Credit

The credit term is up to 48 months, with prepayment starting at 0%, annual interest rate starting at 0%, and service fee starting at 0%.

Partner banks and the details of credit terms are presented below.

0% - 0% - 0% installment with special conditions

Take advantage of the installment plan with preferential terms for 1 year: 0% prepayment, 0% interest rate, 0% service fee. Simply subscribe to the Next Level postpaid service for 12 months.
This offer is available exclusively for the purchase of smartphones when subscribing to the Next Level postpaid service for 12 months:

• Subscription to the Next Level 3000 or higher tariff plan for smartphones worth up to 150,999 AMD
• Subscription to the Next Level 5500 or higher tariff plan for smartphones priced between 151,000 and 250,999 AMD
• Subscription to the Next Level 7500 tariff plan for smartphones priced at 251,000 AMD or more

During the term of the commitment, you can switch to another available tariff plan without paying a cancellation fee, provided that the new tariff plan is compatible with the purchased phone as per the above points.
In case of early termination of the postpaid service subscription or switching to an unavailable tariff plan, a cancellation fee of 15,000, 25,000, or 45,000 AMD will be charged, depending on the value of the purchased phone.

Available banks: Unibank and Evokabank

Term: 36 months – 0% prepayment, 0% interest rate and 0% service fee for the first 12 months. The nominal annual interest rate for the next 24 months is 0%, with a monthly service fee of 0.99%. The actual interest rate on the loan is 14.5%.

General Terms of Installment

Unibank

Credit term: 48 months - 0% prepayment, 21.5% interest rate, 0% service fee, 23%-24% effective annual interest rate
Term: 36 months - 0% prepayment, 0% service fee and 0% interest for the first 12 months. Annual nominal interest rate for the next 24 months 0%, monthly servicing fee 0.99%. The actual interest rate on the loan is 14.5%.
Devices with 0% prepayment, 0% service fee and 0% interest:

Samsung Galaxy S25 (25.02.25 - 18.05.25)
Samsung Galaxy S25+ (25.02.25 - 18.05.25)
Samsung Galaxy S25 Ultra (25.02.25 - 18.05.25)

Term: 48 months - 0% prepayment, 0% service fee and 0% interest for the first 8 months. Annual nominal interest rate for the next 40 months 0%, monthly servicing fee 0.99%. The actual interest rate on the loan is 0-14.5%.
Devices with 0% prepayment, 0% service fee and 0% interest:
All iPhones (06.05.25 - 25.05.25)
Xiaomi Redmi Note 14 Pro 5G (25.03.25 - 25.05.25)

Learn more about credit terms here.

Phone: (+374 10) 592259; 595555, www.unibank.am

Unibank is supervised by the CBA.

Evocabank

Term: 12-24 months - 0% down payment, 21% interest rate, 0% service fee, up to 24% per annum.
Term: 36 months - 0% prepayment, 0% service fee and 0% interest for the first 12 months. Annual nominal interest rate for the next 24 months 0%, monthly servicing fee 1%. The actual interest rate on the loan is 14.51%.
Devices with 0% prepayment, 0% service fee and 0% interest։

Samsung Galaxy S25 (25.02.25 - 18.05.25)
Samsung Galaxy S25+ (25.02.25 - 18.05.25)
Samsung Galaxy S25 Ultra (25.02.25 - 18.05.25)

Installment plans are available for citizens of Armenia and Russia, aged 21 and over, whose age will not exceed 63 years by the end of the loan term.

Phone: (+374 10) 605555, www.evoca.am

Evocabank is regulated by the Central Bank of Armenia.

Inecobank

Credit term: 36 months - 0% prepayment, 19-21,7% interest rate, 0% service fee, 20.67%-23.91% effective annual interest rate.
Term: 48 months - 0% prepayment, 0% service fee and 0% interest for the first 12 months. Annual nominal interest rate for the next 36 months: 18%, monthly servicing fee 0.8%. The actual interest rate on the loan is 22.76%.

Devices with 0% prepayment, 0% service fee and 0% interest.

Samsung Galaxy S25 (25.02.25 - 18.05.25)
Samsung Galaxy S25+ (25.02.25 - 18.05.25)
Samsung Galaxy S25 Ultra (25.02.25 - 18.05.25)

Learn more about credit terms here.

Phone: (+374 10) 510510, www.inecobank.am

Inecobank is supervised by the CBA.

Citizens (individuals) aged 21-65 are eligible for the credit.

Ameriabank

Credit term: 24-36 months - 0% prepayment, 0% service fee and 0-24% effective annual interest rate.

Learn more about credit terms here.

Phone: (+374 10) 561111 or (+374 12) 561111, www.ameriabank.am

Ameriabank is supervised by the CBA.

ACBA Bank

Credit term: 36 months - 0% prepayment, 21% interest rate, 0% service fee, 23.10%-23.40% effective annual interest rate.

Learn more about credit terms here.

Phone: (+374 10) 318888, www.acba.am

ACBA Bank is supervised by the CBA.

VTB Bank Armenia

Credit term: 36 months - 0% prepayment, 0% interest rate, 0.99% service fee, 0%-24% effective annual interest rate.

Learn more about credit terms here.

Phone: (+374 8000) 8787, www.vtb.am

VTB Bank Armenia is supervised by the CBA.