Technology Driven Consumer Finance

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
22%
Revenue Growth
150
Employees
102,800
Loans Disbursed in 2019
1,400,000
Loan Applications
BBB
Credit Rating Upgrade
73%
Returning Customers
370,000
Unique customers
5
Operational markets
Cash Collected
Loans Granted
in EUR millions
Credissimo loans granted and cash collected 2015
Credissimo loans granted and cash collected 2016
Credissimo loans granted and cash collected 2017
Credissimo loans granted and cash collected 2018
Since Inception
Since Inception EUR 231M Cash Collected
EUR 184M Loans Granted
Audited by: Deloitte logo
Cash Collected
Loans Granted
in EUR millions
EU flag
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 Short-term Loans Credissimo’s short-term loans are processed online in seconds and the approved amount of up to EUR 500 is instantly transferred to the customers with repayment period of 15 to 30 days. Installment Loans 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 2,000 with repayment period of 3 to 24 months. E-commerce POS Financing 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 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.






13 Years of Innovations
credissimo was born Founded 2007
 
Credissimo Founded 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
 
Process Automation Proprietary Process Automation Credissimo developed in-house an innovative technology that introduced automated instant credit approval 7 days a week
2013
 
Mobile Adoption Mobile Adoption Development of user-friendly mobile website and iPhone/Android apps helped the company reach over 1,400,000 online loan applications
 
Utility Bill Payments 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 Initial Public Offering (IPO) On May 7 2014 Credissimo successfully listed 2.5 million shares on the public markets
 
Association for Responsible Non-Banking Lending Co-founded ARNL Co-founded of the Association for Responsible Non-Banking Lending (ARNL)
2015
 
Big Data Scoring Big Data Scoring & Analytics Adopting Machine Learning and Big Data technologies further enhanced Credissimo’s loan scoring algorithms
2016
 
Facebook chatbot icon Chatbot Integration The company was also the first consumer lender in the world to launch an automated lending chatbot
 
FinTech Awards icon 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”
2017
 
Nexo - The World's First Instant Crypto-backed Loans icon Nexo Credissimo is powering the world’s First Digital Asset Institution based on blockchain technology
2018
 
Sales & Leaseback icon Sale & Leaseback Credissimo has diversified its product offering by introducing Maxo – an online loan with near-instant approval secured by vehicle owned by the client. The new company offers larger amounts, higher tenors and diversified risk
2019
 
Credissimo card icon Credissimo Card The company began operating the product in Q2 2019 by using one of the largest credit card issuing partners in Europe. Тhe ultimate goal of the products is to create an individual client-centered credit line
Board of Directors


Sokol Iankov Co-Founder & CEO
Chairman of the Board
George Karpuzov COO
Board Member
Kosta Kantchev Co-Founder & President
Board Member
Ivelin Kamburov Group CFO
Board Member
Emiliyana Neeva Head of Legal Department
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


EY Bulgaria - CFO of the Year 2016 winners Credissimo Wins Twice at Forbes See news - Bulgaria’s Credissimo signs key partnerships with Bitcoinpay, Facebook - See more at: https://seenews.com/news/bulgarias-credissimo-signs-key-partnerships-with-bitcoinpay-facebook-580936#sthash.hbI8ei2Y.dpuf Puls Biznesu - Bułgarzy zaoferują pożyczki Polakom


Geographical Presence


Credissimo in Europe