Statistics

Our latest data. Updated on 20.05.2022. For full transperancy.

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.