Loan data: applications, interest rates and salaries
Here we publish what people tell us when they apply for a loan: how much they want, what for, how much they earn and what loans they already repay. The data comes from 36,056 CREDiPORT applications from October 2023 to October 2026 and 14,564 CreditArena applications from June to October 2026.
Next to these are the official figures that people thinking about a loan look for most often: the Bulgarian National Bank (BNB) interest rates and the National Statistical Institute (NSI) salary data. Each page has a methodology, a CSV with the summarised figures and a ready-made text to cite.
Interest rates on consumer loans at banks
The average interest rate is 8.83% and the APR 9.11% in September 2026. For a loan with a term of over 1 and up to 5 years the APR is 15.17%. The full series since 2007 in CSV.
See the data → DataLoans in euro: how much people ask for since the switch to the euro
The typical amount was €1,000 until June 2026 and is €2,000 for July–October. The amount by purpose and the months with the most applications.
See the data → DataWho is already repaying a loan when they ask for a new one
85% of applicants already repay a loan. With 6 or more loans, 71% want the money to pay off the old ones.
See the data → NSI dataAverage salary in Bulgaria and the loan it allows
€1,444 gross in the second quarter of 2026, €1,943 in Sofia. What is left net and how much of a loan it supports.
See the data → Data4 in 10 people with non-bank loans live in their own home
40% of CREDiPORT applicants with a non-bank loan live in their own home. What they pay on their non-bank loans and what consolidating them against the property gives.
See the data → DataHow much credit people ask for relative to their salary
Usually about two monthly salaries, at almost any income. How much your salary allows and what reduces the amount.
See the data → Data handbookHome renovation loan
Half of people ask for up to €1,023 over 24 months, and one in seven for over €10,000. Which loan works out cheaper at which amount.
Read the guide → Data handbookLoan without a guarantor
What income is enough for €5,000, €10,000 and €25,000, and how much the people who ask for that much earn.
Read the guide → AnalysisWhat Bulgarians want loans for
From April 2023 to April 2026, 42% of applications were to repay other loans and 22% were for home renovation. Purposes of 47,000 applications.
To the analysis (in Bulgarian) →Where the data come from
CREDIPORT AD, which stands behind CREDiPORT and CreditArena, is entered in the BNB register of credit intermediaries under No. BCI000061. People submit a loan application through crediport.bg and creditarena.bg, and we send it to the lenders.
We publish only summary figures for groups of at least 50 people. Names, personal identification numbers (EGN), telephone numbers and addresses do not take part in the analysis. Amounts from before 2026 are in leva and have been converted into euro at the rate of 1.95583.
Applicants are not a sample of all Bulgarians. The figures describe the people who look for a loan with us, and how they themselves describe their income and debts.
The interest rates come from the BNB interest rate statistics and the salaries from the National Statistical Institute (NSI). We reproduce them without changing the figures, and each page says which month they are from and when the next release is due.
How to cite
Cite CREDiPORT, the page title, the month of the data and the address. The data pages and guides have ready-made text in the “How to cite” section and a CSV with the figures. For questions about the data write to office@crediport.bg, and materials for the media are in the media centre (in Bulgarian).
Looking for a loan?
The figures here describe what other people ask for. What you will be offered depends on your income and on the loans you already repay, and you find out after you apply.
To a consumer loan