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Become one of us. Get flexible consumer loan with individual terms.
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It doesn't matter what you need the money for — what matters is that you have a goal, and our consumer loan is here to help you achieve it. Join us and get terms tailored to you.
Our consumer loan terms are designed to fit your individual needs because we handle every request with great responsibility and care. We aim to consider all important circumstances and make the loan terms as acceptable for you as possible.
Advantages of a consumer loan:
What types of income are required to get a loan?
Review the consumer loan agreements:
To view agreements for all products, follow this link: https://bit.ly/3BwYxdv
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| Loan Terms | |
|---|---|
| Loan Amount | From 300 to 80,000 GEL for unsecured consumer loans / From 300 to 300,000 GEL for secured consumer loans |
| Currency | GEL, USD, EUR (Loans up to 500,000 GEL are issued only in national currency) |
| Loan Term | Secured consumer loan – minimum 3 months, maximum 120 months in GEL; Unsecured consumer loan – minimum 3 months, maximum 48 months in GEL |
| Minimum Income | From 200 GEL |
|
Interest Rate (Nominal and Effective*) |
Unsecured consumer loan in GEL from 9.9%, effective from 15.8%; |
| Credit Bureau Verification Fee | 300–10,000 GEL – 10 GEL; 10,000–20,000 GEL – 15 GEL; over 20,000 GEL – 20 GEL. For foreign currency: 5 EUR or 10 USD |
| Loan Issuance Fee | 2% (min. 50 GEL) for secured consumer loans / 2.5% (min. 40 GEL) for unsecured consumer loans |
| Age | 18 to 70 years |
| Co-borrower | Up to three co-borrowers allowed (primary borrower + two co-borrowers) |
| Other Fees | Public Registry registration fee for collateral: from 158 GEL; collateral release fee: from 151 GEL |
*Effective interest rate is calculated on 5,000 GEL for 12 months (unsecured consumer loan) / 100,000 GEL for 120 months (secured consumer loan)
