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Easy Credit review

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

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Our verdict

Easy Credit is a Bulgarian direct lender for adults who want a small personal loan and can clear a hard credit check. Money arrives Up to 24 hours after approval, terms run 6 to 36 and free early repayment cuts the bill for anyone who settles early.

Key facts

Best for
Bulgarian adults borrowing a small personal loan and settling it early when they can.
APR
47.85%↗
Loan amount
€150 to €9,000↗
Term
6 to 36 months↗
Credit check
Hard↗
Funding time
Up to 24 hours after approval↗
Representative example
Изи Кредит: 200 EUR, 24 weekly instalments of 9.14 EUR, 6 months, total repayable 219.36 EUR, nominal interest 39.00%, annual cost 47.85%↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
18 or older, permanently resident citizen of Bulgaria, valid ID card↗
Loan types
Personal, Guarantor, Secured↗
Legal entity
Izi Asset Management AD (Изи Асет Мениджмънт АД), EIK 131576434↗
Headquarters
Bulgaria↗
Founded
2005↗
Support channels
Phone, Chat, Help-centre↗
Pricing model
Fixed rate
Official website
easycredit.bg

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataXLinkedInappgallery.huawei.com

Pros and cons

Pros

  • Free early repayment, so a loan cleared sooner costs less
  • Support runs on phone, chat and help centre
  • Lending of €150 to €9,000 with terms of 6 to 36
  • Supervised by the Bulgarian National Bank as a non-bank financial institution under BGR00009

Cons

  • The 47.85% is far above the 14.43% typical personal loan rate
  • Lending stops at €150 to €9,000, so it cannot cover a large consolidation
  • A hard credit check means every application is a full search on your file
Easy Credit

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Adults in Bulgaria with a valid ID card and permanent residency who need a modest personal loan
  • Borrowers with a guarantor or security available, since personal, guarantor and secured includes those routes
  • People who want a fixed rate and can pay the loan off early

Who should look elsewhere

  • Anyone comparing the cheapest rate, since Sofkredit lists an APR of 10.74% to 18.06%
  • Borrowers who need a large sum, as Creduma ES lends from €12,000
  • Applicants who would rather avoid a hard credit check

Where it sits among rivals

On loan amount, Easy Credit ranks 490 of 665 brands here, and on APR it ranks 301 of 338. Far down both tables means the small end for size and the high end for price, which is where a short fixed-term lender tends to sit.

Safety of your money

Easy Credit operates as a direct lender rather than a broker, so you deal with one party from application to repayment. The published representative example is a small balance repaid over a short term, and its annual cost is 47.85%, which is the figure to weigh. The lender is registered with the Bulgarian National Bank as a non-bank financial institution under BGR00009.

How Easy Credit compares

Where Easy Credit is available

Available
Bulgaria
Licence in Bulgaria
Bulgarian National Bank (BNB) - non-bank financial institution (BGR00009), checked September 26, 2026

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

Frequently asked questions

What rate do I pay on an Easy Credit loan?+

The stated 47.85% applies to the personal loan product, and the rate type is fixed. The published representative example is a small balance over a short term, which is the most useful guide to what you would repay. Compare that figure before applying, not a promotional headline.

How much can I borrow and for how long?+

Lending runs €150 to €9,000, with terms of 6 to 36. Loan types include personal, guarantor and secured, so a guarantor or security route may open up more than the standard personal loan. The legal entity behind the brand is Izi Asset Management AD.

What credit check does Easy Credit run?+

The credit check is hard, which means an application is a full check. A hard search can affect an existing score, so borrow only if you already have other credit. Fixed-rate lending means the cost does not drift once you are accepted.

Who regulates Easy Credit?+

The lender is supervised by the Bulgarian National Bank as a non-bank financial institution, registered under BGR00009. The company has operated since 2005. Registration in Bulgaria means the brand lends to Bulgarian residents rather than across Europe.

Am I eligible to apply?+

Eligibility runs to adults who are a permanently resident citizen of Bulgaria and hold a valid ID card. A guarantor may be an alternative route if your own file is thin. Support can confirm the current rules through phone, chat and help centre.

Can I repay the loan early?+

Free early repayment is available, so settling the balance sooner does not add a charge. That makes the effective cost lower than the headline rate on a fixed loan whenever you can clear it early, though the instalment dates in your own agreement still govern.

How quickly do I get the money?+

Funding is Up to 24 hours after approval, counted from approval rather than from the application. Work out the full repayment from the representative example first, because a fast payout does not make the rate cheaper. Applying early in the week is sensible if you need the cash quickly.

How do I get help?+

Support runs on phone, chat and help centre. A help centre covers the routine questions, and chat is the quickest route for a small change such as a payment date. Use the form the lender asks for rather than informal contact, so your request is recorded.

Sources

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

Not confirmed yet: Arrangement fee.

Easy Credit

Easy Credit

Bulgarian adults borrowing a small personal loan and settling it early when they can.

9.0/10See alternatives