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Credissimo review

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

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Our verdict

Credissimo suits Bulgarian adults who want a direct fixed-rate loan with fast funding and no origination fee. Credissimo Plus offers amounts of €100 to €5,000 and terms of 3 to 24, but the GPR of up to 50.75% makes careful affordability checks essential.

Key facts

Best for
Bulgarian borrowers needing a small personal or home-improvement loan with rapid funding.
APR
up to 50.75%↗
Loan amount
€100 to €5,000↗
Term
3 to 24 months↗
Arrangement fee
0 EUR↗
Credit check
Hard↗
Funding time
Instantly on a Bulgarian Visa/Mastercard card (within 30 minutes of payout); bank transfer within minutes at UniCredit Bulbank, BNB, Postbank, DSK, otherwise a few hours to next business day↗
Representative example
Credissimo Plus EUR 300, no security, no insurance, 3-month term, fixed rate 41.50%, GPR (APR) 50.42%, total repayable EUR 321 in 3 equal instalments of EUR 107; a second example: EUR 3,500 over 10 months at 41.50% fixed, GPR 50.38%, total EUR 4,199.60; maximum GPR may reach 50.75%↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
Adults only, valid personal ID card, permanent residence in the Republic of Bulgaria (Bulgarian citizens)↗
Origination fee (%)
0%↗
Loan types
Personal, Debt-consolidation, Payday, Credit-line, BNPL, Car, Student↗
Use cases
Home-improvement↗
Legal entity
Credissimo EAD (Kredisimo EAD), company ID (EIK) 175330437↗
Headquarters
Bulgaria↗
Founded
2007↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
credissimo.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInX

Pros and cons

Pros

  • No origination fee for Credissimo Plus: 0 EUR.
  • Fixed-rate borrowing is available: fixed.
  • Loans run from €100 to €5,000 with terms of 3 to 24.
  • Card funding can be instant, while bank transfers may arrive within minutes or by the next business day.

Cons

  • The maximum GPR is up to 50.75%, which can make repayment costly.
  • The credit check is hard: hard.
  • Eligibility is limited to adults with a valid personal ID card and permanent residence in the Republic of Bulgaria.
Credissimo

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Scored 9.2 / 10 by SumCue.

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Who it suits

  • Bulgarian citizens with permanent residence in Bulgaria who need a personal or payday loan.
  • Adults seeking a fixed-rate loan for home improvement or debt consolidation.
  • Borrowers who value instant card funding or very fast bank transfers.

Who should look elsewhere

  • Cashspace may suit borrowers comparing an APR of PHP 12 to PHP 36.
  • Creduma ES may suit borrowers seeking an amount starting at from €12,000.
  • Sofkredit may suit borrowers comparing an APR of 10.74% to 18.06%.

How Credissimo compares

Where Credissimo is available

Available
Bulgaria, Colombia, North Macedonia, Poland, Romania, Spain
Licence in Bulgaria
Bulgarian National Bank (BNB) - registered financial institution under Art. 3a of the Credit Institutions Act (BGR00050), checked September 26, 2026

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

Frequently asked questions

What does Credissimo Plus cost?+

Credissimo Plus has an origination fee of 0 EUR. Borrowing uses a fixed rate, as shown by fixed, but the GPR can reach up to 50.75%, so the repayment cost remains the main consideration.

How much can I borrow from Credissimo?+

Credissimo offers loan amounts of €100 to €5,000. Available terms are 3 to 24, allowing borrowers to match the repayment period to the amount and monthly budget.

Is the Credissimo loan fixed or variable?+

Credissimo Plus uses a fixed rate, as confirmed by fixed. Fixed-rate borrowing can make budgeting clearer, although the GPR can still reach up to 50.75%.

Does Credissimo charge an arrangement fee?+

The origination fee for Credissimo Plus is 0 EUR. This is separate from the cost of credit reflected in the GPR of up to 50.75%.

How quickly can Credissimo provide money?+

Funding to a Bulgarian Visa or Mastercard card can be instant. Bank transfer timing varies by provider and may range from within minutes to the next business day, while the advertised feature is same day funding.

What credit check does Credissimo use?+

Credissimo uses a hard credit check: hard. Applicants should expect the assessment to affect their credit file, making affordability particularly important where the GPR is up to 50.75%.

Who can apply for a Credissimo loan?+

Applicants must be adults with a valid personal ID card and permanent residence in the Republic of Bulgaria. They are also Bulgarian citizens, and the available borrowing range is €100 to €5,000.

How can I contact Credissimo?+

Support is available through phone, email and help centre. This gives borrowers phone, email and help-centre options for questions about an application or an existing fixed-rate loan under fixed rate.

Sources

  • credissimo.bg checked September 26, 2026

    Backs: Support channels

    “0700 12 0 12; support@credissimo.bg; Имам въпрос https://support.credissimo.bg/hc/bg”

  • credissimo.bg/plus checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Funding time, Loan types, Pricing model, Origination fee (%), Rate type, Representative example, Term, Use cases

  • credissimo.bg/tarif checked September 26, 2026

    Backs: Legal entity, Arrangement fee

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

    Backs: Credit check, Headquarters, Lender type, Licences

  • credissimo.com checked September 26, 2026

    Backs: Founded

    “Credissimo is a leading European FinTech Group founded in 2007”

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

Credissimo

Credissimo

Bulgarian borrowers needing a small personal or home-improvement loan with rapid funding.

9.2/10See alternatives