Loans

Our loan offers are formed thanks to an individual approach to our clients and that is why we have the most favorable conditions in our range!

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    Personal and business

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    Online and in branch

  • Amount

    Customized

Cash loan

Now you can obtain credits of up to 30,000 AZN from only 10.5% annual interest rate!

Special loan offer from Rabitabank!

Get financial support now from Rabitabank to make your dreams come true! 9.5%

Сampaign for Lombard credits

By pledging jewelry, you can get a cash loan of up to 36 months. Familiarize yourself with the terms and order the loan now!

Mortgage loan

Rabitabank offers mortgage credits allocated through the Mortgage and Credit Guarantee Fund on more favorable conditions for everyone who wants to buy a house!

Special mortgage loan offer from "MİDA"

Rabitabank offers mortgage credits allocated through "MİDA" on more favorable conditions for everyone who wants to buy a house!

Automobile Loan

If 1 (one) year has passed since the production date of the car you want to buy, then you can order a car loan by following the listed conditions.

Secured Cash Loan

It is now more convenient to obtain cash credit by showing a real estate security!

Deposit guaranteed loan

Terms of deposit guaranteed loan

FAQ

  • General loans
  • Cash loan
  • Consumer loan
  • Lombard loan
  • Mortgage loan
How can I apply for a loan?

You can easily apply for a loan by choosing one of the following methods:

  • Via the Rabita Mobile app — conveniently from anywhere.
  • By visiting our nearest branch.
  • By contacting our Call Center.
  • Online through our official website.
  • Quickly via RabitaBot.
Am I eligible for a loan?

Loan approval is assessed based on your income level, credit history, and the type of loan you apply for. For an accurate result, you can contact the bank and request an eligibility check.

How long does it take to process a loan?

The loan processing time may vary depending on the selected loan type and the submitted documents. In most cases, the process is completed within a short time.

What types of loans are available?

The following loan types are available at Rabitəbank:

  • Online Cash Loan — fully online application
  • Consumer Loan — cash loan for personal needs
  • Lombard Loan — fast loan secured by jewelry
  • Mortgage Loan — long-term loan for home purchase
  • MİDA Mortgage — state-subsidized housing loan
  • Car Loan — for a new car purchase
  • Secured Cash Loan — high-value loan secured by real estate
  • Deposit-Secured Loan — secured by a bank deposit
  • Business Loans — financial support for entrepreneurs and companies
What are the terms?
  • Interest rate: from 9.5%

  • Term: up to 59 months

  • Amount: up to 50,000 AZN

  • APR: min. 9.5% — max. 27.61%

How can I apply for a loan?

You can easily apply for a loan using one of the following methods:

  • Via the Rabita Mobile app — conveniently from anywhere.
  • By visiting the nearest bank branch.
  • By contacting our Call Center.
  • Online through the bank’s official website.
  • Quickly via RabitaBot.
Am I eligible for a loan?

Loan approval is assessed based on your income level and credit history. For an accurate result, you can contact the bank and request an eligibility check.

What will the monthly loan payment be?

The monthly payment amount depends on the loan amount, term, and interest rate. You can estimate your payment in advance using the online calculator.

How can I make my loan payments?
  • Via the Rabita Mobile app
  • Through RabitaBot
  • Via payment terminals
  • At bank branches
What is a consumer loan?

A consumer loan is a loan intended to meet personal needs and to purchase a specific product or service. The purpose of the product or service is disclosed to the bank, and the loan is issued for that specific need.

How can I apply for a loan?

You can easily apply by choosing one of the following methods:

  • By visiting the nearest branch
  • By contacting our Call Center
  • Online through our official website
  • Quickly via RabitaBot
What can I use a consumer loan for?

You can use a consumer loan for the following purposes:

  • Purchase of household appliances and electronics
  • Home renovation and furnishing
  • Medical services and surgery expenses
  • Tuition fee payments
Am I eligible for a loan?

Loan approval is assessed based on your income level and credit history. For an accurate result, you can contact the bank and request an eligibility check.

What are the terms of a consumer loan?

The terms are the same as for a cash loan:

  • Interest rate: starting from 9.5%
  • Term: up to 59 months
  • Amount: up to 50,000 AZN
  • APR: min. 9.5% — max. 27.61%
How long does it take to receive a loan decision?

After submitting your application, you will receive information about the loan decision shortly. For online applications, this may happen within a few minutes.

What are the terms of a lombard loan?
  • Interest rate: 18% annually (1.5% monthly)
  • Amount: up to 100,000 AZN
  • Term: from 3 to 48 months
  • Currency: AZN
  • APR: min.20,15%-max.38%
What documents are required for a lombard loan?
  • Valid identification document
  • Age requirement: 18–70 years
  • Collateral: gold jewelry items
How is the loan amount determined?

The loan amount is determined based on a certain percentage of the market value of the pledged gold jewelry items. The valuation is carried out at the bank branch.

How are my pledged items stored and protected?

Gold jewelry items are kept in the bank’s specially secured storage facilities.

Which branches offer lombard loans?

