01
No hidden charges
Every charge — servicing, one-off, penalties — is set out before the contract is signed, in an individual sheet of essential terms.
Behind an applicationwe see more than a number.We see a goal.
NEOCREDIT
A financial solution begins with a conversation, clear terms, and respect for each client’s circumstances.
- No early-repayment penalty
- Answer within 1–2 business days
- Paid to your bank account
Lending programmes
Choose what fits you
The annual percentage rate sits next to the nominal one — no fine print.
How it works
Four steps, no needless bureaucracy
- 01
Choose your loan
The calculator shows the monthly payment and the annual percentage rate before you apply.
- 02
Fill in the application
Passport and public services number. Any other documents depend on the loan type.
- 03
Get an answer
A decision on the application is provided within 1–2 business days.
- 04
Money in your account
Paid in full, by transfer to your bank account — within 10 business days of approval at the latest.
Secured
Loan secured by a car
Up to 10,000,000 ֏ secured by a car
- Nominal rate
- 19–24%
- Annual percentage rate
- 44.56–58%
- Amount
- 300 000 ֏ – 10 000 000 ֏
- Term
- 12–60 mo
WE INFORM YOU THAT THIS LOAN TYPE CARRIES A HIGH ANNUAL PERCENTAGE RATE. THEREFORE, PLEASE FIRST CONSIDER OTHER SIMILAR SERVICES AVAILABLE ON THE MARKET AND ASSESS YOUR ABILITY TO REPAY THE LOAN.
Calculator
See the payment before you apply
Choose a programme, an amount and a term
Repayment method
֏
%
Annual percentage rate
26.82%
Interest paid
134 715
Monthly payments
94 560
Total payment
1 134 715
Coming soon
This calculation is indicative and for information only. Final terms are set individually after a solvency assessment and fixed in the contract. Interest accrues daily on the outstanding balance; the year is taken as 365 days. Servicing and one-off fees are included in the calculation.
Why Neo Credit
Transparency as a way of working
NEO CREDIT
- 02
Early repayment is free
You may repay at any time, with no penalties or fines. The total cost of credit is reduced proportionally.
- 03
7 days to think it over
Within 7 business days of signing you may terminate the contract unilaterally, without giving a reason.
- 04
Responsible lending
We assess each client's solvency and offer what will not make their financial situation harder.
A decision on the application is provided within 1–2 business days. Once approved, the loan is disbursed within 10 business days at the latest, depending on the loan type.
The basic set: passport or ID card and public services number (social card). Secured loans additionally require ownership and valuation documents for the property.
It shows what the loan will actually cost you: it includes interest and all mandatory payments, assuming they are made in full and on time. This is the figure to compare offers by.
Yes. Early repayment is allowed at any time and no penalties or fines apply. The total cost of credit is reduced proportionally.
A penalty of 0.13% per day accrues on the overdue amount. Details of the delay are sent to the credit bureau within 1–3 business days and appear in your credit history.
Yes, there are unsecured programmes that do not require registered income. A monthly servicing fee applies in that case, and the decision is based on credit history and internal scoring.
Contact
Let's talk
Call, write, or come to the office. We reply on business days.
Address
24 V. Vagharshyan St., unit 41, Yerevan 0012, Armenia
Monday–Friday, 10:00–18:00