• Low interest rate
• No monthly service fee
• No loan study fee
• Providing a loan within the same banking day
• Loan is provided without collateral and without a garantee*
• Loans are provided without income document to individuals with a permanent income .

* Loan is provided on a cash flow basis. Due to the Borrower's creditworthiness assessment, the guarantor(s) may be required

Consumer credits are provided to resident individuals who have documented or verified stable income.

• Currency: AMD
• Duration: maximum up to 60 months, minimum - 9 month
• Minimum amount: 50,000 AMD
• Maximum amount: 5,000,000 AMD
• Annual interest rate:
  • in case of duration of 9-12 months - 12.9-13.9%
  • in case of duration of 13-24 months - 14.9-15.9%
  • in case of duration of 25-36 months - 16.9-18.5%
  • in case of duration of 37-60 months - 18.6%-18.9%
• monthly equal or equal parts of the principal amount
• Loan collateral: without it, on the basis of the borrower's financial flow
• Interest amount calculation: daily towards the loan reducing balance
  
  Get your wages through the Bank and enjoy privileged conditions starting at 11.4% per year.
  You can get acquainted here the loan portfolio by the work plan.

Required documents:

• Personal identification documents of the applicant,
• Social services number,

The following documents may also be required:

• Statement from the place of employment or other documents verifying the customer’s income. The statement/documents should specify the customer’s net monthly income after all applicable taxes. If the customer is engaged in entrepreneurial or licensed activities, tax reports and founding documents (with copies) of the legal entity or sole proprietorship must also be provided,
• Copies of personal identification documents of guarantors,
• Other documents, as requested (e.g. statement(s) from the place(s) of employment of family member(s).