Technology Driven Consumer Finance

Credissimo is a leading European FinTech Group founded in 2007. Leveraging advanced proprietary technology and exceptional customer service, we offer unparalleled efficiencies and cutting-edge 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 are consistently pushing the edges of technology to maintain our position at the forefront of the FinTech sector. Our strategy centers on straightforward and convenient solutions that enrich our clients' lives

Convenient Application

User Friendly Interface

Superior Customer Support

Omni Channel Marketing

Automated Loan Approval

Proprietary Scoring

Key Facts And Figures

15%

Annual Portfolio Expansion Since 2016

200

Employees

>650k

Loans Distributed Since 2017

2,500,000

Loan Applications

BBB

Credit Rating Upgrade

70%

Returning Customers

700k

Unique Customers

Operational Markets

EU Financial Supervision & Compliance Credissimo strictly complies with top-tier regulatory standards and is rigorously overseen by several European Banking and Financial Services Authorities. We diligently uphold compliance and regulatory standards in every market we serve

Our Products

Short-term Loans Short-term loans online within moments, and once approved, transfers up to EUR 500 immediately to the customers. These loans have a repayment duration of 15 to 30 days

Installment Loans Instalment loans get processed online swiftly, and once approved, the amount is immediately transferred to the customers. They can request sums up to EUR 3,000 with a repayment term ranging from 3 to 24 months

BNPL Credit line that allows customers to defer online purchase payments for up to 15 days at 0% interest. Alternatively, they can choose to pay over time with lump sum or instalment options

Online Car Title Loans Car title loans featuring a user-friendly application process and almost immediate approval. The loan is backed by the leased asset, which was owned by the lessee before the deal

18 Years of Innovations

Founded 2007

Credissimo Founded Four visionaries set out to revolutionize the outdated lending market by offering user-friendly online consumer loan solutions, facilitated by embracing cutting-edge technologies

2010

Proprietary Process Automation Credissimo pioneered an in-house technology that enables automated instant credit approval 7 days a week

2013

Mobile Adoption By creating a user-friendly mobile website and iOS/Android apps, the company achieved more than 1,400,000 online loan applications

E-Commerce & Utility Bill Payments Motivated by a vision to offer user-friendly options for its clientele, Credissimo expanded its product range to include E-Commerce financing and direct utility bill payments. As a result, over 300 merchants joined the platform

2014

Initial Public Offering (IPO) On May 7, 2014, Credissimo successfully went public by listing 2.5 million shares on the stock market

Co-founded ARNL Co-founded the Association for Responsible Non-Banking Lending (ARNL)

2015

Big Data Scoring & Analytics By embracing Machine Learning and Big Data technologies, Credissimo significantly improved its loan scoring algorithms

2016

Chatbot Integration The company also pioneered as the world's first consumer lender to introduce an automated lending chatbot

FinTech Awards Secured a spot in the Top 10 Alternative Finance at the European FinTech Awards 2017. Won two Forbes Business Awards in 2017 for "Innovations in the Financial Sector" and "Service Quality"

2018

Sale & Leaseback Credissimo expanded its product range with the introduction of Maxo – an online loan secured by a client-owned vehicle that offers almost immediate approval. This new venture provides greater loan amounts, extended durations, and a varied risk profile

2019

Credissimo Card The company began operating the product in Q2 2019 in partnership with one of Europe's largest credit card issuers. The ultimate goal of the products is to create an individual client-centered credit line

2022

Car Lease The Fintech Group broadened the offerings of its specialized digital lending platform, Maxo, which now provides lease and leaseback opportunities for both individual and business clients

Xtra.bg Introducing a fresh brand and product category tailored for younger demographics, Xtra integrates cutting-edge technology with competitive lending, offering a unique user experience through a straightforward and user-friendly interface

2023

Plati Posle A BNPL (Buy Now Pay Later) financial tool bundled with an innovative shopping model that permits users to distribute payments for any product or service over a 30-day span without any interest

2024

Umo Designed for fast-paced thinkers, Umo offers an instant, fully controlled digital credit experience. Its intelligent, one-click top-up feature simplifies financial flexibility and smarter everyday decisions

2025

Xtra.mk Xtra expands into North Macedonia, continuing its mission to deliver tech-powered, affordable lending for younger users—while staying true to its sleek, intuitive experience built for a new generation

Board of Directors

Sokol Iankov Executive Director
Chairman of the Board

Ivelin Kamburov Executive Director
Chief Financial Officer
Board Member

George Karpuzov Chief Operating Officer
Board Member

Emiliyana Neeva Chief Legal Officer
Board Member

George Roukov Director International Expansion
Board Member

Awards

Top 10 in FinTech “Reached the Top 10 Alternative Finance companies in 2017” European FinTech Awards

Fitntech Innovations “Technology innovations in the financial services industry in Bulgaria” Forbes Business Awards

Company of the Year “Awarded 2024 Company of the Year — Financial Institutions” Annual Business Awards

Top 3 in Finance “Ranked among Bulgaria’s Top 3 Financial Companies of 2025” Forbes Business Awards

Press Coverage

Credissimo is the First Company in the World to Launch a Chatbot Service for Online Consumer Loans

Geographical Presence

Bulgaria

Population: 7 million
GDP: 52.4 billion USD

Macedonia

Population: 2 million
GDP: 10.9 billion USD

Poland

Population: 38 million
GDP: 469.5 billion USD

Spain

Population: 47 million
GDP: 1.232 trillion USD

Colombia

Population: 49 million
GDP: 282.5 billion USD

Malta

Credissimo Holding

Romania

Population: 20 million
GDP: 186.7 billion USD