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потребителски кредит

Which are the MUST KNOW things before start investing in Klear?


1. Do not invest your emergency buffer. Peer to Peer investing is...

What is the legal background?


We’ve built a process consistent with the existing regulations in Bulgaria...

Isn’t Peer-to-Peer Lending another form of Ponzi scheme or Pyramid?


Peer to Peer Lending platforms are not new. The first one, Zopa, started...

Isn’t it just a lifting of what is called cooperatives in Bulgaria?


No. Although at first sight it may have some similarities, there are...

In what exactly am I investing? What do I own?


Through our platform you invest in consumer credit. You buy rights to...

Are the loans secured?


No, Klear is granting unsecured consumer loans to individuals, with an...

What is the profile of the borrowers?


We lend to the prime segment, meaning to people with a low risk...

What are the risks in this kind of investment?


Klear is not a bank. Your are not investing in deposits, so you’re not...

What kind of guarantee do I have in case a borrower stops paying its credit?


There is no guarantee stricto sensu. But Klear is doing its best to...

How is Klear assessing if a borrower can repay?


Based on more than 20 years of experience in managing consumer credit...

What kind of information do you see regarding the borrowers?


You will see, in an anonymised way, the information we used to assess the...

What happens if the borrower does not pay on time or stops paying?


In spite of all the attention paid when granting the loans and the...

What will happen in case Klear gets out of business?


In the unlikely case of Klear stopping its activity, investors will...