Consumer Loan
Get a consumer loan for any purpose.

Consumer Loan Calculator
Calculate Consumer Loan Terms
Consumer Loan Advantages
Access to the desired amount for any purpose.

Simple Approval Process
Confirm your income easily, regardless of where your salary or other income is deposited.

Flexible Purpose
No matter the purpose, unsecured consumer loans will cover any goal.

Tailored Terms
Loan terms are customized to suit you. Your personal banker is always there to ensure you receive the best offer possible.
Loan Conditions
Loan Amount | From 300 to 80,000 GEL for unsecured consumer loans / From 300 to 300,000 GEL for secured consumer loans |
Income | From GEL 200 |
Interest rate (nominal and effective*) | Unsecured consumer loan in GEL from 9.9%, effective from 15.8%; Indexed** interest: GEL from 13.2%, effective from 14.32%; USD from 8.5%, effective from 9.66%; EUR from 8%, effective from 9.12% |
Loan term | Secured consumer loan - minimum 3 months, maximum in GEL - 120 months; Unsecured consumer loan - minimum 3 months, maximum in GEL - 48 months |
ვალუტა | GEL, USD, Euro (Loans up to GEL400,000 are issued only in the national currency) |
Co-borrowers | A maximum of three co-borrowers are allowed (primary borrower + two co-borrowers) |
Age | 18 - 70 years |
Loan issuance fee | 2% min. 50 GEL, secured consumer loan / 2.5% min. 40 GEL, unsecured consumer loan |
Credit bureau verification fee | 300-10,000 GEL - 10 GEL; 10,000-20,000 GEL - 15 GEL; 20,000< - 20 GEL *In case of currency 5 euros, 10 dollars |
Other expenses | Cost of registering security in the public registry: from 158 GEL; Cost of removing security in the public registry: from 151 GEL |
*Effective interest is calculated on 5,000 GEL for 12 months (unsecured consumer loan) / 100,000 GEL for 120 months (secured consumer loan)