In 15 minutes
Gold pawn loan
Get your gold valued and receive the amount you need.
- Decision in 15 minutes
- 33 branches nationwide
- Items kept in an insured safe
Central Bank licence, 2011
The loan you need is now closer
Get a pawn loan against your gold or apply online for a consumer loan with Alpara.
0+
clients
since 2011
0 min
to a decision
at a branch, no proof of income
Two products, one promise: money in your hands today
Online
Consumer loan
Apply online and get your loan through the Alpara app.
Why Asel Kredit
Every step, from application to receiving the money, is simple, clear and fast.
Zero paperwork
From gold to cash in three steps
- 1
Visit a branch or apply in the app
For a pawn loan, bring your gold to the nearest branch. For a consumer loan, send an online application through the Alpara app.
- 2
Valuation and decision in 15 minutes
The expert values your item by purity and weight, and the contract is signed on the spot. Online applications get a decision within minutes.
- 3
Money in hand
The amount is paid in cash or directly to your bank card. Your item is kept in an insured safe and returned after repayment.
Calculate the value of your gold now
Choose the purity, then slide the grams and the term. The loan amount and monthly payment appear instantly.
Value your gold
Choose the purity, then set the weight and term
Purity
g
1 g120 g200 g
6 months
How it's calculated
120 g×118 ₼=14 160 ₼
- Decision in 15 minutes
- Items kept in an insured safe
- No early repayment penalty
Loan amount
14 160 ₼Principal
14 160 ₼
93 %
Interest
1 093 ₼
7 %
Monthly payment
2 542,16 ₼Total repayment
Annual rate
26 %
Term
6 months
Payment breakdown by month Principal Interest
Month 1Month 6
Preliminary estimate. Exact terms are set after appraisal at the branch.
The branch nearest to you
3 branches in Baku and the regions. Choose a city or share your location and we’ll show you the nearest branch.
Head office
Azure Business, 8th floor, office 40, Baku
09:00-18:00
For your peace of mind
Licence
BKT-2
Non-bank credit organisation licence from the Central Bank of Azerbaijan, since 2011.
Your item in an insured safe
Your gold is insured for the term of the contract and returned the same day you repay.
No hidden fees
The interest, monthly payment and total repayment are shown before you sign the contract.
Early repayment, no penalties
You can close the loan early at any time, with no extra charges.
An ID card is all you need. No other documents are required.
Loan application
Fill in the form and our specialist will contact you during business hours. For a pawn loan, you can also visit your nearest branch.
Fill in the form
Name, number and amount: 1 minute.
We'll call you
A specialist contacts you during business hours.
Money in hand
At a branch in 15 minutes or to your card.
Track your application
Check the status with your phone number and tracking code.
Consumer loans fully online: the Alpara app
Applications, repayment schedule, contract and payments in one app. No branch visits, no paperwork.
