Statistics

My Account

26 021 269 BGN

Financed amount

2402

Financed loans

1772

Active investors

10 833 BGN

Average loan amount

Average price of our loans

This is a weighted average price of all loans ever financed. We use as weight the financed amount of each loan.

Nominal Interest Rate

6.6%

Min. 3.5% Max. 14.4%

Annual Percentage Rate

8.3%

Min. 3.6% Max. 17.0%

Annual Percentage Rate - Klear vs Banks

Banks

Annual percentage rate (APR)

Source: BNB statistics
Production of Klear consumer credits

Our borrower

Average Age 36

Women

Men

University Degree 67%

University

High School

High School Professional

College

Preliminary

Elementary

Home owner 54%

Owner

Living with parents

Rent

Owner, with mortgage

Other

Labor contract 82%

Labor Contract

Management Contract

Sole Trader

Independent

MaternityLeave

Other

Civil Contract

Without Contract

Student

Retired By Illness

Season Worker

Retired

Over 3 years on current job 48%

Above 5 years

1 year

2 years

3 - 4 years

Average Income 2 548 Sum of official income and statistically capped unofficial income of the borrower.

Married / With partner 49%

Single

Married

Living with a partner

Divorced

Widow

Avarage household income 3 194 Sum of official income and statistically capped unofficial income of the borrower and the partner.

Approved with loans in delay 0%

With good credit history

Without credit history

Top financed projects

Home Improvement
23%

Consolidation
18%

Car or Motorbike
15%

Financed amount by segment

S

Return 4.0%

Interest 4.7% - Loss 0.7%
A

Return 4.7%

Interest 5.9% - Loss 1.2%
B

Return 5.7%

Interest 8.0% - Loss 2.3%
C

Return 6.7%

Interest 10.8% - Loss 4.1%
D

Return 7.7%

Interest 14.0% - Loss 6.3%

Outstanding split by delay

No Delay 95.9%
1 Installment < 10 days 2.2%
1 Installment ≥ 10 days 0.8%
2 Installments 0.4%
3 Installments 0.3%
4+ Installments 0.4%

Principal amortization

In amount (BGN)

It shows how the principal of all credits will be repaid in time, according to their current payment schedules

Liquidity

Listing all credits from a portfolio for sale results in 91% of them being sold within 5 days*.

*The example is based on statistical data for all credits since the beginning of the platform.

Funding sources of the loan portfolio

In amount (BGN)

Investors acquire parts of the portfolio. The remaining is owned by Klear and funded by Klear Share Capital and Treasury Lenders*

KLEAR
Treasury Lender *
Retail investors

* Treasury lender is an investor lending money to Klear for the purpose of financing loans.

Net repaid interest by borrowers (cumulative) until 30.04.2022.

In amount (BGN)

Repaid interest from borrowers
Defaulted loans

Consumer loans portfolio

Export in Excel format of detailed information for all consumer loans disbursed by Klear.

Download

We are financial institution registered in the Register per art. 3a of the Credit Institutions Act maintained by the Bulgarian National Bank.

We do our best to ensure your personal data is well protected.