Urgent credit line
If your salary or pension are credited to your account at Kapital Bank, you can open an express credit line with our Bank.
If your salary or pension are credited to your account at Kapital Bank, you can open an express line of credit with our Bank. Through an opened credit line you can withdraw cash from an ATM at any time.
Good to know
- Fee for non-cash payments - 0%
- Credit line can be used up to 24 months.
- Credit line limit – AZN 50 - AZN 500
Annual Interest of 29% is applied on the daily basis to the amounts used from the credit limit.
- A credit line can be opened for Kapital Bank salary or pension card holders. However, the final decision on issuing the loan, is determined according to the bank's internal rules and based on analysis of customer.
- 1% of commission will be charged for a cash withdrawal at the ATMs.
- If the remaining debt is not being paid off in full within 40 days after due date, the limit of the card is automatically nullified and a 0.2% penalty is applied to the remaining balance or the outstanding amount of credit.
- Age limits: 18-70.
- Employed at the current job for at least 3 months. This requirement does not apply to pensioners.
- Identity card / Military ID card
- Which loan products are available at your bank?
Our bank offers the following loan products to customers:
- Cash consumer loans
- Urgent credit line overdraft product
- Secured loan in manat
- BirKart credit card
- Deposit secured loan
- Consumer loans
- Consumer loans for non-card holders
- Who can use the proposed credit products?
Credit products are available to persons who have their salary or pension card with Kapital Bank.*
*In order to get a loan from it is mandatory to hold a salary or pension card of Kapital Bank. However, the final decision on issuing the loan, is determined according to the bank's internal rules and based on analysis of customer.
- Which documents are required for loan application?
You can apply for a credit with your ID card or Military ID card
- When may a guarantor be required? A guarantor may be required in certain cases depending on the amount of loan, the customer's place of employment and judgement of a loan specialist.Still have a question? Ask an online consultant!
- Where can I obtain detailed information about a "BirKart" ?
More information about "BirKart" is available at www.BirKart.az website.
- How can a loan payment be made?
- at Bank branches by Kapital Bank payment terminals
- at Bank branches by cash
- online via pay.kapitalbank.az website
- by eManat payment terminals
- by MilliÖn payment terminals
- online via hesab.az website
- online via e-pul.az website
- online via kassam.az website
- via CİB application