Consumer loan
A cash loan for repairs, education, shopping and everyday needs.
I want to borrow:
You pay:
55.91₼
monthly for 24 months at 30% a year
- Total repayment
- 1,342 ₼
- Total interest
- 342 ₼
- APR
- ≈ 35.9%
Commission: 1–3%. This is an estimate. Final terms are set after your application is reviewed.
Key terms
- Amount
- 100 – 10,000 ₼
- Term
- 6–36 months
- Annual rate
- 30–42%
- APR
- ≈ from 35.5%
- Commission
- 1–3%
- Age
- 22–60 years
Effective annual rate — the real yearly cost of the loan including the commission.
The consumer loan gives you cash for personal and family needs: home repairs, tuition, appliances, medical bills or unexpected costs. The amount and term are matched to your budget, and you repay the same amount each month so costs are easy to plan.
Who it’s for
- people with a steady income who need cash;
- anyone who wants to spread the cost of repairs or a purchase;
- people who need money for education or treatment.
Key terms
- Amount: AZN 100 to AZN 10,000
- Term: 6 to 36 months
- Annual rate: 30–42%
- Commission: 1–3%
- Age: 22–60
- Repayment: annuity — equal monthly payments
How to apply
- 1Choose the amount, term and rate in the calculator — the monthly payment and FİFD appear instantly.
- 2Fill in the online form. Your ID card details are enough.
- 3A specialist will contact you within 24 hours to confirm the terms.
- 4You sign the agreement at a branch and receive the money on the agreed terms.
What affects the final rate
The calculator gives an estimate. Final terms are set after your application is reviewed and generally depend on your income, existing debt, credit history, and the amount and term.
Payment example
AZN 5,000 over 12 months at 30% a year comes to an annuity payment of about AZN 487.44, with about AZN 849.23 in total interest.
About FİFD
A 1–3% commission applies. It doesn’t change the monthly payment, but it raises the loan’s real cost, which FİFD — the effective annual rate — reflects. Compare loans by FİFD.
Borrowing responsibly
- Keep the monthly payment within a comfortable share of your income.
- Borrow only what you need.
- Choose a payment date close to payday.
- If you know a payment will be late, contact us in advance.
How to keep the cost down
- Choose the shortest term whose payment still feels comfortable — the shorter the term, the less interest you pay.
- Borrow only what you really need.
- Pay on time — it also strengthens your credit history for future applications.
- When you can, repay part of the loan early: interest is charged on the outstanding balance, so your costs fall. Check the terms before signing.
- When comparing offers, look at FİFD rather than the headline rate.
Our branches
You can apply online or visit any Finex Kredit branch. Our head office is at the Chinar Park Business Center in Baku. In the regions, our branches in Sumgait, Gabala, Shamkir, Masalli and Goranboy are open on weekdays from 09:00 to 18:00. See addresses and the map on the “Branches” page.
Questions? Call +994 12 311 41 45 or write to us through the contact form on the website.
Need a loan?
Estimate your payment and apply online in 2 minutes.
Consumer loan: faq
Didn’t find your answer? Call or write to us.
Consumer loans are available to people aged 22–60. Income and existing debt are taken into account when the application is reviewed.