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Consumer loan

Terms and conditions of the loan:

 
  • Currency – Georgian Lari (GEL);
  • Loan repayment terms – annuity payments as per amortized loan schedule, or interest payments with full principal repayment at the end of the loan repayment period;
  • Loan amount: from GEL 1,500 to GEL 5,000;
  • Warrantors: one warrantor required for issuing loans  under GEL 2500; two warrantors are required for a loan from GEL 2500 to GEL 5000;
  • Loan duration – up to 30 months;
  • Loan purpose – for any legal activity.

 
Loan approval process:

 
  • Loan application form should be completed by customer in the company office;
  • Loan officer interviews a customer and agrees with the customer to visit  business premises (if any) one of the objectives being to take photos;
  • The customer provides documents required by the loan officer;
  • The loan officer submits required documents to the credit committee for approval. The customer will be notified about the committee decision within one business day;
  • Loan disbursement.
 
 
Required documents:

 
  • Confirmation documents for earnings of a customer and warrantor(s)
  • IDs of the client and warrantor(s);
  • Credit committee at its discretion, may request additional documents.