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Flexible consumer loan with individual terms
This is a loan that you can take for any purpose, which is why the approval process is especially simple and convenient.
Our consumer loan terms will best suit your individual needs, as we handle each requirement with great responsibility and interest. We try to take into account all the important circumstances and make the loan conditions as acceptable as possible for you.
The advantages of the consumer loan are:
What type of income is required to get the loan?
| Loan Conditions | |
|---|---|
| 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 GEL 200,000 are issued only in national currency) |
| Term | Secured consumer loan - minimum 3 months, maximum in GEL - 120 months; Unsecured commercial loan - minimum 3 months, maximum in GEL - 36 months |
| Income | From GEL 200 |
| The annual interest rate in GEL | Unsecured consumer loan from 9,9% in GEL, Secured consumer loan from 13% in GEL; Secured consumer loan from 10,5% in USD; Secured consumer loan from 8,9% in EUR |
| Effective interest rate: | Unsecured consumer loan from 15,8% in GEL*, Secured consumer loan from 15%* in GEL; Secured consumer loan from 12,37%* in USD; Secured consumer loan from 10,9%* in EUR |
| Credit Bureau Verification Fee | GEL 300-10,000 - GEL10; GEL 10,000-20,000 – GEL 15; GEL 20,000< - 20 *in case of foreign currency - EUR 5, USD 10 |
| Loan fee | 2% for secured consumer loans / 2.50% for non-secured consumer loans; min 20 GEL |
| Age | 18 - 70 years old |
| Co-borrower | No more than three co-borrowers are allowed (principal borrower + two co-borrowers) |
| Others expenses | Cost of security registration in National Agency of Public Registry - from 158 GEL; Cost of removing the security of National Agency of Public Registry - from 151 GEL |
*The effective interest rate is calculated for 5,000 GEL for 12 months (unsecured loan) / for 100,000 GEL for 120 months (secured loan)
