up to 36 months
Business loan
Working capital and growth financing for small and medium businesses.
- Amount
- 100 – 100,000 ₼
- Term
- 12–36 months
- Annual rate
- 28–40%
- Commission
- 1–3%
- APR
- ≈ from 32.8%
- Age
- 22–60 years
Central Bank licence No. 14 · since 2013
Need aFast & AffordableLoan?
Business, farming, personal and gold-secured loans from ₼100 to ₼100,000. Apply online and we’ll get back to you within 24 hours.
I want to borrow:
₼
From 100 ₼Up to 100,000 ₼
Repayment:
Monthly · annuity
You pay:
548.88₼
monthly for 24 months at 28% a year
- Total repayment
- 13,173 ₼
- Total interest
- 3,173 ₼
- APR
- ≈ 33.3%
Commission: 1–3%. This is an estimate. Final terms are set after your application is reviewed.
Finex loans are as simple as:
- 1. Calculate
- 2. Apply
- 3. Get the cash
Online services
Get started without visiting a branch
Finex loans
Pick the loan that fits you
All loans are repaid in equal monthly (annuity) payments. Choose a loan type to see its terms or go straight to the calculator.
up to 36 months
Gold-secured loan
Fast cash on simple terms, secured by your gold jewellery.
- Amount
- 100 – 100,000 ₼
- Term
- 3–36 months
- Annual rate
- 32–42%
- Commission
- 1–3%
- APR
- ≈ from 38.1%
- Age
- 22–60 years
Collateral is kept in rented bank safes.
up to 36 months
Agricultural loan
Loans for farmers and agricultural producers, with a grace period.
- Amount
- 1,000 – 50,000 ₼
- Term
- 12–36 months
- Annual rate
- 28–36%
- Commission
- 1–3%
- APR
- 30–38%
A grace period may apply — only interest is paid during it.
up to 36 months
Consumer loan
A cash loan for repairs, education, shopping and everyday needs.
- Amount
- 100 – 10,000 ₼
- Term
- 6–36 months
- Annual rate
- 30–42%
- Commission
- 1–3%
- APR
- ≈ from 35.5%
- Age
- 22–60 years
Gold-secured loan
Half the cost of a pawnshop loan
1.4%per month
Gold-secured loans from just 1.4% a month. Your jewellery is valued properly, kept in rented bank safes and monitored regularly.
See the terms
Other loans
CallLoans on individual terms
Terms for these loans are set individually — send a request and a specialist will call you with the details.
- Car loans and car leasingLoan and leasing options for buying a new or used car.Send a request
- Home repair and construction loanFinancing for renovation and building work.Send a request
- Entrepreneur loansConcessional loans funded by the Entrepreneurship Development Fund — Finex is an authorized lender of the fund.Send a request
Why Finex?
7 reasons to choose Finex
Finex Kredit NBCO is a transparently managed credit organization financing small and medium businesses, farmers and individuals.
Steadiness
Our experience goes back to 2007, and it includes working through times of crisis. What we value most is the ability to objectively assess real financial-market conditions and avoid serious organizational and technical mistakes.
Prompt service
We take care to keep lending time to a minimum. That time will be as comfortable as time spent at home — our service is made of many small details that surround you throughout the loan and every contact with us.
Professional approach
Our employees are, above all, a professional and friendly team of enthusiastic, sociable people ready to advise and support you at every stage of your business, as well as in financial and legal matters.
Years of lending experience
Long practice, experience and great team effort have allowed us to improve and bring to the proper level many matters related to lending, organization and business assessment.
Success in the securities market
We are an active participant in the securities market. By decision of the Baku Stock Exchange Listing Committee, on 24 December 2015 Finex Kredit securities became one of the first three issues admitted to the BSE standard listing segment.
Branch network
Our activity covers a large part of the country. Our head office in Baku and branches in Sumgait, Gabala, Shamkir, Goranboy and Masalli are at your service five days a week.
Security
Proper valuation of collateral, storage of gold in bank safes we rent, regular monitoring and strictly confidential cash collection are key conditions for the safety and stability of our company.
Business, farming, personal and gold-secured loans from ₼100 to ₼100,000.
Apply nowFinex bondsAbout bonds
Put your money to work
Finex corporate bonds are listed on the Baku Stock Exchange. Coupons are paid monthly, and bonds are available in manat and US dollars.
- Circulation period
- 1–3 years
- Annual yield (14–17.7% in recent issues)
- from 14%
- Nominal value per bond
- ₼500
- Coupon payments
- Monthly
To estimate your income accurately, check the quotation table: it lists the volume of available bonds, the annual coupon and the nominal value, while the redemption date tells you the holding period.
Estimate your bond income
₼
500 ₼500,000 ₼
Term
Annual yield17%
12%36%
- Monthly income
- 283.33 ₼
- Annual income
- 3,400.00 ₼
- Income over the term
- 6,800.00 ₼
Estimate only, before taxes.
Order bondsDaily bond quotation
Today’s quotation hasn’t been published yet. Call us for details.
* ACI — Accrued Coupon Income
About us
A financial partner you can rely on
Finex Kredit NBCO is a transparently managed credit organization financing small and medium businesses, farmers and individuals.
2013
Operating under Central Bank licence No. 14
2015
One of the first 3 issuers listed on the Baku Stock Exchange
6
Head office in Baku and regional branches
₼2.47M
Charter capital
Finex news
Latest news
Knowledge centre
Money guides
Clear, practical guides to help you make loan and investment decisions with confidence.
Branches
Find your nearest branch
Our Baku head office and regional branches are open on weekdays from 09:00 to 18:00.
Baku — Head office
Mon – Fri, 09:00 – 18:00 · +994 12 311 41 45
Transparency
Financial reports
Finex Kredit follows a transparent governance and reporting policy. Our official external auditor is RSM Global, and audit results are published every year.
Partners
Trusted by
FAQ
Questions about loans
Didn’t find your answer? Call or write to us.
Business, consumer and gold-secured loans are available to people aged 22–60. Agricultural loans are designed for farmers and agricultural producers.
Contact
Have a question? Write to us
Ask anything about loans, bonds or our branches — we’ll reply as soon as possible during business hours.
- Phone+994 12 311 41 45+994 12 440 56 15
- Mobile+994 55 250 05 96
- Emailinfo@finexkredit.az
- AddressChinar Park Business Center, bldg 1, 4th floor, office 413, Z. Bunyadov Ave., Baku
- Opening hoursMon – Fri, 09:00 – 18:00