Apply and refinance your existing consumer loans from other banks or credit organizations in the amount of up to 10,000,000  in a few seconds without a guarantor and additional documentation. You can apply for a loan through the sprintonline.am platform on all days of the week, at any time of the day, 24/7.

Loan Type

Unsecured consumer loan issued through www.sprintonline.am platform

Loan Purpose

Refinancing of consumer loans provided by RA banks and/or UCOs

Borrower description

RA resident individuals of 21 to 70 years of age

Loan currency


Annual nominal interest rate


Annual percentage rate

20.74- 23.99%

Loan amount


Maturity term

  • 60 months

Loan amount withdrawal fee

Loan disbursement method

Non cash

Loan repayment

Annuity (principal and interest monthly repayments)

Repayment of overdue liabilities

For each delayed day, a 13% 

  penalty is applied on the overdue amount.

Early repayment penalty

Not applied

Approval of the loan and notice to the customer


Loan interest rate is calculated based on the nominal interest rate, whereas the annual percentage rate indicates how much the loan  would cost in case of repayment of interest amount and other payments under the defined timeline and terms. For more information please refer to the "Annual Interest Rate Calculation Guide". 

Procedure of calculating the interests

Interest rate is applied to the decreasing balance of the loan based on the calculation of 365 days in a year.
Annual Percentage Rate Calculation Example

Loan provision date: 01/09/2019

Loan amount: AMD 1 000 000

Annual nominal interest rate: 14%

Loan term: 48 months

Loan provision one-off fee: AMD 33 000

Annual percentage rate: 17.03 %

Updated as of 26.03.2024 13:26