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%. 
  Devices with 0% prepayment, 0% service fee and 0% interes
• iPhone 13 (11.12.24 - 31.01.25)
• iPhone 14 (11.12.24 - 31.01.25)
• iPhone 15 (11.12.24 - 31.01.25)
• iPhone 16 (11.12.24 - 31.01.25)
• iPhone 16 Plus (11.12.24 - 31.01.25)
• iPhone 16 Pro (11.12.24 - 31.01.25)
• iPhone 16 Pro Max (11.12.24 - 31.01.25)
• Honor 200 (11.12.24 - 31.01.25)
• Honor 200 Pro (11.12.24 - 31.01.25)
• Honor X9c (11.12.24 - 31.01.25)
• Xiaomi Redmi Note 13 Pro (11.12.24 - 31.01.25)
• Xiaomi Redmi Note 13 Pro+ (11.12.24 - 31.01.25)
• Xiaomi Redmi MIX Flip (11.12.24 - 31.01.25)

 

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.
• 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։
  
  
• iPhone 13 (11.12.24 - 31.01.25)
• iPhone 14 (11.12.24 - 31.01.25)
• iPhone 15 (11.12.24 - 31.01.25)
• iPhone 16 (11.12.24 - 31.01.25)
• iPhone 16 Plus (11.12.24 - 31.01.25)
• iPhone 16 Pro (11.12.24 - 31.01.25)
• iPhone 16 Pro Max (11.12.24 - 31.01.25)
• Honor 200 (11.12.24 - 31.01.25)
• Honor 200 Pro (11.12.24 - 31.01.25)
• Honor X9c (11.12.24 - 31.01.25)
• Xiaomi Redmi Note 13 Pro (11.12.24 - 31.01.25)
• Xiaomi Redmi Note 13 Pro+ (11.12.24 - 31.01.25)
• Xiaomi Redmi MIX Flip (11.12.24 - 31.01.25)

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.

 

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։
  
  
• iPhone 13 (11.12.24 - 31.01.25)
• iPhone 14 (11.12.24 - 31.01.25)
• iPhone 15 (11.12.24 - 31.01.25)
• iPhone 16 (11.12.24 - 31.01.25)
• iPhone 16 Plus (11.12.24 - 31.01.25)
• iPhone 16 Pro (11.12.24 - 31.01.25)
• iPhone 16 Pro Max (11.12.24 - 31.01.25)
• Honor 200 (11.12.24 - 31.01.25)
• Honor 200 Pro (11.12.24 - 31.01.25)
• Honor X9c (11.12.24 - 31.01.25)
• Xiaomi Redmi Note 13 Pro (11.12.24 - 31.01.25)
• Xiaomi Redmi Note 13 Pro+ (11.12.24 - 31.01.25
• Xiaomi Redmi MIX Flip (11.12.24 - 31.01.25)

 

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.