Refinans kredit

Тake advantage of the refinance loan program from VTB Bank (Azerbaijan) - collect your loans from different banks into one loan. With this loan, you can reduce the monthly payment, while receiving additional cash.













Loan terms and conditions

  • Loan currency: AZN
  • Loan amount: 300 – 25 000 AZN
  • Loan term: 6 months - 60 months
  • Annual interest rate: 16.9%*
  • Maintenance fee: 0%
  • Loan funds are transferred to a Visa Direct Premium card account
  • Cash withdrawals: according to the Bank's Tariffs
  • Effective annual interest rate: min. 17.6% - max. 19.81%


* When contacting the Bank via remote channels (Bank website, Chat-Bank Facebook / Whatsapp Messenger, Contact Center (+12986))

  • The client is given a choice of the type of insurance "Accident insurance" and the option of the "Financial protection".

Terms of the "Financial protection" option:

  •          Fee is 1.5% (min. 20 AZN) and can be included into the loan amount upon a request of the Borrower;

  • In the case of the death of the Borrower, the obligation to the Bank is terminated, 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.

Facebook Messenger –

 WhatsApp Messenger –