For retail clients who need small financing for a relatively short period of time, without the hassle of a traditional loan, consumer loans may be the best option. We do not require customers to commit collateral on our consumer loans which means the loan decision can be made instantly as long as you have the necessary documentation.

The following table provides a summary of the key elements of a consumer loan.

Terms of consumer credits to purchase home appliances:

 
Maximum amount of the loan   2000 AZN
Maximum duration of the loan:   24 months
Annual interest rate   30-36%
     


Terms of consumer credits for employees of budget-funded entities and enterprises, state authorities:
 
Maximum amount of the loan   5000 AZN
Maximum duration of the loan:   24 months
Annual interest rate   30%
     
Note: The credit amount up to 2000 AZN is granted without a guarantor, but from 2000 AZN must be secured by a guarantor

Terms of consumer credits for employees of State executive authorities and bodies of the Republic of Azerbaijan:
 
Maximum amount of the loan   4000 AZN
Maximum duration of the loan:   24 months
Annual interest rate   30%
     
Note: The credit amount up to 2000 AZN is granted without a guarantor, but from 2000 AZN must be secured by a guarantor

Terms of consumer credits for employees of education and health-care sector:
 
Maximum amount of the loan   5000 AZN
Maximum duration of the loan:   24 months
Annual interest rate   30%
     
Note: The credit amount up to 2000 AZN is granted without a guarantor, but from 2000 AZN must be secured by a guarantor

Terms of consumer credits for retired people:
 
Maximum amount of the loan   2000 AZN
Maximum duration of the loan:   12 months
Annual interest rate   33%
     
Note: No guarantor is required for credit amount up to 1000AZN, from 1000AZN must be secured by a guarantor, age limit – 66 years

Terms of consumer credits for the employees of reputable companies:
 
Maximum amount of the loan   5000 AZN
Maximum duration of the loan:   18 months
Annual interest rate   28 %
     
Note: The credit amount up to 2000 AZN is granted without a guarantor, but from 2000 AZN must be secured by a guarantor

Terms of consumer credits for the employees of private companies
 
Maximum amount of the loan   3000 AZN
Maximum duration of the loan:   18 months
Annual interest rate   33%
     
Note: The credit amount up to 1500 AZN is granted without a guarantor, but from 1500 AZN must be secured by a guarantor

Terms of consumer credits collateralized by gold and jewellery:
 
Maximum amount of the loan   20 000 AZN
Maximum duration of the loan:   18 months
Annual interest rate   30-32%
     
Note:
-Credit lending terms may be different in various regions.
-The credit amount can also be issued in USD in manat equivalent.
-The monthly payment of the allocated loan should not be less than 50% of the officially approved income, including monthly payment of all loans under a customer’s responsibility.

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