Statistics

Our latest data. Updated on 19.07.2024. For full transperancy.

43 019 298 BGN

Financed amount

3692

Financed loans

1980

Active investors

11 652 BGN

Average loan amount

Average interest rate of our loans

This is the weighted average interest rate of personal loans financed in the last 12 months. We use as weight the financed amount of each loan.​
Nominal Interest Rate
8.4%
Min. 3.9% Max. 15.7%

Average Annual Percentage Rate for the last 12 months

  • Production of Klear consumer credits
  • Source: BNB statistics

Our borrower

Average Age 37
Women
Men
University Degree 65%
University
High School
High School Professional
College
Preliminary
Elementary
Home owner 56%
Owner
Living with parents
Rent
Owner, with mortgage
Other
Labor contract 81%
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 50%
Above 5 years
2 years
1 year
3 - 4 years
Average Income 2 927 Sum of official income and statistically capped unofficial income of the borrower.
Married / With partner 48%
Single
Married
Living with a partner
Divorced
Widow
Avarage household income 3 656 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
27%
Consolidation
19%
Car or Motorbike
16%

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 94.3%
  • 1 Installment < 10 days 2.2%
  • 1 Installment ≥ 10 days 1.4%
  • 2 Installments 0.5%
  • 3 Installments 0.5%
  • 4+ Installments 1.1%

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 92% 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 30.06.2024.

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.