Business loan
For stock, equipment, a refit or a second outlet
- Amount
- ₼1,000–50,000
- Term
- 6–36 months
- Annual rate
- from 22%
- APR
- from 25.7%
- Twelve branches, from Baku to Zagatala
- Paying early is free
- We do not make daily loans
Loans for your business and your farm
From ₼100 to ₼50,000, for up to 48 months. A loan officer comes to your shop or your fields, and the decision comes the next working day. Farmers repay the loan itself in the months the harvest sells.
Work out the monthly payment
₼1,000₼50,000
6 months36 months
Monthly payment
₼317.23
Annual rate 24% · APR 28.8%Total to repay: ₼7,703.42
Equal payments. An estimate. The rate depends on the sum; the exact terms are in the contract.
Which loan fits you
The rate depends on the sum and the fee is charged once. Each card also gives the effective annual rate: what the loan really costs a year.
Farm loan
You repay the loan in the months you sell the harvest
- Amount
- ₼1,000–30,000
- Term
- 6–24 months
- Annual rate
- from 21%
- APR
- from 24.1%
Consumer loan
Online up to ₼5,000, signed with SİMA
- Amount
- ₼500–15,000
- Term
- 6–36 months
- Annual rate
- from 25%
- APR
- from 30%
Gold-secured loan
In an hour at a branch, no proof of income
- Amount
- ₼100–20,000
- Term
- 1–24 months
- Annual rate
- from 20%
- APR
- from 21.5%
Car-secured loan
The car stays with you, up to 48 months
- Amount
- ₼2,000–40,000
- Term
- 6–48 months
- Annual rate
- from 23%
- APR
- from 26.7%
Group loan for women
3–7 women guarantee each other, no pledge
- Amount
- ₼300–3,000
- Term
- 6–18 months
- Annual rate
- from 23%
- APR
- from 25.5%
From application to money
For business and farm loans a loan officer comes to you. Consumer and gold loans need no meeting.
Apply onlineToday
Application
Five minutes online, through the call centre or at a branch. The terms from the calculator carry over by themselves.
Within 2 working hours
A call
A loan officer calls, tells you which papers to bring and agrees a time to meet.
Within 1–2 days
The visit
The officer comes to your shop, workshop or farm and sees the takings and the pledge on the spot.
Next working day
Decision and contract
Signed at a branch. Consumer loans up to ₼5,000 can be signed online with SİMA.
After signing
The money
In cash at the till or to your card. For loans signed at a distance, up to ₼800 is paid within 2 hours and more after 24 hours, under the Central Bank’s rule of 1 October 2026.
A gold-secured loan within an hour
We test the fineness and weigh the gold in front of you. You get up to 85% of the valuation the same day, with no proof of income. At six branches: Baku, Sumgait, Ganja, Shaki, Lankaran and Guba.
Today’s valuation of a gram of gold
as of 23 October 2026
| Fineness | Per gram | Loan per gram |
|---|---|---|
| 375 | ₼77 | ₼65 |
| 500 | ₼103 | ₼87 |
| 583 | ₼119 | ₼101 |
| 585 | ₼120 | ₼102 |
| 750 | ₼154 | ₼130 |
| 875 | ₼179 | ₼152 |
| 916 | ₼188 | ₼159 |
| 999 | ₼205 | ₼174 |
The fineness is stamped on the item: 585, 750 and so on.
Valuation
₼1,440
Loan up to
₼1,220
What the loans paid for
Three borrowers, their loans and the numbers a year on.
The bank wanted the same sum every month, but tomatoes pay twice a year. Here I repay the loan in May and November and only the interest in the other months.
Elshan GuliyevBoladi village, Lankaran - Loan:
- Farm loan, ₼12,000, 18 months
- Bought:
- A second greenhouse, drip irrigation and a heater for winter
- Result:
- Greenhouse space grew from 600 m² to 1,400 m², with a winter crop too
Five of us neighbours formed a group and none of us had to pledge anything. In the second cycle I took 3,000 manat, and now I sew school uniforms to order.
Saadat RzayevaShaki - Loan:
- Group loan for women, ₼2,000, 12 months
- Bought:
- A professional sewing machine and an overlocker
- Result:
- Forty school uniform sets a month, sewn to order
The loan officer came to the apiary and looked at last year’s honey sales. I repay the loan in August and September, when the honey sells.
Kamil BabayevNear Qirmizi Qasaba, Guba - Loan:
- Farm loan, ₼4,500, 12 months
- Bought:
- Thirty new hives and a honey extractor
- Result:
- Colonies grew from 45 to 75
What happens in a month you cannot pay
No penalty for 3 days
From the fourth day, 0.1% a day is charged on the missed payment only, not on the whole loan.
We change the schedule
Illness, a lost job, drought: tell us before the payment date and we can move the payment by 30 days or stretch the schedule by up to 6 months.
Paying early is free
Any day you can pay the balance and the interest up to that day and close the loan.
No daily loans
Our shortest loan is a one-month gold loan. Every loan’s effective annual rate is in the contract and on this site.
Twelve branches
Our loan officers also travel to neighbouring districts: if there is no branch near you, call us.
Ganja and Karabakh
Shaki–Zagatala
South and Mughan
Journal
· 4-minute read
From 1 October you can block remote loans in your name
The Central Bank’s new rule covers consumer loans arranged by phone or online: how to set a block, how to lift it and when the money is paid out.
· 5-minute read
What the effective rate is and how to compare two loan offers
A lower rate does not always mean a cheaper loan. The effective annual rate, which counts the fee too, shows the difference in one number.
· 4-minute read
Check your credit history free twice a year
When a lender looks at your application, the first thing it checks is the credit bureau. You can see what is written there yourself, beforehand.
Common questions
All questionsCan I get a loan with a poor credit history?
We look at each application on its own. Old, closed delays are no obstacle; an open delay of more than 30 days has to be cleared first. You can see your credit history free twice a year on Findoc.
Why is the effective rate (APR) higher than the nominal rate?
The APR includes the fee and counts interest as paid monthly. For example, ₼6,000 over 24 months at 24% a year with a 1.5% fee has an APR of 28.8%. Compare loans by their APR.
Do I need a guarantor?
For business and farm loans up to ₼10,000 one guarantor is enough; above that we need a pledge. Consumer, gold, car and group loans need no guarantor.
How can I pay?
On this site by card (with the contract number and your FİN), at any branch’s till or at payment terminals. The payment is recorded in the schedule the same day.
What is the remote-loan block?
From 1 October 2026 anyone can apply in writing to a bank or credit organisation to block consumer loans taken out in their name at a distance. We check the block at the credit bureau; where there is one, the contract is signed only at a branch.
Not sure which loan fits?
The call centre will explain the terms and work out the payment with you. Mon–Fri 09:00–20:00, Sat 10:00–16:00.