Consumer loan

Terms & conditions

• Loan amount: min. 500 AZN - max. 40 000 AZN
• Term: min. 6 months - max. 48 months
• Annual interest rate: min. 10% - max. 26%
• Effective Annual Percentage Rate (EAPR): min. 15.02% - max. 29.59%
• Fee and commission expense when you take a loan: 0-3%
• Repayment: by annuity scheme (equal installments)

Advantages

• Quick process of registration
• Minimum list of required documents
• Possibility to pay the credit online without visiting the branch

Requirements

• Citizenship of the Republic of Azerbaijan
• Age from 21 to 65 years
• Seniority at the last working place at least 6 months
• Identification and certificate of Employment *

* When analyzing customer data, the bank may require additional documents, and the terms of crediting may be amended accordingly. You can also print your help using the E-Government portal (www.e-gov.az) in the branches of AccessBank.

Interest rate

Approximate plan of repayment of the loan in the amount of 1 000 AZN with the condition of payment once a month for 12 months:

Terms & conditions

• Amount: under 10 000 AZN
• Term: 36 months
• Annual interest rate: 24 - 26%
• Effective Annual Percentage Rate (EAPR): min. 24% - max. 26%
• Grace period: up to 50 days
• Commission costs: 0%

Advantages

• Grace period up to 50 days
• A refund of a certain part of the amount spent within the cash-back AccessQazanc program when paying by card
• With the help of myAccess easy and convenient to track the card account and make payments online

Requirements

• Age: minimum of 25 years old
• Identity card *
• Official salary

* When analyzing customer data, the bank may require additional documents, and the terms of crediting may be amended accordingly. You can also print your help using the E-Government portal (www.e-gov.az) in the branches of AccessBank.

Commission (cash withdrawal)

Terms & conditions

• Loan amount: min. 10 000 AZN - max. 70 000 AZN
• Term: min. 12 months - max. 59 months
• Annual interest rate: starting from 18%
• Commission: 1%
• Collateral: real estate in the name of the client or a first-degree relative
• Repayment: by annuity scheme (equal installments)
• Effective Annual Percentage Rate (EAPR): min. 19.9%

The loan amount and all accrued interest should not exceed 65% of the market value of the real estate used as collateral.

Terms (Based on Deposit)

• Minimum amount: 300 AZN/USD
• Loan amount: The total amount of commission for loan processing and interest to be calculated on the loan should not exceed 90% of the deposit amount used as collateral. 
• Loan processing fee: 1% of the loan amount.
• For loans issued in AZN: An additional 6% is added to the annual interest rate of the deposit.
• For loans issued in USD: An additional 3% is added to the annual interest rate of the deposit.
• Minimum loan term: 3 months
• Maximum loan term: 36 months
• Minimum age requirement: 18 years
• FIFD (Annual Percentage Rate): min 3.1% - max 18.73%

Terms & conditions

• Loan amount: max. 50 000 AZN
• Term: min. 3 months - max. 36 months
• Annual interest rate: starting from 18%
• Effective Annual Percentage Rate (EAPR) on loans: min. 24.96% - max. 39.9%
• Commission: 1-3%
• Collateral: gold jewelry
• Repayment: by annuity scheme (equal installments)

Requirements

• Citizenship of the Republic of Azerbaijan
• Age from 21 to 70 years
• Identification card

Payment plan

Approximate plan of repayment of the loan in the amount of 1 000 AZN with the condition of payment once a month for 12 months: