Cash loans (consumer loans up to 20 000 AZN)


  • Loan amount: 20 000 AZN or its dollar equivalent
  • Loan without guarantor: 10 000 AZN or its dollar equivalent issued without guarantor.
  • Currency: AZN/USD
  • Loan terms: 48 months
  • Payment method: Annuity
  • Insurance: No
  • One-time Bank’s service commission: 1% for any loan term (minimum 10 AZN).
  • Annual interest rate:
    Salary card project employees
    12 months - 21%, 24 months - 23%, 36 months - 25%, 48 months - 27%
    12 months - 10%, 24 months - 11%, 36 months - 12%, 48 months - 13%

    Employees of state and private sector structures
    12 months - 22%, 24 months - 24%, 36 months - 25%, 48 months - 27%
    12 months - 11%, 24 months - 12%, 36 months - 13%, 48 months - 14%
  • EAIR: in AZN minimum 22.7% - maximum 28.5%
  • EAIR: in USD minimum 12% - maximum 16%
Note: loans in foreign currency can be issued only to customers with income in foreign currency

Currency Converter