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 – 35 000 AZN
  • Loan term: 6 months - 60 months
  • Annual interest rate: from 15%
  • Maintenance fee: 0%
  • Loan funds are transferred to a card account
  • Cash withdrawals: according to the Bank's Tariffs
  • Effective annual interest rate: min. 15.69% - max. 25,52%



  • 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: Azerbaijan Republic
  • Place of work: Azerbaijan Republic
  • Work experience: a year of the general experience, experience at the last job place for at least 6 months





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 –