Student loan Student loans from Acba Bank
Acba Bank
Student loans
Relevant for 16.09.2026
Maximum amount
to 5 000 000֏
Without a guarantor
Yes
Available to non-residents of Armenia
No
A student loan cannot be issued in cash or transferred to your card. The bank will transfer the funds directly to the educational institution's account.
Amount | from 50 000 to 5 000 000֏ |
Term | up to 5 years |
Loan effective rate | 19.61% - 22.56% |
Rate | 18% - 20.5% |
Additional rate conditions | In individual cases, as a result of the creditworthiness assessment, the loan interest rate may be set up to 2.5% higher than the maximum interest rate corresponding to the given period, but not more than 21.5%. |
Rate type | Fixed |
Is there a discount for salary clients | No |
Payment type | Annuity |
From which month early repayment is possible | 1 |
Special conditions | A loan can be obtained without a guarantor if the borrower has a source of income; in this case, the bank may provide the loan based on the borrower's income If the borrower has no income, guarantors will be required The loan is provided in a non-cash form The loan amount is credited to the bank account of the educational institution. |
| Commissions | |
Credit issuing fees | Without fees |
Borrower category | Only for Students |
Borrower age | from 18 years on the date of receiving the loan up to 25 years on the loan repayment date |
Length of service at the last job | 3 months |
Documents for application | Identification documents of the applicant Public service license number or certificate of non-receipt of license number A copy of the student's identification document Reference from the educational institution. |
Confirmation of work experience and income | A certificate of employment from the borrower |
Data collected and verified by AFM.
Terms apply to the bank's head office and may differ at its branches.
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