- 12MonthsMaximum period
- 150,000AMDMaximum laon amount
- 50,000PeopleGot a loan
Thanks to the new "Global Credit" service, Idram, Telcel and Izipay users can apply and receive a loan to their account within seconds, at any time of the day, from anywhere. Idram Premium Plus, Telcel, Easypay Premium and uPay Super users who are identified in the system with a valid passport can top up their account with credit.
The decision to issue a loan is made by the "Global Credit" UCC through a request sent to the ACRA credit bureau (the decision on receiving a loan is based on the Customer's credit history and the fact that he has been a customer for a sufficient period of time in the relevant wallet). After receiving the loan approval and signing the contract online, the money is immediately transferred to the relevant wallet account, from which it can be cashed out or used online by making payments and transfers.
| Loan name | Wallet loans |
| Customer's age | 21-65 |
| Loan amount | 10,000 AMD, 20,000 AMD, 40000 AMD, 80,000 AMD, 100,000 AMD, 150,000 AMD |
| Loan term | 12 months |
| Lending term | non cash |
| Lending fee (one time) | 100-750 AMD |
| Annual interest rate | 0% |
| Annual factual interest rate | 447-460% |
| Daily service fee | 0.5% of loan balanced amount |
| Loan payment | in the end of the term |
| Service payment | every month |
| Application review fee | not defined |
| Early payment of loan | penalties are not applied |
| Overdue amount penalty | 0.13% daily |
| Overdue interest rate penalty | 0.13% daily |
| overdue interest amount (loss) | 24% monthly |
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- Application
- Preparation of documents
- Loan confirmation
- 1Fast
- 2Online
- 3At every time
