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* 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.
Required documents:
The following documents may also be required:
Get a loan without visiting the Bank by signing the loan package electronically
To sign contracts electronically:
Step 1 |
An offer to sign the documents is sent to the customer’s email address.
The offer is active for 10 working days |
Step 2 |
After getting acquainted with the documents, the customer proceeds to "Sign Now" button and enters the one-time password sent to their phone number. |
Step 3 |
After entering the password correctly, the customer clicks the "Sign Documents" button. |
Step 4 |
The documents approved by the Bank are sent to the customer's email and the loan amount is transferred to the customer's account.
The one-time loan disbursement fee is automatically deducted from the loan amount. |
Important
Credit calculation example
Learn more:
Information provided to the credit registry
IN CASE OF FAILURE BY THE BORROWER TO PAY INTEREST ON THE LOAN AND PRINCIPAL THEREOF IN ACCORDANCE WITH THE REPAYMENT SCHEDULE, INFORMATION ABOUT THE BORROWER WILL BE SUBMITTED TO THE CREDIT REGISTRY.
“BAD” CREDIT HISTORY MAY IMPAIR YOUR ABILITY TO OBTAIN LOANS / CREDITS IN THE FUTURE.
Financial assistant
Important to know window
Loan account statement subject to mandatory provision under RA legislation and other information is provided free of charge. The statement subject to non-mandatory provision by the RA legislation, the copy of the statement is provided
YOU HAVE THE RIGHT TO COMMUNICATE WITH THE FINANCIAL ORGANIZATION BY YOUR PREFERRED WAY OF COMMUNICATION, BY MAIL OR ELECTRONIC MEANS. RECEIVING INFORMATION ELECTRONICALLY IS THE MOST CONVENIENT. IT IS AVAILABLE 24/7, IS FREE OF RISK OF LOSS OF PAPER INFORMATION AND ENSURES PRIVACY.
The Bank may unilaterally change the interest rate stipulated in the agreement by notifying the Borrower at least 7 calendar days in advance in case of non-use of the loan, as well as in case of non-fulfillment of the obligations under the loan agreement.
ATTENTION: WHEN APPLYING FOR A LOAN, THE CREDITOR WILL PROVIDE YOU, GUARANTOR(S) (if available) WITH AN INDIVIDUAL SHEET OF SIGNIFICANT TERMS OF CONSUMER LOANS, IN WHICH THE INDIVIDUAL LOAN CONDITIONS TO BE PROVIDED TO YOU WILL BE SPECIFIED.
Information provided to the credit registry
ATTENTION: IN CASE OF NO-PERFORMANCE OR IMPROPER PERFORMANCE OF OBLIGATIONS BY YOU, AFTER 3 WORKING DAYS THE CREDITOR SUBMITS THESE DATA TO THE CREDIT BUREAU, WHERE YOUR CREDIT HISTORY IS CREATED. YOU HAVE THE RIGHT TO RECEIVE YOUR CREDIT HISTORY FROM THE CREDIT BUREAU ONCE A YEAR FREE OF CHARGE.
ATTENTION: BAD CREDIT HISTORY MAY PREVENT YOU FROM RECEIVING A LOAN IN THE FUTURE.
FOR GUARANTEES.
Please be informed that:
THE GUARANTEER HAS A RIGHT
Financial Assistant
ATTENTION: "YOUR FINANCIAL INFORMATION" IS AN ELECTRONIC SYSTEM, WHICH MAKES THE SEARCH, COMPARISON AND SELECTION OF THE SERVCES, PROVIDED TO INDIVIDUALS, EASIER.