How do I get an online loan with ASAN Imza?
ASAN Imza is a mobile electronic signature: you fill in the application on the bank's website, confirm your identity with ASAN Imza and consent to ASAN Finance data, the bank decides within minutes and you sign the contract again with ASAN Imza. The money goes to your card.
ASAN Imza is a state electronic signature stored on your mobile operator's SIM card, with the same legal force as a signed contract. Thanks to it, a new customer can sign a loan contract without visiting a branch, even as a customer of another bank. Below we show step by step how to obtain the signature and formalize the loan.
What you need
- 1 An ASAN Imza SIM from one of the mobile operators (issued against your ID)
- 2 The website or app of a bank that lends online
- 3 Income visible in ASAN Finance
- 4 A bank card to receive the money
Bank offers that fit this case
| Bank | Loan | Rate | Term | |
|---|---|---|---|---|
Rabitəbank
|
Nağd Pul Krediti | 10.5% | 48 mo. | Details |
Yelo Bank
|
İstehlak Krediti | 8.9% | 59 mo. | Details |
Unibank
|
Nağd Kredit | 9% | 60 mo. | Details |
|
Yelo Bank
|
Onlayn Kredit | 8.9% | 59 mo. | Details |
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ASB Bank
|
İstehlak krediti | 13% | 36 mo. | Details |
Mbulak BOKT
|
Ailə Krediti | 23%% | 18 ayadək mo. | Details |
Yapı Kredi Bank
|
İT və Telekommunikasiya krediti | 13% -dən başlayaraq% | 59 ayadək mo. | Details |
|
ASB Bank
|
Girovlu Ehtiyac Krediti | 13% | 36 mo. | Details |
Sample calculation
Estimated figures for 3 000 AZN over 24 months at ~8.9% effective rate. The exact number depends on the bank.
How to apply?
What to watch for?
- ✓ Memorize your ASAN Imza PINs in advance (PIN1 to confirm, PIN2 to sign) so you are not searching mid-process.
- ✓ The signature is valid for 3 years; if expired, the bank's request fails.
- ✓ Compare several banks' online offers the same day, but submit an application to only one.
Frequently asked questions
How do I get ASAN Imza?
Visit a mobile operator's service centre with your ID and get a special SIM card; the certificate is activated at an ASAN service centre. The process usually takes one day.
Is a contract signed with ASAN Imza legally binding?
Yes; by law an advanced electronic signature has the same force as a handwritten one. Keep the contract PDF.
Can I get a loan with SIMA too?
Some banks also accept the SIMA digital signature. Check the supported identification methods on the bank's website.
Related questions
Suitable loan types
Useful links
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