Mortgage-backed loans

Leno lends when others don’t.

Millions of people and small businesses don’t have access to financing. Not anymore.

  • Radically simplified process
  • Remarkable approval rate
  • Highly regulated¹
Apply now Advantages
Fixed interest
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Money Upfront

Preparing your loan application can be expensive. Which is why we can give you up to €2,500 in advance.

Quick & Easy

Most of the lenders are very slow. We won't keep you waiting, because we understand urgency.

Pay Later

Now you can pay your monthly installment 60 days later. Every month. For free.

Leno Refund

We encourage you to pay on time. In return, we will refund you with up to 90% of the interest paid².

Free Insurance

As an Infinity client, you can enjoy free home insurance. Up to 50% discount for Premium clients³.

approval despite

Credit History

We won’t care that much about your credit history⁴. Although it might affect your plan.


Your income or revenues help us evaluate your creditworthiness⁴. However, we will be as flexible as possible.


We are the specialist here. If your assets are frozen or about to be foreclosed, we can help.

Tax Liabilities

There is a chicken and egg problem here. You can't do a mortgage before you pay your taxes. Yes, we solved this.

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Age 65+

Age discrimination is a serious thing. We don't do it.


Get the App.

We are building Europe’s next challenger bank⁵. That said, you can expect our App to constantly evolve until it becomes your first choice for Loans, Insurance, Payments & Cards.

  • Apply for a loan with a few taps
  • Track your application with push notifications
  • Check when your next installment is due
  • Make a payment
  • Contact your account manager directly

Standard. Premium. Infinity. Standard. Premium. Infinity.

Enjoy more for less with our Premium or Infinity Plan. Availability is subject to your credit scoring.


This is how we lend
  • Smooth online application process
  • Approval within hours, not days
  • Flexible risk requirements, so everyone gets approved⁴
  • Ability to borrow more when or if needed
Get Standard


  • Lower interest rate than Premium
  • Free credit card with up to €1,000 limit
  • Free home insurance³
Get Infinity

¹ Leno JSC is a financial institution, registered with the Bulgarian National Bank (firm reference number BGR00341). ² Available to business clients only, subject to the terms and conditions under your loan agreement. ³ Insurance products are sold by Leno Ins Ltd. Free Insurance or Discounts mean the difference is paid by Leno JSC on your behalf. ⁴ Credit history and Creditworthiness are evaluated following the Consumer real estate loans act. ⁵ Neither Leno JSC nor any of its affiliates are banks.

Leno helps you
borrow. spend. insure.

Available for iOS and Android.