# Klear (Клиър Лендинг АД)

> Klear (klearlending.com) is a Bulgarian peer-to-peer (P2P) lending platform that connects borrowers with investors: individuals and businesses apply for online loans, and investors fund vetted loans to earn a return. Klear is a regulated Bulgarian non-bank financial institution — entered in the Bulgarian National Bank (БНБ) register of financial institutions under art. 3a of the Credit Institutions Act (ЗКИ), No. BGR00368 (company ID/ЕИК 203914736) — founded in 2015, majority-owned by ITF Group (a BEAM/BSE-traded fintech), and a signatory of the European Code of Good Conduct for microfinance. Content is primarily in Bulgarian; English equivalents are served under /en/.

All monetary amounts are in euro (EUR).
As of 2026-08-07, Klear has financed 4,622 loans for a total of €29,818,741 and has 1,911 active investors.

## Products
- [Потребителски кредит / Personal loan](https://www.klearlending.com/potrebitelski-kredit): Apply online for a personal loan from €500 to €25,000 — fixed interest, clear terms, fast process (average APR ~13.4%). [English](https://www.klearlending.com/en/personal-loan)
- [Инвестиране / Invest](https://www.klearlending.com/investitsii): Invest in vetted P2P consumer loans — automatic investing, buyback on eligible loans, and a secondary market to sell holdings. [English](https://www.klearlending.com/en/invest)
- [Как работи споделеното финансиране / How P2P lending works](https://www.klearlending.com/kak-raboti-spodeleneto-finansirane): How Klear matches borrowers and investors and how the platform operates. [English](https://www.klearlending.com/en/how-p2p-lending-works)
- [Управление на кредитния риск / Credit risk management](https://www.klearlending.com/upravlenie-na-krediten-risk): How Klear assesses borrowers and manages credit risk (scoring, risk segments A–D). [English](https://www.klearlending.com/en/upravlenie-na-krediten-risk)

## Company & trust
- [За нас / About us](https://www.klearlending.com/about-us): Company story (founded 2015), board of directors, ownership (ITF Group), and the regulatory credential (БНБ register No. BGR00368, ЕИК 203914736, art. 3a ЗКИ). [English](https://www.klearlending.com/en/about-us)
- [Статистика / Statistics](https://www.klearlending.com/statistics): Platform data — volumes financed, number of active investors, returns and portfolio performance. [English](https://www.klearlending.com/en/statistics)
- [Контакти / Contact](https://www.klearlending.com/contact-us): Phone, email and contact details. [English](https://www.klearlending.com/en/contact-us)

## Knowledge
- [Въпроси и отговори / FAQ](https://www.klearlending.com/faq/kreditirane): Extensive Q&A on borrowing, investing, business credit, taxation, payments and automatic investing. [English](https://www.klearlending.com/en/faq/invest)
- [Блог / Blog](https://www.klearlending.com/blog): Articles on personal finance, budgeting, loans and P2P investing. [English](https://www.klearlending.com/en/blog)

## Optional
- [Кредитен калкулатор / Credit calculator](https://www.klearlending.com/finansovi-instrumenti/krediten-kalkulator): Interactive loan-repayment calculator.
- [Klear Budget](https://www.klearlending.com/budget-tool): Free personal budgeting tool.
- [Тест за инвеститорски профил / Investor profile test](https://www.klearlending.com/investitsii-profil-test): Short questionnaire to determine an investor profile.
- [Безплатни е-книги / Ebooks](https://www.klearlending.com/ebooks): Free financial-literacy ebooks.