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Large-Amount Loan — 2026

A large-amount loan is a loan issued for high-value needs — for example, property, renovation or major expenses. Due to the high amount, the bank usually requires an income document, a guarantor or collateral and checks your ability to pay more strictly. It is suitable for people with a stable, documented income.

Bank offers

Lowest rate

8.9%

Est. monthly payment

635 ₼

Example amount

20 000 ₼ / 36 mo.

Sample calculation

Estimated figures for 20 000 AZN, 36 months and ~8.9% effective rate. The exact number depends on the bank's terms.

Monthly payment

635 ₼

Total payment

22 862 ₼

Extra payment (interest)

2 862 ₼

Calculate your amount →

Large-Amount Loan offers

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
Xalq Bank	Məvacib +	12%	59 mo.	Details
TBC Kredit BOKT	İstehlak Krediti	18%-dən başlayaraq%	36 ayadək mo.	Details
Xalq Bank	Təmir Krediti	12%	59 mo.	Details
TBC Kredit BOKT	Girovlu Kredit	18%-dən başlayaraq%	60 ayadək mo.	Details
Bank Respublika	Nağd İstehlak Krediti	10%	59 mo.	Details
Xalq Bank	Təhsil krediti	12%	59 mo.	Details
International BOKT	Rahat Kredit	30%-dən başlayaraq%	36 ayadək mo.	Details
Kapital Bank	Nağd pul krediti	10.9%	60 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?

✓ For large amounts, collateral or a guarantor is often required — clarify the conditions in advance.
✓ Over a long term, even a small rate difference turns into a large amount in total cost, so compare the effective rate carefully.
✓ Make sure the monthly payment does not exceed a reasonable portion of your income.
✓ Include insurance, processing and early-repayment commissions in the total cost.

Other loan types

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Frequently asked questions

What is required for a large-amount loan?

Usually a stable income document, and often a guarantor or collateral, is required, because the bank's risk is high. The specific requirements depend on the bank and the amount.

Is a large-amount loan issued without a guarantor?

For high amounts, banks usually ask for a guarantor or collateral. Although a no-guarantor option may be possible, the amount may be limited and the effective rate high.

How important is the rate difference on a large-amount loan?

Very important: since the amount is large and the term is long, even a small rate difference turns into a large amount in the total payment. Be sure to compare the effective rate.

How long can the term of a large-amount loan be?

The term is usually long, in line with the amount, so that the monthly payment fits the budget. The exact term depends on the bank's policy and your ability to pay.

Useful links

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