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%
A loan against your car: up to ₼40,000
Up to 60% of your car’s market value, for up to 48 months. You keep driving and working with it: the pledge is registered with a notary and we keep the registration certificate.
- Amount
- ₼2,000–40,000
- Term
- 6–48 months
- Annual rate
- from 23%
- APR
- 26.7–35%
- Fee
- 1.5%, at least ₼30
- Decision
- 1 working day
Who it is for
- People who need a larger sum but would rather not pledge property
- Taxi, freight and courier drivers
- Business owners with little recorded income but a car
- Owners of cars under 15 years old on the day of the last payment
The car stays with you
We do not park the car anywhere. The pledge is recorded in the notary register and you drive as usual. The record is removed and the certificate returned the day the loan is closed.
What it can pay for
- For a business
- Home repairs
- Paying off another loan
- Family costs
Work out the payment
₼2,000₼40,000
6 months48 months
Monthly payment
₼397.60
Annual rate 25% · APR 29.5%Total to repay: ₼14,463.53
Equal payments. An estimate. The rate depends on the sum; the exact terms are in the contract.
Terms
Rate by amount
| ₼2,000–10,000 | 25% |
|---|---|
| ₼10,001–40,000 | 23% |
- How you repay
- Equal payments · Falling payments
- Interest-only months
- None
- Pledge and guarantor
- Our appraiser inspects the car at the branch in 30 minutes. The pledge contract is signed at a notary, whose fee you pay. Comprehensive insurance is not required.
- How the decision is made
- The decision comes the next working day after the car and the papers are checked. The money reaches your card the day the notary signs.
Example. ₼10,000 over 36 months at 25% a year, fee ₼150. Monthly payment ₼397.60, total to repay ₼14,463.53, APR 29.5%.
Documents you need
- ID card
- The car’s registration certificate
- Driving licence
- If the car is jointly owned with your spouse, their consent
Questions about this loan
The car is in someone else’s name.
Then that person joins the loan as the pledgor and comes to the notary with you. A car driven under a power of attorney cannot be pledged.
Can I sell the car during the loan?
Only after the loan is closed. You can close it with the sale money the same day: come to the branch with the buyer and the pledge record is removed that day.
Which cars are not accepted?
Cars older than 15 years on the day of the last payment, damaged cars or cars not registered in the country, and cars already pledged elsewhere.
Other loans
All loans
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%