Credissimo is a leading European FinTech Group founded in 2007. Our innovative proprietary technology combined with superior customer service enables us to deliver unmatched efficiencies and state-of-the-art consumer finance solutions.
Credissimo is a leading European FinTech Group founded in 2007. Our innovative proprietary technology combined with superior customer service enables us to deliver unmatched efficiencies and state-of-the-art consumer finance solutions.
Core Principles
Socially Responsible
We support internal and external social initiatives that help our community to grow and develop
Service Excellence
Delivering the best possible service to our customers is the ultimate goal we aim to achieve everyday
Constant Innovation
We always challenge the status quo through innovation that creates value and convenience for our customers
Teamwork
Our company is our team. Our culture is constantly nurtured by our integrity, loyalty and respect
Customer Centric
We believe that if we strive to serve our customers in the best possible way, we are destined to succeed as well
Our Strategy
We constantly strive to push the technological boundaries to their limits in order to be at the innovation frontier of the FinTech industry. Our Strategy revolves around the simple convenient solutions that enhance the lives of our clients.
Convenient Application
User Friendly Interface
Superior Customer Support
Omni Channel Marketing
Automated Loan Approval
Proprietary Scoring
Key Facts And Figures
35%
Net Income Margin
130
Employees
79,000
Loans Disbursed in 2017
1,000,000
Loan Applications
BBB-
Credit Rating Upgrade
78%
Returning Customers
320,000
Unique customers
5
Operational markets
Cash Collected
Loans Granted
in EUR millions
Since Inception
Since InceptionEUR 129MCash Collected
EUR 100MLoans Granted
Audited by:
Cash Collected
Loans Granted
in EUR millions
EU Financial Supervision & Compliance
Credissimo adheres to the highest regulatory requirements and is strictly supervised by multiple European Banking and Financial Services Regulators. Our company prudently follows compliance and regulation requirements in all of the markets where we operate.
Our Products
Short-term Loans
Credissimo’s short-term loans are processed online in seconds and the approved amount of up to 300 euro is instantly transferred to the customers with repayment period of 15 to 30 days.
Installment Loans
Instalment loans are processed online in seconds and the approved amount is transferred to customers who can apply for amounts of up to EUR 1,250 with repayment period of 3 to 24 months.
E-commerce POS Financing
Pay Later is a credit line that gives the customers the flexibility to delay payment up to 15 days on online purchases with 0% interest or pay overtime with bullet or installment payments.
Online Car Title Loans
Credissimo Super is a car title loan with a convenient model of application and near instant approval. It is securitized with the leased asset, owned by the lessee prior to the transaction.
10 Years of Innovations
Founded 2007
Credissimo Founded
Four entrepreneurs decided to disrupt the inefficient lending market by providing convenient online consumer loan products - made possible through adoption of the latest technologies
2010
Proprietary Process Automation
Credissimo developed in-house an innovative technology that introduced automated instant credit approval 7 days a week
2013
Mobile Adoption
Development of user-friendly mobile website and iPhone/Android apps helped the company reach over 1,000,000 online loan applications
E-Commerce & Utility Bill Payments
Driven by the vision to provide convenient solutions for its customers, Credissimo diversified its products and introduced E- Commerce financing and direct Utility Bill Payments. 300+ merchants onboarded
2014
Initial Public Offering (IPO)
On May 7 2014 Credissimo successfully listed 2.5 million shares on the public markets
Co-founded ARNL
Co-founded of the Association for Responsible Non-Banking Lending (ARNL)
2015
Big Data Scoring & Analytics
Adopting Machine Learning and Big Data technologies further enhanced Credissimo’s loan scoring algorithms
2016
Bitcoin Repayment Option
Credissimo pioneered a Bitcoin loan repayment option
Chatbot Integration
The company was also the first consumer lender in the world to launch an automated lending chatbot
2017
FinTech Awards
Reached Top 10 Alternative Finance in European FinTech Awards 2017. Received two Forbes Business Awards 2017 for “Financial Sector Innovations” and “Quality of Services”
Nexo
Credissimo is powering the world’s First Digital Asset Institution based on blockchain technology
Board of Directors
Sokol IankovCo-Founder & CEO Chairman of the Board
George KarpuzovCOO & Executive Director Board Member