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потребителски кредит
Klear екип

Higher return on your investment

Boost the return on your savings by investing in creditworthy borrowers.

Start Investing

Start with as low as BGN 100
Investments are in Bulgarian Levas (BGN). Klear issues loans to Bulgarian citizens in the domestic currency.
The Bulgarian Lev is pegged to the Euro since 2001 and its exchange rate (1.95583 BGN for 1 EUR) has not changed since.
Expected yearly return 5.5%
No fees for lenders

Get your fair share

Explore the benefits of the Sharing Economy.

peer to peer lending

Connecting borrowers directly with lenders allows us to significantly reduce the spread of traditional banking. We provide fair and transparent conditions to everyone.

Invest in loans

Lend your money to individuals who want to borrow. Receive payments from them every month.

peer to peer lending invest

Return is significantly higher than rates on bank deposit.

Only the most creditworthy borrowers are approved by Klear.

Your money will help people like you realize their projects.

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.

Invest to achieve your goals

Build your portfolio of loans based on your risk appetite and expected return.

A
B
C
D
Interest 5.9% 8.0% 10.8% 14.0%
Loss 1.2% 2.3% 4.1% 6.3%
Return
For example, if you invest in loans of segment B: borrowers pay 8.0% yearly interest rate. Each year 2.3% of the borrowed amount is not paid, which leaves you a yearly net return before tax of 5.7%.
4.7% 5.7% 6.7% 7.7%

Average
return

5.5%

The is a weighted average of the returns per segment. We use the actual weights of the segments in the whole portfolio of loans financed so far by Klear.
This would therefore be your return if you invest the same amount in each and every loan financed by Klear.
We update on a monthly basis this indicator, using the most recent data from the loans in portfolio. Until now, we mainly financed loans from segments A and B.

Each borrower is thoroughly assessed. Depending on its probability of repayment, the borrower is allocated to a risk segment (A, B, C or D).

Expected net return for investors is higher for the riskiest segments because, in case of economic downturn, the return on these segments would be more negatively impacted.

Simple rule to follow

Make wise fractional investments in several loans across different borrowers

Klear екип

Buy fractions of the loans

Invest small amounts in pieces of many loans.

Diversify your investment

Spread your money over many loans to reduce the risk of your investment.

Ensure your return

Well diversified investments ensure stable returns.

In case a borrower stops to pay

Klear will take all necessary actions to collect overdue amounts. They include:

  • We will call the borrower to find an amicable solution.
  • We will report the delinquent borrowers in the Central Register of the BNB.
  • We will take legal actions to recover the debt.

Join us. It's easy

All you need is a valid ID card, personal bank account and European citizenship. Start investing from 100 BGN. Investments are in Bulgarian Levas (BGN). Klear issues loans to Bulgarian citizens in the domestic currency.
The Bulgarian Lev is pegged to the Euro since 2001 and its exchange rate (1.95583 BGN for 1 EUR) has not changed since.

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Why to trust us?

We have many years of experience in the financial industry. We are standing with our names and faces behind what we do.