Available in all our regional branches.
In Baku and Sumgayit, it is available at the following branches:

  • Sumgayit: 102 S. Vurgun Street
  • Center: 1 B. Sardarov Street, Sabail District
  • Nizami: 26C Sarajevo Street, Khatai District
  • Yasamal: 408 Sharifzade Street
  • Sahil: 3 A. Rajabli Street, Narimanov District
  • Sabail: 1D A. Mustafayev Street, Nasimi District, Baku
  • Babek: 38A Babek Avenue, Nizami District, Baku
When can I get my item back?

Your pledged items are returned as soon as the loan is fully repaid.

Does a lombard loan require an additional guarantor or proof of income?

No, since a lombard loan is issued against collateral, no additional guarantor or proof of income is required.

Who can apply for a mortgage loan from Rabitabank?
  • Individuals receiving their salary through Rabitabank OJSC
  • Employees of companies approved by the bank’s committee
What are the terms of a mortgage loan?
  • Annual interest rate: 8%
  • Down payment: starting from 15%
  • Maximum amount: 150,000 AZN
  • Term: up to 25 years
  • Preferential mortgage: up to 100,000 AZN, 4% annually, for up to 30 years (through the Fund)
Who is eligible for a preferential mortgage loan?

Preferential mortgage loans are available to individuals who belong to the categories defined by the Mortgage and Credit Guarantee Fund.

How long does it take to process a mortgage loan?

After submitting the required documents, the mortgage loan is processed quickly within just 10 business days.

What is the minimum down payment percentage I need to pay?

The minimum down payment is 15%. It is calculated based on the value of the property.

What is the maximum mortgage loan amount?

For standard mortgage loans, the maximum amount is up to 150,000 AZN.
For preferential mortgages, it is up to 100,000 AZN.

Calculate with the loan calculator!

Calculate your monthly payment in advance with the loan calculator, plan your budget, and make your decision with confidence.

Calculate with the loan calculator!
More

Online Cash Loan

Sometimes the need for money arises unexpectedly. Unforeseen expenses, unplanned payments, or simply a plan you don’t want to postpone. In such situations, the most important thing is not to waste time.

With Rabitabank’s Online Cash Loan, you can apply without visiting the bank. Submit your request in just a few minutes via the website or mobile application. You choose the loan amount and the loan term yourself. With the help of the loan calculator, you can calculate your monthly payment in advance. This way, you see your repayment plan beforehand and make a confident decision.

Loan applications are reviewed оперативно. The process is simple, convenient, and does not create additional time loss. If you need money, getting it should be just as easy!

Consumer Loan

Life plans never end. Home renovation, new household appliances, wedding expenses, tuition fees, or personal needs. Sometimes additional financial support is required to turn these plans into reality.

A consumer loan is designed exactly for such needs. You can choose the loan amount and term according to your budget. By calculating the monthly payment in advance with the loan calculator, you can determine which option suits you best.

The application process is simplified. Minimum documentation is required, and the review period is short. Don’t postpone your plans. If the opportunity exists, make it happen now.

Pawn (Lombard) Loan

When you urgently need short-term funds, one of the fastest solutions is a pawn loan. If you own valuable items, you can pledge them and receive cash in a short time. The process does not take long. The collateral is evaluated, and a suitable loan amount is offered. With minimal documentation requirements, the loan is formalized quickly.

This type of loan is especially suitable for those who do not want to waste time and need to cover financial needs in the short term.

Mortgage Loan

Owning a home is one of the biggest goals for many people. Instead of paying rent, paying for your own home is a more reasonable choice.

With Rabitabank’s mortgage loan, you can purchase an apartment or a private house. A long-term loan option makes monthly payments more affordable. Using the loan calculator, you can make preliminary calculations yourself and plan according to your budget. The terms are clear and transparent. Each stage of the process is explained step by step so that everything goes smoothly for you.

Owning your own home is not as far away as you think.

Preferential Mortgage under the “MIDA” Line

The state-supported preferential mortgage under the “MIDA” line is intended for citizens who meet certain eligibility criteria. This loan stands out with lower interest rates and favorable down payment conditions. If you qualify, you can apply through Rabitabank. With the loan calculator, you can calculate your monthly payment in advance. This opportunity provides a more affordable path to home ownership for families. A great chance to plan your future more comfortably.

Car Loan

A personal car brings great convenience to daily life. Getting to work, school, family trips, and daily plans becomes much easier. With Rabitabank’s car loan, you can purchase a new or used vehicle. The loan amount is determined according to the selected car. You can choose the loan term yourself.

By calculating your monthly payment in advance with the loan calculator, you can find the option that fits your budget. The application process is simple and clear. Becoming a car owner is now more accessible.

Secured Cash Loan

Bigger plans require bigger financing. A secured cash loan is designed for those who need a higher loan amount. The loan is issued against real estate or other collateral. In this case, a larger amount and more favorable terms may be offered. The terms are determined individually. You can make preliminary calculations using the loan calculator. If you have big plans, don’t leave them unfinished.

Deposit-Secured Cash Loan

If you have a deposit and need additional funds, don’t rush to close your savings. With a deposit-secured loan, your savings remain intact while you receive additional funds. Your deposit continues to generate income. At the same time, you can borrow up to a certain percentage of your deposit to cover your needs. The process is convenient, and the formalization is fast. This type of loan is especially suitable for those who want to obtain extra funds without taking additional risks.