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  • Terra credit is the faster consumer credit in Bulgaria. The service is simple, honest and transparent. You will receive the amount for which you are approved on the day of the application. All you need to do is to visit us and our credit consultants will fill the application form on your behalf.
  • Credit amount: from 100 to 2000 BGN. These loans are without any kind of mortgage.
  • Repaymentis through weeklyormonthly installments according to the selected product and the household’s capacity. Installments are paid at Terra Credit offices every week or month to our Credit consultants.
  • If you repay your loan without delay, you will receive a discount of up to 50% of the amount of the last installment, which you have to repay*.
  • For granting of your credit it is required that your data is uploaded through the company’s software program. A copy of your identification and a signature is the only required documentation!
  • For extra convenience, our Credit Consultants will fill the required information on your behalf free of charge!
  • Bureaucracy and formalities are minimized; we offer our clients fast and competent services and maximum ease. If in some way, we cause you, though minimal, any kind of difficulties, don’t hesitate to call or email us at the advertised addresses!
  • Terra Credit offer its clients a completely free SMS notification for forthcoming installments.

Terra Credi LTD. does not only provide a solution to temporary financial problems, but offers much more – our clients receive confidence combined with human understanding and eagerness for assistance in our difficult everyday life.



Terra Mini/Maxi


Terra Mini/Maxi is a credit for individuals. The service is very fast and convenient. Our Credit Consultants will fill the formfor credit application on your behalf.


Main features:


  • Equal weekly installments;
  • Amount of the credit – from 100 to 2000 BGN;
  • For amounts over 400 BGN, a guarantеe is required;
  • The terms that can be applied for a Terra Mini/Maxi are 10,16,20,24,30,36,42 and 52 weeks;
  • Fee foruse ofcredit – according to the amount awarded;

Terra 30


Terra 30 is a credit directed towards individuals who receive their income on a monthly basis. The service is very fast and convenient. Our Credit Consultants will fill the form, on your behalf, for credit application.


The main features are:


  • Equal monthly installments;
  • Amount of the credit – from 100 to 2000 BGN;
  • For amounts over 400 BGN, a guarantеe is required
  • The terms that can be applied for are 1,2,3,4,5,6,7,8,9,10,11 and 12 months;
  • Fee foruse ofcredit – according to the amount awarded;

Terra Comfort


Terra Comfort is a credit for individuals. The service is very fast and convenient. Our Credit Consultants will fill the form, on your behalf, for credit application, after you present the required documentation.


Main features:


  • Monthly installments;
  • Amount of the credit – from 2000 to 100 000 BGN;
  • Collateral is imperative;
  • The terms that can be applied for are3 , 4 , 5 , 6 , 7, 8, 9, 10 , 11 and 12 months;
  • Possible mortgage;

Car leasing


  • Date of first registration of the leasing vehicle – up to 7 years /at the end of the lease./
  • Vehicle value above 8000 BGN.
  • Advance payment – 30%.
  • Number of monthly leasing installments – 6 to 24.
  • Annual interest – from 15% to 20% according to the year the vehicle was produced.
  • Otherstart-up costs:

    - Cascoinsurance – first installment/the Casco insurance is divided in 4 equal installments every 3 months./
    - Marking of the vehicle
    - Registration by traffic police
    - Tax paperwork 2.5% -/once/
    - Motor vehicle tax
    - Liability /once/
    - Eco tax
    - Financial risk 2%
    - Notary fees
    - authorization driving
  • Confirmation for financing by three workdays.

Terra credit – examples »


General conditions for granting consumer credit »


*If you are our loyal customer, you will receive a discount of up to 50% of the amount of the last installment only for credits with terms above 6 months.