early repayment, Funding time, Legal entity, Lender type

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

Credissimo MK

Credissimo MK

Borrowers in North Macedonia who want a fixed rate personal loan and a quick payout.

8.7/10See alternatives