Consumer loans

Loan Calculator

Annuity Reducing

Easy Loan in 19 minutes

Just 150,000 AMD singly

Just 400,000 AMD for 2 persons

Just 750,000 AMD for 3 persons

Up to 24 month term

Without a pledge


If You urgently need money


      to meet consumer needs,

then “ Kamurj” UCO CJSC offers You a loan, with the following conditions:


Loan granting conditions

Indicator Conditions 
Borrower (s)/Co-borrower (s)¹ RA citizen (s) and RA resident individual (s) 
Age limitation 20-65    
Annual interest rate  22.8%    
Loan repayment term

Up to 24 month term

Grace period for loan payment

Up to 2 months (when only interest and service charges are repaid)


Easy Loan singly 

Easy_Loan for_2_persons

Easy_Loan for_3_persons

Current customer  Repaid_Loan customer
Granting fee 3.8% 2.8% 2.8% 2.8% 2.8%
Loan servicing monthly fee











Loan application review fee










 Loan amount







100,000 - 250,000




Payment mode

Equal monthly payments (annuity)

Granting mode With AMD, cash and  lump-sum    
Lending territory Territory of RA    
Early payment penalty The borrower should pay accrued interests and penalties (if any) until the early payment date  
Applicable penalties

0.5% of the unpaid amount per day (maximum 30 calendar days)

Maximum length of decision- making

With the presentation of all the required documents: 19 minutes

Maximum length of  loan granting

With the presentation of all the required documents: 2 hours



Monthly payments

1. If You have taken an ‘Easy Loan for 3 persons loan’ of 750,000 AMD with 24 - month term, then your monthly payment will approximately be 41,000 AMD.

2. If You have taken an ‘Easy Loan for 2 persons loan’ of 400,000 AMD with 24 - month term, then your monthly payment will approximately be 22,700 AMD.

3. If You have taken an ‘Easy Loan singly loan’ of 150,000 AMD with 24 - month term, then your monthly payment will approximately be 9,650 AMD.



List of necessary documents

• Passport  or/and Identification card and

 Social security card


Requirements for the client

 The sum of current and repaid loans of Customer should not exceed 45 schedule days in the last 12 days of the month, and 20 schedule days over the last 3 months,

 During the last one month there should not be 5 and more times ''New loan application’’mark in Customer’s credit report,

 At least one of the customers must have 3 -month registered salary in the NORK system (except for existing clients),

 The customer (borrower/ one of the co-borrowers) must have a credit history.



If the customer does not have a credit history or is not a registered employee

     If the customer does not have a credit history or is not a registered worker, then we suggest You to apply for ‘Easy loan in 19 minutes for 2 persons’ or ‘Easy loan in 19 minutes for 3 persons’loans and come together with a friend/ friends or a partner/partners.

One of the advantages of ‘Easy loan for 2 persons’, ‘Easy loan for 3 persons’ loan type is in the fact, that one of the borrowers must have a positive credit history, as well as a registered job. The other borrowers can not generally have a credit history, as well as a registered job but get ‘Easy loan for 2 persons’ or ‘Easy loan for 3 persons’ loan.  It is only necessary for one of the borrowers to satisfy the conditions (without presenting a reference from workplace, only being a registered worker and with a positive credit history).


 Loan approval mode


Visiting to customer’s workplace or place of residence is not done,

In case of ‘Easy loan for 2 persons’ and ‘Easy loan for 3 persons’ customers should be liable for the full amount of the loan,

For ‘Easy loan singly’, for current and repaid loan customers, having a co-borrower is not a requirement.


Other conditions³

 The maximum amount of the loan provided to existing customers may not exceed the repaid amount paid by themselves,

 Current customer of the Company can not be a co-borrower of this loan,

 Loan  can be provided to the current customer in such a case,  when at least 6 months from the date of the  current loan has past,

• Repaid loan customers can get new type of loan in such a case, when the loan is repaid within the previous 12 months.



¹  Persons affiliated with the borrower can not be the co-borrower of the same loan and  borrower.

²  The customer may be provided with only one of these products.

³  Within the scopes of the "Easy loan in 19 minutes" loan, in case of granting, INDIVIDUAL consumer loan in CASH type of microloan Of loan.


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.