Personal loan rates in Armenia
6 loan offers from 6 banks with amount and term limits. Rates from 12.9%. Compare the payment and overpayment for your own calculation.
| Bank | Product | Rate |
|---|---|---|
| Ardshinbank | Unsecured consumer loanAMD | from 12.9% |
| AMIO Bank | Consumer loanAMD | from 13.5% |
| Evocabank | Property-secured loanAMD | from 15% |
| Unibank | Consumer loanAMD | from 15% |
| VTB Bank (Armenia) | Real-estate-secured loanAMD | 17.5%–21% |
| Ameriabank | Unsecured consumer loanAMD | 0%–21.5% |
Data as of 2026-09. Rates are indicative and change — confirm the final terms with the bank.
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FAQ
What is the personal loan rate in Armenia?
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2026-09: Ardshinbank — from 12.9%; AMIO Bank — from 13.5%; Evocabank — from 15%; Unibank — from 15%; VTB Bank (Armenia) — 17.5%–21%. Your final rate depends on income, credit history and down payment.
How do I calculate the monthly payment?
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Open the calculator, enter the amount, term and the bank’s rate to see the payment, the overpayment and the full schedule.
Nominal or effective rate — which matters?
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Compare the effective rate (APR): it includes fees and insurance.