Who Gives Credit with Bad CCR?

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If you are wondering who is giving credit to a bad CCR and where to get one, we will answer this question on this page and point out several financial institutions that lend to people with bad CCR and bad credit history without a guarantor without proof of income and bea labor contract.

The way of repaying current withdrawn loans, overdue outstanding loans, fully repaid credit obligations for a period of 5 years, all this forms the credit history of each of us. The loans we have benefited and spent on our needs, how we repaid them – just according to the signed repayment plan, whether we have strictly observed the dates and the amount of the monthly installments or we are late and not repaid correctly, is extremely important information for each creditor .

If we have a bad CCR, we have no chance of getting credit from a bank. They are always guided by credit history; it is an irrevocable requirement for approval when receiving different credit products. If we have not paid regularly and on time, we are already characterized as unreliable and unscrupulous payers – who will give us credit?

Additional funding from a financial institution would be a chance for us, a new start. So we would deal with old duties and responsibilities, we would build a good relationship with a new lender. Who would give credit with a bad CCR and under what conditions, who will believe us again? We’ll introduce you to proposals from authorized financial companies that lend bad credit to a CCR to compare the parameters, analyze the conditions thoroughly, and choose the solution that is optimal for you.

1. ACCESS FILEs – White Card


  • Secure financing, a flexible financial instrument, a financial institution that gives credit to a bad CCR.
  • International credit card with a credit limit of up to BGN 3,000 , valid for 2 years from the date of issue.
  • You can order online or by phone and get it for free at the address you specify. Free SMS notification.
  • Liability requirements – 21 years of age, valid ID card and income. You do not need to be employed – a loan without a labor contract .
  • From the personal online account, you manage money, track the availability, get information about the transactions you make and the current obligation.
  • There are no fees for issuing, reissuing and servicing. No tolling fees from ATMs in Bulgaria.
  • Minimum amount due: Determined as a percentage of your approved credit limit, paid on a specific date of the month. If you spent less than the minimum amount due, you make a full repayment of the amount spent plus accrued interest for the period.
  • Possibility to postpone your payment to that portion of the principal you have spent after the 20th of the month until the end of the month – you are repaying not the next but the next month from 1 to 5.
  • If you are in difficulty and can not pay your installment at the due date, you may specify a guarantor, a guarantor, which saves the late payment charge on the contractual obligation.
  • 24/7 customer service.
  • Attractive product promotions, affiliate network for permanent discounts.

2. VIVACREDIT – Optima


  • Gives credit with a bad CCR, you determine yourself what you will use the money for.
  • Amount of BGN 5000 to 90000, repayment term from 12 to 60 monthly installments. Repayment installments are equal.
  • Collateral: real estate, it is desirable to be in the big cities of the country. Within 20 days of receipt of the loan, you provide a solidary debtor that meets the requirements specified in the contract.
  • Apply with an online request, credit over the phone or in all the offices of the company.
  • Advance approval within 24 hours, you get the money within 3 days after entering the first mortgage by bank transfer. You return the money by bank transfer or at Easy Money.
  • Consumer credit with fixed interest for the whole period.
  • There is a fee for consideration of a proposal to conclude a loan agreement.
  • Free evaluation of the property.
  • With the first 12 monthly repayments you pay only contractual interest.
  • You can refinance your credit.

3. CREDIT GROUP – Mortgage Loan

3. CREDIT GROUP - Mortgage Loan

  • Gives credit with a bad CCR for any unexpected costs in your life.
  • Correct and transparent relationships.
  • Amount – credit up to BGN 100000, term from 3 to 84 months.
  • Collateral: first mortgage on a property in the major cities of the country.
  • Advance approval within 24 hours. No fees and the need to visit an office of the company.
  • Credit without proof of income or submit a business plan.
  • Free view and evaluation of the property, professional consultation by a competent law firm.
  • You credit the bank credit, within 5 days of submitting the required documents.
  • The transactions are confessed to a notary, there are no hidden costs and fees.
  • Flexible repayment plans.
  • A document is issued for current and completed obligations.



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