Can I get a loan without visiting a bank?
Yes. Most banks now issue fully online loans: you apply on the website or mobile app, income is checked via ASAN Finance, the contract is signed with ASAN Imza or an SMS code, and the money is sent to your card. A branch visit is only needed for secured and large loans.
Online lending has become the norm in Azerbaijan in recent years. For the process to be fully remote, three conditions apply: your income must be verifiable electronically, your identity must be confirmable remotely (ASAN Imza, video identification or being an existing customer), and the amount must be within the bank's online limit. Below we walk through the process step by step.
What you need
- 1 Income paid to a card and visible in ASAN Finance
- 2 ASAN Imza or an active profile in the bank's mobile app
- 3 ID card (new generation, with chip)
- 4 A local 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 |
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 |
ATB Bank
|
ATB İstehlak Krediti | 12.5% dən başlayaraq% | 48 ayadək mo. | Details |
City Finance BOKT
|
İstehlak krediti | 20%-dən başlayaraq% | 24 ayadək mo. | Details |
Xalq Bank
|
Məvacib + | 12% | 59 mo. | Details |
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TBC Kredit BOKT
|
İstehlak Krediti | 18%-dən başlayaraq% | 36 ayadək mo. | Details |
Sample calculation
Estimated figures for 2 000 AZN over 24 months at ~8.9% effective rate. The exact number depends on the bank.
How to apply?
What to watch for?
- ✓ Start from the app of a bank where you are already a customer: identification is skipped and approval takes minutes.
- ✓ Online loan rates are sometimes lower than in the branch; compare.
- ✓ Check the effective rate and fees in the PDF before signing the contract.
Frequently asked questions
When does the money from an online loan arrive?
Usually within 5–30 minutes of approval to your card. A transfer to another bank's card can take up to one business day.
I have no ASAN Imza; can I still get an online loan?
Yes; many banks sign the contract in the mobile app via SMS code or video identification. For new customers ASAN Imza simplifies the process.
What is the maximum online loan?
Banks usually cap online loans at 10,000–30,000 AZN. For larger amounts or collateral you may be invited to a branch.
Related questions
Suitable loan types
Useful links
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