Cash Loan — 2026
A cash loan is a money loan issued for free use, not tied to a specific product or service. You can receive the amount in cash or on your card and direct it toward any purpose you wish. It is suitable for people who need flexible funds for various needs.
Sample calculation
Estimated figures for 2 000 AZN, 18 months and ~8.9% effective rate. The exact number depends on the bank's terms.
Cash 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 |
International BOKT
|
Rahat Kredit | 30%-dən başlayaraq% | 36 ayadək mo. | Details |
Yapı Kredi Bank
|
Neftçi Krediti | 13%-dən başlayaraq% | 59 ayadək 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 |
İdeal Kredit
|
Nağd Pul | 18%-dən başlayaraq% | 36 ayadək mo. | Details |
|
Yapı Kredi Bank
|
Təkrar Müştəri Krediti | 14%-dən başlayaraq% | 59 ayadək mo. | Details |
How to apply?
What to watch for?
- ✓ For free-purpose loans, the effective rate is often higher than for purpose-specific loans — compare.
- ✓ Borrow only as much as you really need, so that flexibility does not create excess debt.
- ✓ Check the commission, insurance and early-repayment terms in the contract.
- ✓ Calculate the ratio of the monthly payment to your income and check that it fits your budget.
Other loan types
Frequently asked questions
What can a cash loan be spent on?
A cash loan is for free use, meaning you can direct it toward any personal need. The bank usually does not require documentary proof of the purpose of the spending.
Why can the rate on a cash loan be high?
Since it is for free use and often unsecured, the bank assesses the risk as high, which is reflected in the effective rate. Compare offers by effective rate.
Is security required for a cash loan?
Small and medium amounts are often issued without collateral and without a guarantor. For large amounts, the bank may request an income document, a guarantor or collateral.
Can a cash loan be closed early?
This is possible at most banks, but some may apply a commission for early repayment. Check this condition in the contract in advance.