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Loan in Baku — 2026

In Baku, offers from nearly all of the country's banks are available for taking out a loan. In the capital, major banks are represented by a wide branch network, and you can also submit an application online. Through mani.az it is easy to compare offers and choose the terms that suit you best.

Bank offers

Lowest rate

8.9%

Est. monthly payment

137 ₼

Example amount

3 000 ₼ / 24 mo.

Sample calculation

Estimated figures for 3 000 AZN, 24 months and ~8.9% effective rate. The exact number depends on the bank's terms.

Monthly payment

137 ₼

Total payment

3 286 ₼

Extra payment (interest)

286 ₼

Calculate your amount →

Loan in Baku offers

Bank	Loan	Rate	Term
Rabitəbank	Nağd Pul Krediti	10.5%	48 mo.	Details
Unibank	Nağd Kredit	9%	60 mo.	Details
Yelo Bank	İstehlak Krediti	8.9%	59 mo.	Details
Yelo Bank	Onlayn Kredit	8.9%	59 mo.	Details
TBC Kredit BOKT	İstehlak Krediti	18%-dən başlayaraq%	36 ayadək mo.	Details
VTB Bank	VTB Nağd Kredit	9.5%	59 mo.	Details
Xalq Bank	Təmir Krediti	12%	59 mo.	Details
TBC Kredit BOKT	Girovlu Kredit	18%-dən başlayaraq%	60 ayadək mo.	Details
Yapı Kredi Bank	Səyahət Krediti	14%-dən başlayaraq%	59 ayadək mo.	Details
Xalq Bank	Təhsil krediti	12%	59 mo.	Details
International BOKT	Rahat Kredit	30%-dən başlayaraq%	36 ayadək mo.	Details
Yapı Kredi Bank	Neftçi Krediti	13%-dən başlayaraq%	59 ayadək mo.	Details

See all offers in the calculator →

How to apply?

Choose the amount

Decide the price of what you want to buy and the repayment term.

Compare offers

Compare banks' effective rate, term and monthly payment side by side.

Apply online

Pick a suitable offer and fill in the application form.

The bank contacts you

The bank checks the documents and finalizes the loan after approval.

What to watch for?

✓ When comparing, look at the annual effective interest rate rather than the monthly payment.
✓ Put several banks' offers side by side and fine-tune the amount and term.
✓ You can apply online and get a preliminary answer without going to a branch.
✓ Keep your ID and income statement ready before applying.

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Frequently asked questions

Which banks in Baku can I get a loan from?

In Baku, offers from most of the banks operating in the country are available. On mani.az you can compare the loan terms of various banks and make your choice.

Is an online loan possible in Baku?

Yes, many banks offer the option to apply online for residents of Baku. You can get a preliminary answer over the internet and then go to a branch only to complete the paperwork.

How long does it take to compare loans in Baku?

Comparing offers on mani.az takes a few minutes. Enter the amount and term, and you can see suitable options right away.

What documents are required for a loan?

Usually an ID and information about income are required. The exact list of documents depends on the terms of the bank and loan type you choose.

Useful links

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