fFLEX FINANCE ADФЛЕКС ФИНАНС АД · Sofia BNB register, Art. 3a CIA · BGR00495

Loans and leasing, stated in full before you sign.

FLEX FINANCE AD is a financial institution entered in the Bulgarian National Bank's register under Article 3a of the Credit Institutions Act. It lends from its own funds and provides financial leasing. It does not take deposits.

  1. § 1RegistrationBNB
  2. § 2What we provide2 activities
  3. § 3How an application works5 steps
  4. § 4Your rights as a borrowerЗПК
  5. § 5Fraud notice!
  6. § 6Contact & complaintsSofia

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Uses the same EU method as the APR

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Offer B

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Offer B · effective APR
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Example figures, not our offers. Enter the numbers from any lender's Standard European Consumer Credit Information form. The calculation runs only in your browser.

§ 101

Registration

FLEX FINANCE AD (ФЛЕКС ФИНАНС АД) is a Bulgarian joint-stock company. It is entered in the public register of financial institutions kept by the Bulgarian National Bank under Article 3a of the Credit Institutions Act.

BNB register No.
BGR00495
Entry order
БНБ-66331 / 21.05.2024
UIC (EIK)
207648813

Check any lender before you borrow. The BNB publishes its register of financial institutions on its website, and the entry should match the lender's name, UIC and address.

§ 202

What we provide

Only the activities in our BNB registration:

  • Loans from own funds. Loans to individuals and businesses, financed from the company's own capital and never from deposits taken from the public. Consumer loans follow the Consumer Credit Act.
  • Financial leasing. We buy the vehicle or equipment you choose and lease it to you. Ownership passes to you at the end of the term, on the conditions in the contract.

We do not take deposits, do not offer investment products and do not work through paid intermediaries. Whether to lend, and on what terms, is decided case by case after an assessment of your ability to repay.

§ 303

How an application works

  • Enquiry. Contact us directly by phone or email. No agent acts for us or is entitled to payment from you.
  • Assessment. We check your identity and income, and consult the BNB Central Credit Register, as the law requires. There is no application fee.
  • Pre-contract information. Consumers receive the Standard European Consumer Credit Information form with the APR, the total amount payable and every charge.
  • Contract. You sign only when you are ready and receive your own copy. Funds go to your bank account, or to the supplier for leasing.
  • Repayment. You pay into the company's own bank account, and you can ask for a statement of your balance at any time.
§ 404

Your rights as a borrower

The Consumer Credit Act (ЗПК) gives every consumer these protections with any lender:

  • Clear information before signing. This includes the APR and the total amount payable, in the standard EU format.
  • 14 days to withdraw. You can withdraw from a consumer credit agreement within 14 days of signing without giving a reason.
  • Early repayment. You can repay all or part of the loan at any time, and the total cost of credit falls accordingly.
  • An APR ceiling. The APR on consumer credit may not exceed five times the statutory interest rate on late payments.
  • Your credit record. You can ask the BNB for your own Central Credit Register report free of charge.

Before borrowing from us: ask your own bank too. Compare offers by their APR and total amount payable, not by the monthly payment. If debts are already hard to manage, a new loan rarely solves the problem. Talk to your creditors about a payment plan first.

§ 505

Fraud notice

Flex Finance will never

  • Ask for any fee, "insurance" or "guarantee" before you sign a contract.
  • Promise approval regardless of your income or credit history.
  • Ask for card details, online-banking passwords or one-time codes.
  • Ask for payment into a personal account or in cryptocurrency.
  • Contact you from a phone number or email address other than those listed in § 6.

If someone does this in our name, do not pay. Report it to the police and tell us at mail@flexfinancejscad.com.

§ 606

Contact & complaints

Office
42 Okolovrasten Pat St., Butterfly Business Building, ground floor, Vitosha district, 1415 Sofia, Bulgaria

Send complaints in writing to the email above, and we will reply in writing. If you are not satisfied, consumers can contact the Commission for Consumer Protection. Questions about our registration can go to the Bulgarian National Bank.

Personal data is processed to assess applications and administer contracts, in line with the EU General Data Protection Regulation. This site is general information, not an offer or legal advice.