Loans & Investors Statistics

My Account

28 958 812 €

Financed amount

4 535

Financed loans

1 892

Active investors

6 386 €

Average loan amount

Average Annual Percentage Rate for the last 12 months

Production of Klear consumer credits
Source: BNB statistics

Our borrower

Average Age 38

Women

Men

University Degree 64%

University

High School

High School Professional

College

Preliminary

Elementary

Home owner 58%

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 52%

Above 5 years

2 years

1 year

3 - 4 years

Average Income 1 634 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 2 045 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
30%

Consolidation
20%

Car or Motorbike
16%

Financed amount by segment

S

Return 4.0%

Interest 4.7% - Loss 0.7%
A

Return 6.0%

Interest 7.5% - Loss 1.5%
B

Return 7.0%

Interest 9.0% - Loss 2.0%
C

Return 8.0%

Interest 12.0% - Loss 4.0%
D

Return 9.0%

Interest 15.0% - Loss 6.0%

Outstanding split by delay

No Delay 91.0%
1 Installment < 10 days 3.6%
1 Installment ≥ 10 days 3.4%
2 Installments 0.4%
3 Installments 0.8%
4+ Installments 0.8%

Principal amortization

In amount (EUR)

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 (EUR)

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 31.05.2026

In amount (EUR)

Repaid interest from borrowers
Defaulted loans

Consumer loans portfolio

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

Download

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