Klear provides an opportunity to invest in personal loans to creditworthy borrowers. You earn from the interest they pay.
There is a risk not to recover the whole amount of your capital.
Klear is not a bank, doesn’t collect deposits and your money is not guaranteed by the Bulgarian Deposit Insurance Fund or any other guarantee.
I've been investing in the platform for half a year and my impressions are 100% positive. Easy interface, understandable explanations for the new comers or the less knowledgeable and help from the team if you need it.
For the moment at least the defaulting debtors in your portfolio are negligible number compared to the regular debt. There is no regular banking instituion in Bulgaria which has indicators like yours.
Thank you for having made such investment opportunity possible and affordable for everyone. It's definitely an alternative to the “regular” lending options and it's worth it.
No wonder there are so many people having grabbed that chance either as investors or debtors or both.
"I definitely like Klear cause. The comparison is definitely in favor of peer-to-peer financing, especially for the cost of credit.
As I am pleased with the Klear model and as an investor, I try to popularize it among my acquaintances."
"I really like your company. Especially since my first deposit was overcharged and your customer support girl was so nice to call me and refund the extra charge. I find the UX of the site at a high level. I believe that what you do is the future of credit.
Nobody likes the banks, but what they do is important and someone should do it better."
Your return is the difference between the interest paid on loans and the expected level of risk.
Choose loans with lower risk (S-A-B) or with the highest returns (C-D). Or invest in all.
Interest 4.7% - Loss 0.5%
Interest 5.9% - Loss 1.2%
Interest 8.0% - Loss 2.3%
Interest 10.8% - Loss 4.1%
Interest 14.0% - Loss 6.3%
Dispersion of returns by number of loans (learn more)
By investing small amounts in many loans, your return will converge towards the expected levels.
We take care of the selection of creditworthy borrowers to keep the risk under control.