Standart Loan

You need money but you are afraid from the burden of the monthly installments? We have created for you the Standart consumer Loan.

We offer you a loan up to BGN 50 000 at a jubilee interest rate of 7.8%!  The Bank does not collect fees for utilization and management of the loan!

You can receive Standart consumer Loan, if:

  • You work under permanent labour contract;
  • You have minimum 6 months of work experience at your current job.

Credit parameters

  • Amount – up to BGN 50,000 or their equivalent in EUR or USD;

  • Term – up to 10 years.

Interest conditions

  • The annual interest rate is to the amount of 9.9% regardless of the loan currency.


  • A preferential interest rate upon a transfer of min. 40% of the salary plus the monthly loan installment - 8,1% regardless of the loan currency

A possibility for additional rebates in the interest rates upon package sales:

  • 0,1% upon the sale of a loan and a credit card
  • 0,1% upon the sale of a loan and a debit card
  • 0,1% upon the presentation of a valid “Kasko” insurance policy of a vehicle, Protected home or Protected family with Armeec insurance company JSC
  • 0.2% for clients of CCB Sila pension fund

The rebates can be combined!

The annual percentage rate is to the amount of 8,44% for a loan to the amount of BGN 15 000, a repayment term of 7 years, with an included oneoff fee for reviewing the loan application and a floating interest rate 8% (analytical reference interest rate for consumer loans + a margin 7.6%). The total due amount BGN 19 698,74 and amount of the monthly installment BGN 233,79.

See the methodology of CCB Plc (92,6 KB) for determining the BIR of consumer loans.


  • without a guarantor for a loan up to BGN 10, 000*;
  • for a loan from BGN 10, 000 to BGN 15, 000 – one guarantor;
  • for a loan above BGN 15,000 – two guarantors.

*in some cases, at the discretion of the Bank, a guarantor or co-debtor may be required or the amount that is granted without a guarantor may be higher than BGN 10 000.

You can calculate alone the amount of the monthly installments using our CREDIT CALCULATOR for Standart consumer Loan.

Documents we expect you to submit:

All the necessary documents will be provided on the spot in the office of CCB.

 When you apply for the credit:

For your guarantor:

For your convenience you can make print out the required forms, fill them in and present them in the bank office where you serve your bank account. We will answer to your application within two business days.

How much will the credit cost you?

  • A fee for reviewing a loan application:

   BGN 30 for loans up to BGN 5000
   BGN 60 for loans from BGN 5000 to BGN 30 000
   BGN 150 for loans above BGN 30 000 


  • *5050  (The charging of calls is according to the tariffs and policies of the mobile operator, used by the client. The calls to a short number may not be included in the package of free minutes, for which CCB does not bear responsibility)
  •  02/9266 500, as well as at any office of Central Cooperative Bank


analytical reference interest rate for consumer loans (ARIRcl)

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