Consumer loans

Promotion until September 16 – Grace period up to 3 months

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 promotion provides for a grace period of up to 3 months on a consumer loan. In case of taking a new or refinanced loan, you will be exempted from the monthly loan payment for a period of up to 3 months.

The advantages of the consumer loan are:

  • Simple borrowing process
  • Special conditions
  • Use for any purpose

What type of income is required to get the loan?

  • Salary (bonus / wage / supplement)
  • Service
  • Grant
  • Lease
  • Transfer
  • Dividend
  • Tutor


Loan Conditions
Loan amount From GEL 300
Currency GEL, USD, EUR (Loans up to GEL 200,000 are issued only in national currency)
Term 3-48 months  Unsecured, 120 months secured  with real estate
Grace period Up to 3 months on unsecured loans
Income From GEL 200
Annual interest rate in GEL From 11.85 %
Effective interest rate: From 15.78 %-*
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%, Min. -  GEL 20
Age 18 - 70 years old
Co-borrower No more than three co-borrowers are allowed (principal borrower + two co-borrowers)


 * Effective interest rate is calculated at 5000 GEL for 24 months;

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