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: 24 months - 0% prepayment, 0% interest rate, 0% service fee, 0% effective annual interest rate*;
• 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% interest։

  • All models of iPhone (01.04.2024 - 30.04.2024)
  • Samsung Galaxy S23/S23+/S23 Ultra / S23 FE, Fold5/Flip5 (24.06.2024 - 12.05.2024)
  • Samsung Galaxy S24/S24+/S24 Ultra (04.03.2024 - 12.05.2024)
  • Samsung Galaxy A35/A55 (04.02.2024 - 05.05.2024)
  • Xiaomi Redmi Note 13 Pro+ (01.04.2024 - 30.04.2024)
  • Xiaomi 14 (01.04.2024 - 30.04.2024)
  • All MacBook models with M1 and M2 chips (15.04.2024 – 30.04.2024)
  • All models of iPad (15.04.2024 – 30.04.2024)

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: 24 months - 0% prepayment, 0% interest rate, 0% service fee, 0% effective annual interest rate*;
• 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.

 

*The credit terms are only available for phones and on condition that buyer subscribes to Level Up/Level Up+ postpaid service for 24 months:

• for phones priced up to 130 000 AMD when subscribed to Level Up 3000/ Level Up 3000+ or higher tariff plan;
• for phones priced from 131 000 to 230 000 AMD when subscribed to Level Up 5500/ Level Up 5500+ or higher tariff plan;
• for phones priced from 231,000 AMD and higher when subscribed to Level Up 8500/ Level Up 8500+ and higher tariff plan.

In case of early termination of the postpaid subscription, a fee of 15,000, 23,000 or 65,000 AMD respectively, will be charged depending on the price of the purchased phone.