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.
Sample calculation
Estimated figures for 1 500 AZN, 18 months and ~8.9% effective rate. The exact number depends on the bank's terms.
Loan offers suitable for Household Appliances on Credit
| Bank | Loan | Rate | Term | |
|---|---|---|---|---|
Rabitəbank
|
Nağd Pul Krediti | 10.5% | 48 mo. | Details |
Unibank
|
Nağd Kredit | 9% | 60 mo. | Details |
Yelo Bank
|
İstehlak Krediti | 8.9% | 59 mo. | Details |
|
Yelo Bank
|
Onlayn Kredit | 8.9% | 59 mo. | Details |
ATB Bank
|
ATB İstehlak Krediti | 12.5% dən başlayaraq% | 48 ayadək mo. | Details |
City Finance BOKT
|
İstehlak krediti | 20%-dən başlayaraq% | 24 ayadək mo. | Details |
Xalq Bank
|
Məvacib + | 12% | 59 mo. | Details |
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TBC Kredit BOKT
|
İstehlak Krediti | 18%-dən başlayaraq% | 36 ayadək mo. | Details |
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VTB Bank
|
VTB Nağd Kredit | 9.5% | 59 mo. | Details |
|
Xalq Bank
|
Təmir Krediti | 12% | 59 mo. | Details |
|
TBC Kredit BOKT
|
Girovlu Kredit | 18%-dən başlayaraq% | 60 ayadək mo. | Details |
Yapı Kredi Bank
|
Səyahət Krediti | 14%-dən başlayaraq% | 59 ayadək mo. | Details |
How does buying on credit work?
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
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.