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All products in Consumer loans

Cash-secured Consumer Loan

If you or someone close to you has placed savings with DBank for a fixed term and urgently needs funds, there is no need to close the deposit and lose the interest earned: the Cash-secured Consumer Loan is the solution for you.
You can place the amount of your deposit on hold and use it as security for a loan that the Bank will grant you at a lower interest rate.
CurrencyEUR
Maximum Term84months
Interest Ratedeposit interest rate* + 2,50%*interest rate on funds placed with the Bank as at the loan disbursement date

Parameters:

  • Term of up to 84 months
  • Loan currency: EUR
  • Transparent and competitive interest rates throughout the term
  • Loan amount: up to 90% of the deposit amount for deposits in EUR; up to 75% of the deposit amount for deposits in USD
  • Security: a pledge of funds in an account with the Bank

Benefits

  • Simple application process
  • Keep your savings and the interest earned on them
  • No income assessment and no age restrictions
  • Transparent and competitive interest rates throughout the loan term

The loan interest rate is calculated as the interest rate on deposited funds at the date of disbursement +2,50% (fixed for the 1st year and variable for the remainder of the term, based on the benchmark Applicable Index for Individuals in Euro (PIFL-EURO) + a margin). Further information about interest rates on deposited funds is available in our Interest Rate Bulletin for Individuals.


The annual percentage rate (APR) is 3,94 % for a consumer loan secured by funds in a savings account in the amount of 7669,38 EUR/15 000 BGN, over 60 months, at an overall interest rate of 3,50% (calculated as the sum of the interest rate on deposited funds at the date of disbursement +2,50%) for the first year and a variable interest rate for the rest of the term (based on the Applicable Index for Individuals in Euro (PIFL-EURO) + a margin). The total amount payable under the loan is 8371,16 EUR/16 372,57 BGN, and the monthly instalment is 139,52 EUR/272,88 BGN.

Fees and commissions

Monthly fee for servicing a card payment account2.54 BGN/1.30 EUR
Early repaymentNo fee

How to apply for a loan:

  1. Complete a short form

    One of our advisers will call you and complete an application on your behalf, and we will let you know our decision later

    Apply for a loan online
  2. Call us

    Contact one of our advisers, who will tell you about our banking products.

    0700 40 400
  3. Visit one of our branches

    Prefer to speak to someone? Complete an application with a member of our staff at the bank

    View branch network