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Loan Without a Guarantor — 2026

A loan without a guarantor is a loan issued without requiring a guarantor (co-signer). It is usually offered for small and medium amounts, because the bank assesses the risk based solely on your income and credit history. It is convenient for people with a stable income who cannot find a suitable guarantor.

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 Without a Guarantor 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
ASB Bank	İstehlak krediti	13%	36 mo.	Details
Embafinans	İstehlak krediti	25%-dən başlayaraq%	36 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
Merkuri BOKT	Nağd Pul Krediti	21%-dən başlayaraq%	36 ayadək mo.	Details
Yapı Kredi Bank	Təkrar Müştəri Krediti	14%-dən başlayaraq%	59 ayadək mo.	Details
Bank Avrasiya	Plastik kart krediti	19%	48 mo.	Details
City Finance BOKT	İstehlak krediti	20%-dən başlayaraq%	24 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?

✓ The absence of a guarantor requirement may mean a higher effective rate — compare the effective rate of different offers.
✓ Instead of a guarantor, banks may ask for a stricter income document or salary turnover.
✓ Check your credit history in advance — for loans without a guarantor, approval depends more on it.
✓ Keep in mind that the maximum amount is often lower than for loans with a guarantor.

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Frequently asked questions

What documents are needed for a loan without a guarantor?

Usually an ID and a document confirming income (a salary certificate or bank statement) are required. The exact list varies depending on the bank.

How much can be borrowed without a guarantor?

The amount depends on your income and the bank's policy; loans without a guarantor are often issued with a lower limit than those with a guarantor. The exact amount is determined by the bank only after you apply.

Is the rate on a loan without a guarantor higher than on one with a guarantor?

Often the bank may reflect the risk in the rate since there is no guarantor, so the effective rate may be higher. That is why it is important to compare not just the nominal but the effective rate.

Can I get a loan without a guarantor if my credit history is poor?

It is possible but difficult, because without a guarantor the bank mainly looks at your history. No bank guarantees approval.

Useful links

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