Consumer loans

Loan Calculator

Annuity Reducing

Consumer non-cash Microloan “Аccessible”

50,000-1,000,000 AMD

Starting at 9.8% interest rate

Up to 12 month term

Without a pledge


If You need money for


          to meet consumer needs,



then “ Kamurj” UCO CJSC for the purchasing of consumer goods from its partner suppliers, offers You a loan with the following conditions:


Loan granting conditions

Borrower (s)

RA citizen (s) and RA resident individual (s)

Age limitation Borrower's age at the moment of applying minimum 18, maximum 65
Loan amount 50,000-1,000,000 AMD
Annual interest rate  9.8%                   15.8% 21.8%
Loan repayment term

Up to 6 months   



Payment mode

Equal monthly payments (annuity)

Granting fee 2.8% 
Loan servicing monthly fee Free of charge 
Loan application review fee Free of charge 
Granting mode The loan amount is transferred to the bank account of the vendor partner  according to the presented invoice 
Lending territory

Territory of RA

Loan collateral

• up to 500,000 AMD can be provided without a guarantee

 in case of 500,001 - 1,000,000 AMD additional guarantee may be required

Early payment penalty The borrower should pay accrued interests and penalties (if any) until the early payment date 
Applicable penalties Overdue loan amount and overdue interest rates 0.12% per day (maximum 90 calendar days)
Maximum length of decision- making

In the case of a complete package:

 up to 500,000 AMD 1 hour

 in case of 500,001 - 1,000,000 AMD 2 hours


The borrower and the guarantor must have a positive credit history.

Persons affiliated with the borrower can not be the co-borrower of the same loan and borrower.

A visit to a client's/ guarantor’s business / place of residence is not done.


List of necessary documents

Application form (agreement of making a request from ACRA/NORK systems is included),

 A reference from workplace (with the indication of the periodicity of work) or income-generating documents about any income from any other source

• Passport or/and Identification card and Social security card

 For the guarantor the required documents are the same as mentioned in the 2nd and 3rd points and a consent of request with ACRA/ NORK systems


Other Conditions

The decisions different from the terms of this loan are made exclusively by the Credit Committee of the Company.

Within the framework of this loan, the Credit Committee may approve a loan maximum of 2,500,000 AMD.


ATTENTION: Actual annual interest rate shows how much the loan will cost to you after paying the interest rate and other payments in defined deadlines and amounts. You can find the calculation order of annual interest rate by pressing here 8/01


ATTENTION: If you do not perform your whole liabilities within prescribed time, the information about you will be recorded in the Credit Register of the Central Bank of Armenia by the creditor. 

Your assets (house, car, etc.) may be confiscated if you do not make payments of interest and credit amount within the prescribed time as well as other regulations specified in the agreement between you and the “Kamurj” company.