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потребителски кредит
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 fundamental differences:

Granting criterias
With Klear, anybody can apply for a credit. Applicants do not need to be part of the cooperative. As creditor, Klear is performing due diligence to assess the creditworthiness of any applicant, consulting external databases like the National Health insurance or the Credit Bureau, and using predictive algorithms called credit scoring.

Pooling of the money
In a cooperative, the money collected among the depositors is pooled. In Klear, each investor decides in which credits he wants to put his money. At any time, the investor can check in his portfolio where his money is currently invested and how the loans are performing.