Cash Loan

Are you going to start repair? Or are you dreaming of great purchase?
May be you are going to world trip? Or do you need money urgently? In that case, you shouldn't save money a long time and postpone your wishes for later.
You can use our bank credit product “Cash loan”. Cash loan is a credit for any needs and reasonable conditions!

Credit terms

  • Loan currency: AZN
  • Loan amount: 300 – 15 000 AZN
  • Loan term: 6-60 months
  • Bank commission: 1%
  • Loan funds are transferred to a card account
  • Commission for withdrawing loan funds from the card account: according to the Bank's Tariffs
  • The client is provided with 2 types of insurance
  • Annual interest rate according to the table below

Table of interest rates:

Loan term       Interest rate    
 12 months   17%
 24 months
 36 months  20%
 48 months  21%
 60 months  22%
  • AAIR: 23.54% - 24.35%
  • The client is provided with a choice of insurance against accidents or the option "Financial protection"

The option "Financial Protection" implies full loan coverage by the Bank against Borrower's death and is provided by the Bank to the Borrower on the following conditions:

  • commission for "financial protection" is 1.5% (minimum 20 AZN) and can be included in the loan amount upon Borrower’s request;

  • Upon registration of the option, in the event of the Borrower’s death, the obligation to the Bank terminates, subject to the obligatory provision of a death certificate of the Borrower by a close relative. 

Requirement for the Borrower

  • Citizenship of the Republic of Azerbaijan
  • Age: min. 21 - max. 60 at the end of the loan term
  • Employment: work with an employment contract (for hire)
  • Place of registration: Baku, Khirdalan, Sumgait cities, Absheron district *
  • Place of work: Baku, Khyrdalan, Sumgait cities, Absheron district
  • Work experience: a year of the general experience, experience at the last job place for at least 6 months

* if the place of registration is located in the specified cities, the requirement is not applied

To repay your loan faster clients of VTB Bank (Azerbaijan) can use the corporate website, Internet / Mobile banking or payment terminals.
For convenient and quick method of loan order / payment or other banking services, you can use Chat-Banking in the mobile application Facebook / WhatsApp Messenger.

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