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% interest:

Samsung Galaxy S25 (25.02.25 - 13.04.25)
Samsung Galaxy S25+ (25.02.25 - 13.04.25)
Samsung Galaxy S25 Ultra (25.02.25 - 13.04.25)
iPhone 13 (25.03.25 - 14.04.25)
iPhone 14 (25.03.25 - 14.04.25)
iPhone 15 (25.03.25 - 14.04.25)
iPhone 16e (25.03.25 - 14.04.25)
iPhone 16 (25.03.25 - 14.04.25)
iPhone 16 Plus (25.03.25 - 14.04.25)
iPhone 16 Pro (25.03.25 - 14.04.25)
iPhone 16 Pro Max (25.03.25 - 14.04.25)

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:
Honor 200 Lite 5G (26.02.25 - 20.04.25)

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.

Samsung Galaxy S25 (25.02.25 - 13.04.25)
Samsung Galaxy S25+ (25.02.25 - 13.04.25)
Samsung Galaxy S25 Ultra (25.02.25 - 13.04.25)
AirPods 4 MXP63ZE/A (25.02.25 - 29.03.25)
MacBook Air 13 M3 16GB/256GB (25.02.25 - 29.03.25)
iPad 10.9 Wi-Fi 64GB (25.02.25 - 29.03.25)
iPhone 13 (25.03.25 - 14.04.25)
iPhone 14 (25.03.25 - 14.04.25)
iPhone 15 (25.03.25 - 14.04.25)
iPhone 16e (25.03.25 - 14.04.25)
iPhone 16 (25.03.25 - 14.04.25)
iPhone 16 Plus (25.03.25 - 14.04.25)
iPhone 16 Pro (25.03.25 - 14.04.25)
iPhone 16 Pro Max (25.03.25 - 14.04.25)

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։

Samsung Galaxy S25 (25.02.25 - 13.04.25)
Samsung Galaxy S25+ (25.02.25 - 13.04.25)
Samsung Galaxy S25 Ultra (25.02.25 - 13.04.25)
iPhone 13 (25.03.25 - 14.04.25)
iPhone 14 (25.03.25 - 14.04.25)
iPhone 15 (25.03.25 - 14.04.25)
iPhone 16e (25.03.25 - 14.04.25)
iPhone 16 (25.03.25 - 14.04.25)
iPhone 16 Plus (25.03.25 - 14.04.25)
iPhone 16 Pro (25.03.25 - 14.04.25)
iPhone 16 Pro Max (25.03.25 - 14.04.25)

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.