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.

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.

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%. The annual nominal interest rate for the next 24 months is 0%, with a monthly servicing fee of 0.99%. The actual interest rate on the loan is 14.5%.
Devices with 0% prepayment, 0% service fee and 0% interes

Samsung Galaxy Z Fold5 (01.11.24 - 24.11.24)
Samsung Galaxy Z Fold6 (01.11.24 - 24.11.24)
Samsung Galaxy Z Flip6 (01.11.24 - 24.11.24)
Samsung Galaxy S24 5G (01.11.24 - 24.11.24)
Samsung Galaxy S24+ 5G (01.11.24 - 24.11.24)
Samsung Galaxy S24 Ultra 5G (01.11.24 - 24.11.24)
Honor 200 Lite (21.10.24 - 30.11.24)
Honor 200 (21.10.24 - 30.11.24)
Honor 200 Pro (21.10.24 - 30.11.24)

Term: 24-48 months - 0% prepayment, 0% service fee and 0% interest for the first 12 months. Annual nominal interest rate for the next 36 months 21.5%.
Devices with 0% prepayment, 0% service fee and 0% interes

iPhone 13 (08.11.24 - 01.12.24)
iPhone 14 (08.11.24 - 01.12.24)
iPhone 14 Plus (08.11.24 - 01.12.24)
iPhone 15 (08.11.24 - 01.12.24)
iPhone 15 Plus (08.11.24 - 01.12.24)
iPhone 16 (08.11.24 - 01.12.24
iPhone 16 Plus (08.11.24 - 01.12.24)

Learn more about credit terms here.

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

Unibank is supervised by the CBA.

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.

Inecobank

Credit term: 36 months - 0% prepayment, 19-21,7% interest rate, 0% service fee, 20.67%-23.91% effective annual interest rate.

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.

Evocabank

Term: 12-24 months - 0% down payment, 21% interest rate, 0% service fee, up to 24% per annum.

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.