10/23/25
January 1, 2026: The Date That Will Change Bulgaria’s Real Estate Market
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Your personal credit strategist. Choose the experience you can trust.
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30+ years of experience
With over 30 years of banking experience, we don’t just find you a loan – we guide you along the safest path to it.
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100% of your time saved
We don’t just find a loan – we provide security, clarity, and results.
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200+ consulted clients
We think like bankers. We act like partners! We turn the complex credit process into a clear, predictable, and successful experience.
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100% transparency
We match each client with the most suitable bank for their profile and keep them informed every step of the way.
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48 hours to offer
We turn the complex credit process into a clear, predictable, and successful experience – because we know what lies behind every banking decision.
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100% efficiency
We prepare the documents in a way that increases the chances of approval.
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3+ different offers
We guide the clients to the most suitable bank for their profile. We’ll select the top 3 offers so they can make an informed and free choice.
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1000+ real-life cases
We handle complex cases with expertise.
The banks we work with
our clients
Credit with clear steps. Decision with confidence!
- No application fee 0,00 €
- No insurance fee 0,00 €
- Fixed interest rate 2.70%
- Final amount to be returned €
why become our client
0 leva consultation
0 leva call
0 leva taxes for the service
0 leva taxes for market appraisal
1
phone call
Just provide your name and phone number, and we’ll call you back within 3 business hours!
100%
of all bank promotions
We track all market promotions and actively work to improve your loan terms - so you don’t have to.
100%
of your time saved
You save 100% of the time you’d otherwise spend running between institutions for paperwork.
0 leva
market appraisal fee
We cover the fee for the market appraisal!
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feasible real estate offers?
You are looking to buy real estate? Look no further. We can help you find the ideal home for your needs through our network of partners.
the customer journey
The entire customer journey.
Step 1
1-2 minutes
Fill out your number and we'll call you!
Step 2
up to 3 business hours
You talk to a credit expert.
Step 3
48 hours
You get the best offer.
Step 4
A few days
We prepare your documents for the bank.
Step 5
1 week
The bank says "Yes".
Step 6
2-3 weeks
You sign/acknowledge before a notary.
Step 7
Apply
Free consultation
Become a partner
We think as bankers. We act as partners!
why become our partner
Honest and professional consultation with no hidden terms.
Up to 2% commission
Depending on your field, we can offer some of the highest commissions in the industry.
We pay upon notarization
Within 12 hours after notarization, the money will be in your account.
Clear and transparent contracts
Our contracts are straightforward, accessible, and free from hidden clauses or fine print.
Extensive partner network
Become our partner and enjoy all the benefits of being part of our network.
Free consultation
Facing a case? You can always turn to us and our wide network of partners - we will assist you in the best possible way for your situation.
the partner's path
The entire process along the partner’s journey
Step 1
2-3 minutes
Fill out your number and we'll call you.
Step 2
up to 3 business hours
Our expert will call you.
Step 3
same day
We schedule a meeting.
Step 4
up to 48 hours
You’ll hear back from us.
Step 5
Choose
Become a Partner
Explore the benefits of being our client
Comparison table
What to expect in few lines
DVM Credit
Bank
Consultant
Securing the best terms
Offers from all leading banks
A real person by your side until the deal is closed
Physical office
Covers the market valuation
Prepares and compiles all your documents
Remote service
DVM Credit
Bank
Consultant
why us
Mariya Peycheva
15+ years of experience in the bankinf field.
Former bank branch manager.
Diana Spasova
15+ years of experience in the bankinf field.
Former bank branch manager.
We operate with full transparency and accountability, because our clients’ trust is our most valuable asset.
Your peace of mind is our priority - we’re by your side every step of the way.
With decades of experience behind us, we’re here to help you make the right financial decisions.
Every recommendation we make is backed by years of hands-on expertise and proven results.
We think like banks - but act in the best interest of our clients.
We believe there’s always room for improvement - that’s why we work to secure terms that truly satisfy you.
News
frequently asked questions
We are here to answer all your questions
With over 30 years in banking, we are not just an intermediary, but a trusted advisor with proven expertise.
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✅ A credit consultant is a specialist who analyzes your financial situation and helps you find the most suitable loan for your needs, with the best possible terms.
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✅ Our services are free for clients, as we receive a commission from the banks we work with.
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✅ We work with almost all leading banks in Bulgaria and can offer you a variety of options in one place.
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✅ Every case is unique. We’ll provide a free consultation and advise you on the best options based on your credit history.
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✅ In most cases, the initial approval takes between 1 and 3 business days.
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✅ Typically, you’ll need an ID card, employment contract, or other proof of income. We’ll provide you with a full list and assist you with the preparation.
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✅ We assist with loans from BGN 5,000 up to over BGN 500,000, depending on your needs and financial capacity.
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✅ Yes, we can help you consolidate multiple loans or find better terms for your existing loan.
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✅ Yes, the process is fully digital - you can submit a request online, and we’ll get back to you within 5 business hours.
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✅ We compare all available offers on the market and present you with the best options based on your needs and financial situation.
Отзиви
Diana Stoimenova
Service : Loan
Thank you to the team at DVM Credit for their assistance with two transactions - one personal and one for my mother-in-law. I didn’t have to deal with any bureaucracy; DVM Credit took care of everything. I highly recommend working with them for their impeccable expertise, very quick response, and professional attitude.
Georgi Asenov
Service : Mortgage loan
I have known Maria Peycheva for more than 10 years and have always admired how cheerful and positive she is. Two months ago, I turned to her professional services for the purchase of a vacation property. As you can imagine, being a property by the sea, the documentation was not easy to get approved by the bank. Thanks to Maria alone, not only did I receive quick approval, but I also secured the optimal interest rate! I am truly grateful for her support, professionalism, and dedication!
Georgi Petrov
Service: Refinancing
I didn't believe I would be able to refinance my loan. Thanks to Diana's guidance, it happened in just a few days.
Your personal credit strategist.
A comprehensive financial partner
Expert advice that’s on your side
