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Household Appliances on Credit — 2026

Buying a refrigerator, washing machine, stove, or other household appliances on credit lets you meet the home's needs without waiting. For appliances in the 500-8000 AZN range, a typical case is splitting a 1500 AZN set into 18 months. Looking at the energy class, warranty, and real running costs rather than the brand is key to a worthwhile choice.

Bank offers

Lowest rate

8.9%

Est. monthly payment

89 ₼

Price range

500–8 000 ₼

Sample calculation

Estimated figures for 1 500 AZN, 18 months and ~8.9% effective rate. The exact number depends on the bank's terms.

Monthly payment

89 ₼

Total payment

1 608 ₼

Extra payment (interest)

108 ₼

Calculate your amount →

Loan offers suitable for Household Appliances on Credit

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
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
Bank Respublika	Nağd İstehlak Krediti	10%	59 mo.	Details
Kredagro(TezKredit)	Tez Kredit	48%-dən başlayaraq%	24 ayadək mo.	Details
Naxçıvan Bank	İstehlak Krediti	17%	36 mo.	Details
ABB Bank	Onlayn Kredit	10.9%	60 mo.	Details

See all offers in the calculator →

How does buying on credit work?

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?

✓ Check the energy class (A, A+ and above), because a cheap model may consume a lot of electricity over the long run.
✓ Confirm the official warranty and whether the service center is located in your city.
✓ Ask in advance about the cost of delivery, installation, and removal of the old appliance.
✓ Compare the same appliance in several places by the effective interest rate, because the total payment can differ significantly.

Similar products

📺 TV on Credit ❄️ Air Conditioner on Credit 🧊 Refrigerator on Credit 🧺 Washing Machine on Credit 🍽️ Dishwasher on Credit 🔥 Microwave Oven on Credit 🧹 Vacuum Cleaner on Credit 🔧 Combi Boiler on Credit

Frequently asked questions

Can I combine several appliances into one loan?

Yes, many stores combine several appliances into one loan within the same purchase. Although this raises the total amount, a single monthly payment is convenient.

Is 18 months a normal term for a 1500 AZN set?

For this amount, 18 months eases the monthly burden, but the longer the term, the more interest you pay overall. Compare the monthly payment with the total amount and decide.

What happens if the warranty is shorter than the loan term?

Even if the appliance breaks down, the loan debt continues. That's why you should pay attention to a long warranty period and a reliable service.

Are second-hand appliances sold on credit?

Credit is usually given for new appliances. For used appliances, the warranty and credit options are limited, which increases the risk.

Useful links

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