Consumer Finance | Loans | Ameriabank
My Ameria
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We offer a quick and convenient option for purchasing household appliances, computer equipment, smartphones, mobile devices, furniture and other goods used in everyday life.

Now you can buy goods getting an installment loan directly in the store [1] just in a few minutes, without visiting the bank. 

  • Convenient: no need to visit the Bank
  • Quick: the decision is made in 5 minutes
  • The bank may approve a credit limit beyond the amount requested so that you can buy other necessary goods.

[1] You may buy goods on installment plan only in select stores partnering with the bank.


Consumer finance - 0% for 3 months

FAQ

What documents are required to buy goods in installments?

You need to present only your passport/ID and the social card in order to formalize a purchase on an installment plan just in the store.

How can I repay the installment loan?

Once you formalize your purchase with an installment loan with Ameriabank, you can make installments and pay other amounts due via payment terminals, wire transfer, at our branches and of course via Ameria Online Banking on our web-site.

Who can receive installment loans?

Installment loans are provided to the individuals aged 20-65 who are residents of the Republic of Armenia.

What can I buy installment loans?

You can buy household appliances, computer equipment, smartphones, mobile devices, furniture and other products.

How is the payable amount transferred?

The amount of approved installment loan is transferred to the store based on your instruction specified in the agreement.

How is the decision on the installment loan made?

The decision on the installment loan, the maximum amount of finance as well as the reasons for rejecting the loan application are based on the client’s creditworthiness assessment.

Your application may be rejected if:

  • You have a bad credit history
  • The presented data is not trustworthy

Can I cancel the installment loan?

Yes, you can refuse from the finance without providing any reasons by terminating the agreement unilaterally within 7 (seven) business days (unless a longer term is specified in the agreement).

In such cases, buyers are required to pay the interest calculated at the annual percentage rate under the loan agreement.

The are no other amounts payable in case of termination of the agreement.

Terms of financing (purchase of goods)

Client's personal details

Eligible age

20- 65

Residency

Citizens and non-citizens of Armenia*

Terms of finance 

Currency

AMD

Financing limit

Minimum AMD 50,000

Maximum AMD 5,000,000

Term (months)

6 - 60

Annual percentage rate

0 % - 24 %

Monthly account service fee

0 %

Annual nominal interest rate

0 % - 21.5 %

Disbursement fee (lump-sum)/down payment 

N/a

Repayment methods 

Repayments

Annuity. Loan and interest payable together in even installments on a monthly basis.

Security

Eligible security

The purchased item is considered the security

Max debt-to-value ratio

100%

Required documents

Documents

• Personal identification document

• PPSN/social card 

Fines and penalties

Late payment fines and penalties (principal and interest)

In case of breach of the repayment term under the agreement the Client shall pay to the Bank a fine in the amount of 0.13% of overdue amount and interest for each day of delay. 

. No fines and penalties are applied for the repayment before the due date. 

Coverage

Communities 

Republic of Armenia 

 

 

Terms of financing (delivery of services)

Client's personal details

Eligible age

20 - 65

Residency

Citizens and non-citizens of Armenia*

Terms of finance 

Currency

AMD

Financing limit

Minimum AMD 50,000

Maximum AMD 1,500,000

Term (months)

6 - 24

Annual percentage rate

0 % - 24 %

Monthly account service fee

0 %

Annual nominal interest rate

0 % - 21.5 %

Disbursement fee (lump-sum)/down payment 

N/a

Repayment methods 

Repayments

Annuity. Loan and interest payable together in even installments on a monthly basis.

Required documents

Documents

• Personal identification document

• PPSN/social card 

Fines and penalties

Late payment fines and penalties (principal and interest)

In case of breach of the repayment term under the agreement the Client shall pay to the Bank a fine in the amount of 0.13% of overdue amount and interest for each day of delay. 

. No fines and penalties are applied for the repayment before the due date. 

Coverage

Communities 

Republic of Armenia 

Terms of consumer finance for purchase of solar panels 

Client's personal details

Eligible age

20 - 65

Residency

Citizens and non-citizens of Armenia*

Terms of finance 

Currency

AMD

Financing limit

Minimum AMD 200,000

Maximum AMD 5,000,000

Term (months)

6-108

Annual percentage rate

 15.5 % 

 

Monthly account service fee

0 %

Annual nominal interest rate

0 % - 17 %

Disbursement fee (lump-sum)/down payment 

N/a

Repayment methods 

Repayments

Annuity. Loan and interest payable together in even installments on a monthly basis.

Security

Eligible security

The purchased item is considered the security

Max debt-to-value ratio

100%

Required documents

Documents

• Personal identification document

• PPSN/social card 

Fines and penalties

Late payment fines and penalties (principal and interest)

In case of breach of the repayment term under the agreement the Client shall pay to the Bank a fine in the amount of 0.13% of overdue amount and interest for each day of delay. 

. No fines and penalties are applied for the repayment before the due date. 

