Can I apply for a loan by phone?
Yes, in two ways: through the bank's mobile app (fully online, within minutes) or by calling the call centre (an operator registers a preliminary application and then directs you to the app or a branch). A contract cannot be concluded by call alone; a signature or in-app confirmation is required.
Applying by phone can mean two different things. The mobile app is a fully online loan: scoring, signature, transfer, all from your phone. Applying by call is only a preliminary registration; the bank still has to identify you afterwards. Below we explain the steps of both routes and typical mistakes.
What you need
- 1 The bank's mobile app with an active profile (or the call-centre number)
- 2 ID card details
- 3 Income visible in ASAN Finance
- 4 A 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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Bank BTB
|
Nağd Pul krediti | 18%-dən başlayaraq% | 48 ayadək mo. | Details |
İnkişafa Dəstək Krediti
|
Istehlak Krediti | 30%-dən başlayaraq% | 24 ayadək mo. | Details |
Yapı Kredi Bank
|
Sürətli Kredit | 16%% | 59 ayadək mo. | Details |
|
Bank BTB
|
Daşınmaz əmlak təminatlı kredit | 16%-dən başlayaraq% | 36 ayadək mo. | Details |
Sample calculation
Estimated figures for 1 500 AZN over 12 months at ~8.9% effective rate. The exact number depends on the bank.
How to apply?
What to watch for?
- ✓ Call only the bank's official number shown on its website. Do not trust callers claiming to be "the bank" who ask for card details.
- ✓ Download the app only from the App Store / Google Play.
- ✓ After a call application, check the link sent by SMS: the domain must be the bank's official one.
Frequently asked questions
I ordered a loan by call; when will the money come?
The call is only a preliminary registration. Money arrives after identification and signing of the contract: minutes in the app, 1–2 hours in a branch.
I am a customer of another bank; can I get a loan in the app?
Many banks onboard new customers in the app via ASAN Imza or video identification. The loan is then processed in the usual way.
Is the rate different when applying by phone?
No, the channel does not affect the rate. Some banks waive the fee for the online channel, which is actually cheaper.
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