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Consumer loan without salary transfer

  • Amount : maximum BGN 40 000, minimum BGN 1000

    Currency: BGN

    Term: Up to 120 months (60 months for loan amount up to BGN 5 000), min 12 months

    Collateral: Joint debtor / guarantor may be required depending on the creditworthiness of the borrower, regardless of the loan amount.

    Interest rate

    The interest rate is floating, based on referent interest rate of the Bank (RIR) plus fixed spread.

    The Bank applies referent interest rate for loans in BGN. The Bank announces on its web site "Methodology for calculating of reference interest rate of Piraeus Bank Bulgaria SA for loans in BGN", the current value of calculated according to this methodology RIR, and provides data for all values of RIR.

    Annual Interest rate


    Mandatory Life Insurance, according to the Bank rules;Additional requirement:

    Loan disbursement: One off

    Loan repayment : Annuity installments

    Bonus: Issuance of a credit card Visa or MasterCard without annual fee for the loan term.

    You can see Example here

    If you need more information for this bank product, you can contact our Call Center at 0 700 12 002 or send us an e-mail at Please fill in your name and telephone number, in order to be able to contact you.


    • Fee at application submission: Free of charge
    • Fee for evaluation of the credit risk (due at loan approval) 

    BGN 90 – up to BGN 10 000

    BGN 180 – from BGN 10 000,01 to BGN 30 000

    BGN 270 – above BGN 30 000,01

    • Early repayment fее and renegotiation fee, according to the Bank Tariff 

    All other not mentioned fees are according to the bank's Tariff.  

    Example for Loan without Payroll transfer: For loan amounts to BGN 5,000 , repayment period of 5 years., Interest rate 7.75%, the fees on the loan and monthly maintenance fee for bank account BGN 2.00 : Annual Percentage Rate (APR) 9,78 %, total amount due BGN 6 257,09 monthly installment BGN 102,78. APR does not include "Life" Insurance. 

    Documents needed:

    • Application form
    • ID card copy
    • Income document
    • Other documents, requested by the Bank






    Посредством кратката форма, може да получите предварително решение за предоставяне на кредит, базирано на основна информация, относно вашето семейно положение, трудово и финансово състояние. Настоящата форма, както и предварителното решение не ангажират нито Вас, нито Банката с договор за кредит. За да бъде изготвен цялостен анализ на Вашата кредитоспособност и да получите окончателно решение следва да попълните Пълна форма или да посетите клон на Банка Пиреос, където да предоставите допълнителни документи и информация.

    Посредством пълната форма за кандидатстване, може да получите окончателно решение за предоставяне на кредит. На база предоставената информация ще бъде изготвен анализ на Вашата кредитоспособност и взето решение за предоставяне на кредита. В случай на одобрение, ще ви бъдат изискани документи за дохода, за предоставеното обезпечение (в зависимост от типа на продукта), както и други документи по преценка на Банката. Настоящата форма, както и представеното решение не ангажират нито Вас, нито Банката с договор за кредит.


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