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
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
20%
Annual Portfolio Expansion Since 2016
180
Employees
>425k
Loans Distributed Since 2017
2,000,000
Loan Applications
BBB
Credit Rating Upgrade
70%
Returning Customers
520k
Unique Customers
5
Operational Markets
EU flag
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 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 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 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 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






17 Years of Innovations
credissimo was born Founded 2007
Credissimo Founded 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
Process Automation Proprietary Process Automation Credissimo pioneered an in-house technology that enables automated instant credit approval 7 days a week
2013
Mobile Adoption Mobile Adoption By creating a user-friendly mobile website and iOS/Android apps, the company achieved more than 1,400,000 online loan applications
Utility Bill Payments 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 Initial Public Offering (IPO) On May 7, 2014, Credissimo successfully went public by listing 2.5 million shares on the stock market
Association for Responsible Non-Banking Lending Co-founded ARNL Co-founded the Association for Responsible Non-Banking Lending (ARNL)
2015
Big Data Scoring Big Data Scoring & Analytics By embracing Machine Learning and Big Data technologies, Credissimo significantly improved its loan scoring algorithms
2016
Facebook chatbot icon Chatbot Integration The company also pioneered as the world's first consumer lender to introduce an automated lending chatbot
FinTech Awards icon 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
Sales & Leaseback icon 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 icon 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
Sales & Leaseback icon 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
Credissimo card icon Xtra 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
Plati Posle icon 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
Board of Directors


Sokol Iankov Chief Executive Officer
Chairman of the Board
George Karpuzov Chief Operating Officer
Board Member
Ivelin Kamburov Chief Financial Officer
Board Member
Emiliyana Neeva Chief Legal Officer
Board Member
Bilyana Christova Chief Marketing Officer
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
Favourite Brand “Favorite Financial Institution and Favorite Brand” MyLoveMarks
Social Responsibility “Contributing to the overall social responsibility and charity” Business Lady
Press Coverage


Credissimo Wins Twice at Forbes Fintech Innovator Credissimo seals a long-term partnership with Crowd Credit, Japan Credissimo is the First Company in the World to Launch a Chatbot Service for Online Consumer Loans See news - Fintech company Credissimo embraces innovation to expand further


Geographical Presence


Credissimo in Europe