Coverage

Communities 

Republic of Armenia 

 

Terms of consumer finance for purchase of solar panels under the "Jerm Ojakh" program

Client's personal details

Eligible age

20 - 65

Residency

Citizens of Armenia

Terms of finance 

Currency

AMD

Financing limit

Minimum AMD 275,000

Maximum AMD 3,000,000

Term (months)

Water Heaters - 60-96 months

Solar station-60-108

Annual nominal interest rate

Water Heaters -10.9%,

Solar station- 10.5%

Monthly account service fee

0 %

Annual percentage rate

Water Heaters 0 % - 12.12 %

Solar station 0% - 11.5%

Disbursement fee (lump-sum)/down payment 

N/a

Repayment methods 

Repayments

Annuity. Loan and interest payable together in even installments on a monthly basis.

Security

Eligible security

The purchased item is considered the security

Max debt-to-value ratio

100%

Required documents

Documents

• Personal identification document

• PPSN/social card 

Fines and penalties

Late payment fines and penalties (principal and interest)

In case of breach of the repayment term under the agreement the Client shall pay to the Bank a fine in the amount of 0.13% of overdue amount and interest for each day of delay. 

. No fines and penalties are applied for the repayment before the due date. 

Coverage

Communities 

Republic of Armenia (exclusively the administrative district of the center of Yerevan)

 

1. Payment terminals
2. Wire transfers
3. Bank’s branches
4. Online: on the Bank's website  

Payment method

Commission fee

Wire transfer and Ameriabank’s payment terminals

0

Payment terminals of Easy Pay, Telcell, MobiDram, idram, UPay

МobiDram, idram- 200 AMD

Easy Pay -300 AMD

Telcell - 400 AMD

HayPost - 300 AMD

UPay - up to 35,000 AMD - 200 AMD, starting from 35,001 AMD - 0.6%

Repayment of loan and interest at the bank’s premises

AMD 500 (for each cash operation)

Online: on the Bank's website

0 AMD

ԴՈՒ ԻՐԱՎՈՒՆՔ ՈՒՆԵՍ ՀԱՂՈՐԴԱԿՑՎԵԼ ՖԻՆԱՆՍԱԿԱՆ ԿԱԶՄԱԿԵՐՊՈՒԹՅԱՆ ՀԵՏ ՔՈ ՆԱԽԸՆՏՐԱԾ ԵՂԱՆԱԿՈՎ՝ ՓՈՍՏԱՅԻՆ ԿԱՊԻ ՄԻՋՈՑՈՎ ԿԱՄ ԷԼԵԿՏՐՈՆԱՅԻՆ ԵՂԱՆԱԿՈՎ: ԷԼԵԿՏՐՈՆԱՅԻՆ ԵՂԱՆԱԿՈՎ ՏԵՂԵԿԱՏՎՈՒԹՅԱՆ ՍՏԱՑՈՒՄԸ ԱՄԵՆԱՀԱՐՄԱՐԱՎԵՏՆ Է: ԱՅՆ ՀԱՍԱՆԵԼԻ Է 24/7 ՌԵԺԻՄՈՎ, ԶԵՐԾ Է ԹՂԹԱՅԻՆ ՏԵՂԵԿԱՏՎՈՒԹՅԱՆ ԿՈՐՍՏԻ ՌԻՍԿԵՐԻՑ ԵՎ ԱՊԱՀՈՎՈՒՄ Է ԳԱՂՏՆԻՈՒԹՅՈՒՆ:

*Resident individuals of the Republic of Armenia (hereinafter “resident individuals”) are individuals who have been actually residing in the Republic of Armenia for 183 days and longer during the tax year (Republic of Armenia Tax Code, article 25).

 INTERFOOD LLC/ ASHLEYSTORE

Currency

AMD

Financing limit

50,000 - 1,500,000

Down payment

N/A

Term (months)

· 18-60 (action 12),

· 24-60 (action 18),

· 30-60 (action 24):

Annual nominal interest rate

· 1-12 months  0%, from 13-th month 21.5%,

· 1-18 months 0%, from 19-th month 21.5%

· 1-24  months  0%, from  25-th month  21.5%:

Annual percentage rate

0-24%

Monthly account service fee

0%

Disbursement fee (lump-sum)/down payment 

N/A

Repayments

Annuity. Loan and interest payable together in even installments on a monthly basis.

Eligible security

The purchased item is considered the security

Max debt-to-value ratio

Up to 100%

Documents

• Personal identification document

• PPSN/social card 


ZS TOP LLC /SKILL AM

Currency

AMD

Financing limit

50,000 – 5,000,000

Down payment

N/A

Term (months)

· 6 (action 6),

·12 (action 12):

Annual nominal interest rate

· 1-6 months 0%

· 1-12 months  0%

Annual percentage rate

0-24%

Monthly account service fee

0%

Disbursement fee (lump-sum)/down payment 

N/A

Repayments

Annuity. Loan and interest payable together in even installments on a monthly basis.

Eligible security

N/A

Max debt-to-value ratio

-

Documents

• Personal identification document

• PPSN/social card 

Last updated on 04.04.2022, 17:18