10 Fast Loans Without Contract: Very Easy and Affordable



On this page, we gathered 10 of the most affordable easy and online fast loans without a contract, against an ID card and no proof of income. You know, it’s easy to get quick credits if you have an employment contract with an employer.

It often happens that you need resources, have urgent expenses, but you have no permanent employment contract, and cash problems have to be resolved urgently.

Then many people are looking for financial companies that offer quick cash withdrawal without a contract of employment. We’ll introduce you to 10 fast-paced loans without a contract and without proof of income. Financial companies are registered with the BNB under the Law on Credit Institutions and the Commission for Personal Data as Administrators.

1. Loan without proof of income and no interest and 6 months contributions from Transcard

  • The only one of its kind in Bulgaria
  • Money on a loan without proof of income at a credit limit of up to 1500 leva.
  • Interest-free and 6-month non-contributory loan with very low interest rates after these 6 months.
  • No guarantors, no guarantors, no collateral.
  • Designed to refinance outrageous quick credits with an easy online balance transfer


2. E-cash.bg

2. E-cash.bg

  • Fast loans without a contract, money the same day. It is also available to unemployed, on maternity leave, retired and self-employed.
  • Only for Bulgarian citizens aged 18 to 70.
  • Approval for minutes, without proven income and no collateral – virtually unlimited for each of us.
  • An amount of 50 to 1000 leva – up to 45 days, from 400 to 5 000 leva – up to 12 months.
  • Online application, the application is processed immediately, after approval, you receive the money immediately – by bank transfer or at EasyPay.

3. Vivus

3. Vivus

  • Fast loan without a contract, amounting from BGN 50 to 1,300, up to 30 days.
  • Online application without an office visit. Comfortable and transparent, answer within 15 minutes.
  • Security from an international company without guarantors and guarantors.
  • Requirements: Bulgarian citizens over 19 years old, to meet minimum credit requirements and provide all necessary information.
  • You can extend your loan term unlimited times within one calendar year.
  • Working hours 7 days a week, weekends and public holidays.

4. Credi Home by Micro Credit


  • Fast credit without a contract without proof of income.
  • Size from 200 to 3000 leva , from 9 to 48 weeks or from 3 to 12 months.
  • Easy approval, only against identity card, has no age limit after 18 years.
  • Fast loans without collateral and without guarantors.
  • The money is taken in cash by a representative of the company, an office or a cashier. If you prefer bank transfer to an account you specify.
  • Interest is fixed.

5. Max Online from Max Credit

5. Max Online from Max Credit

  • Quick credits without a contract, only with an identity card, aged 21 to 75 years.
  • Amount of 100 to 500 leva, return purchase or 3 fixed payments.
  • You know the final price beforehand, the credit is not costing anymore.
  • Fast Loans without Guarantor .
  • Documents are free, conditions are clear and accessible.
  • Fixed interest for the term of the contract.
  • Period up to the first payment – 32 days, maximum repayment term 3 months.

6. City Cash Month from City Cash Loan


  • Fast credit without a contract, personal attitude towards each client.
  • Amount – up to BGN 3,000 , repayment term from 4 to 11 months.
  • Monthly product for all individuals over the age of 18.
  • The only document you need to present is: a valid ID.

7. Credo

7. Credo

  • Fast credit without a contract. Up to 3,000 leva, 2 to 18 months.
  • No hidden fees.
  • No permanent income.
  • Free online application with the ID card details. Ability to view documents explicitly.
  • You choose a repayment plan yourself, you can make a quick reference for your remaining contributions.

8. Kinti.bg


  • Fast Loans Without a Contract. Fast credit up to 1000 leva, up to 12 months.
  • Application requirements: Bulgarian citizen over the age of 18, correctly filled in the application fields.
  • Fully online application free of charge, approval from 5 to 20 minutes, the contract is signed electronically.
  • The loan is secured by the guarantee of a natural person meeting the conditions.

9. Lucky Credit


  • Credit without a contract of 50 to 700 leva, according to your individual needs, 5 to 45 days.
  • Online application or in partner’s office, money to minutes – opinion only up to 10 minutes.
  • Application conditions: Permanent citizens of the country who are 18 years old with a valid identity card.
  • With the credit calculator provided, you calculate the total amount due.

10. Net Credit


  • There is no requirement for an employment contract or other work contract, accessible credit on the territory of the whole country.
  • Loan up to BGN 500 and Loan in installments up to BGN 3 000, for a period of 12 months.
  • Quick approval of the request, the money you receive today, without paper contracts.
  • Terms: age 18 to 65 years, good credit history and reliably provided data.
  • You can get information about the status of your loan.