General terms and conditions of the campaign “33% discount from the standard fixed annual interest rate”

1. Campaign organizer

1.1 This promotional campaign “33% discount from the standard fixed annual interest rate” (the “Campaign”) is organized by UteCredit Bulgaria EOOD, UIC 205559807, with registered office and address of management: Sofia. Sofia, P.O. Box 1505, Oborishte District, ul. 38 Cherkovna Street, fl. 1, office 4, represented by the manager Temenuzhka Gogova, hereinafter referred to as “the Creditor” or “iute”.

1.2 The campaign provides an opportunity to conclude a consumer loan agreement for a certain value and period (loan 900.00 EUR / 1,760.25 BGN for a period of 12 months) at a promotional fixed annual interest rate, formed by applying a 30% discount on the standard fixed annual interest rate for the specific loan product specified in these General Terms and Conditions.

2. Campaign period

2.1 The Campaign is valid for the period from 11.07.2026 to 10.08.2026 inclusive (hereinafter referred to as the Campaign Period).

2.2 The discount can only be used when an application for a loan is submitted within the Campaign Period.

3. Credit product to which the campaign applies

3.1 The campaign applies only to a consumer loan in the amount of EUR 900.00 / BGN 1,760.25, with a repayment period of 12 months.

3.2 The discount does not apply to other loan amounts, to other repayment terms or to other credit products.

4. Essence and method of application of the discount

4.1 Within the framework of the Campaign, approved clients receive a 33% discount on the standard fixed annual interest rate applicable to the loan under item 3.

4.2. The standard fixed annual interest rate for a loan of EUR 900.00 / BGN 1,760.25 with a term of 12 months, published in the loan calculator on the Lender’s website before the start of the Campaign, is 40.10%. After applying a 33% discount on the standard fixed annual interest rate of 40.10%, the promotional fixed annual interest rate for the Campaign Period is 27.02%.

4.3 The discount is reflected in the individual terms of the credit agreement when all conditions for participation in the Campaign are met and the client is approved after a creditworthiness assessment.

5. Conditions for participation

5.1 In order to benefit from the promotional conditions, the customer must simultaneously meet the following conditions:

to apply for a loan during the Campaign Period;
to conclude a loan agreement worth EUR 900.00 / BGN 1,760.25 with a repayment period of 12 months.

5.2 The Lender reserves the right to refuse a loan when the client does not meet the legal requirements, the creditworthiness criteria or the internal risk assessment rules.

6. Restrictions on the use of the discount

6.1 The discount cannot be exchanged for a sum of money, voucher, bonus or other benefit.

6.2 The discount cannot be combined with other promotions, bonuses, promo codes, preferential conditions or individual price offers, unless the Lender has explicitly stated otherwise.

6.3 The discount is applied once and only under the credit agreement concluded under the terms of this Campaign.

7. Representative examples

7.1. Representative example without applying the discount:

For a loan of EUR 900.00 / BGN 1,760.25, a repayment period of 12 months, a fixed annual interest rate of 40.10% and an annual percentage rate of expenditure of 48.34%, the monthly installment is EUR 102.53 / BGN 200.53 and the total amount to be paid is EUR 1230.64 / BGN 2406.85.

7.2. Representative example after applying the discount:

For a loan of EUR 900.00 / BGN 1,760.25, a repayment period of 12 months, a promotional fixed annual interest rate of 28.07% and an annual percentage rate of 32.52%, the monthly installment is EUR 86.33 / BGN 168.85 and the total amount to be paid is EUR 1109 / BGN 2169.02.

7.3 The examples referred to are of a representative nature. The final parameters of the specific loan are determined in the individual loan agreement and in the pre-contractual information provided to the client.

8. Informational nature of the campaign

8.1 The information published on the Lender’s website, including the loan calculator and these terms and conditions, is for informational purposes only.

8.2 The publication of the Campaign does not constitute an unconditional or binding offer to conclude a contract with any user. Each loan agreement is concluded after submitting a request, carrying out a creditworthiness assessment, approval by the Lender and acceptance of the individual contractual terms by the client.

9. Exceptions to the campaign application

9.1 The Campaign does not apply in the following cases:

when the loan requested is in an amount other than EUR 900.00 / BGN 1,760.25;
when the term of the loan is different from 12 months;
in case of refinancing, restructuring or renegotiation of an already existing loan, unless UteCredit Bulgaria EOOD has explicitly indicated otherwise;
when the client is not approved for credit;
when the other conditions provided for in these General Terms and Conditions are not met.

10. Personal data

The personal data of applicants and clients are processed in accordance with the applicable legislation for personal data protection and the Privacy Policy of UteCredit Bulgaria Ltd., published on the website of the Lender https://iute.bg/documents/privacy-policy/

11. Disputes and Governing Law

11.1. For all issues that are not regulated in these General Terms and Conditions, the current legislation of the Republic of Bulgaria shall apply.

11.2. The disputes that have arisen shall be resolved by mutual agreement between the parties, and in case of failure to reach an agreement – by the competent Bulgarian court.

12. Entry into force and publication

12.1 These General Terms and Conditions enter into force on 11.07.2026 and apply for the period of the Campaign until 10.08.2026, inclusive. The General Terms and Conditions are published on the website of UteCredit Bulgaria Ltd. and are available to users throughout the entire period of the Campaign.