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5.085 5.085 0 0 1 5.088 5.087 5.085 5.085 0 0 1-5.088 5.088\"\u002F>\u003Cpath fill=\"currentColor\" d=\"M22.834.343H10.116C4.627.343.343 4.627.343 9.983V22.7a9.6 9.6 0 0 0 9.64 9.639H22.7a9.6 9.6 0 0 0 9.639-9.64V9.983c.134-5.355-4.15-9.64-9.506-9.64m6.56 22.491c0 3.615-2.945 6.694-6.693 6.694H9.982c-3.615 0-6.694-2.945-6.694-6.694V10.116c0-3.615 2.946-6.694 6.694-6.694h12.719c3.614 0 6.694 2.945 6.694 6.694z\"\u002F>\u003C\u002Fg>",{"left":139,"top":139,"width":177,"height":177,"rotate":139,"vFlip":141,"hFlip":141,"body":184},"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"M9.253 6.667a2.667 2.667 0 1 1-5.333-.003 2.667 2.667 0 0 1 5.333.003m.08 4.64H4V28h5.333zm8.427 0h-5.307V28h5.254v-8.76c0-4.88 6.36-5.333 6.36 0V28h5.266V17.427c0-8.227-9.413-7.92-11.626-3.88z\"\u002F>\u003C\u002Fg>",{"left":139,"top":139,"width":164,"height":164,"rotate":139,"vFlip":141,"hFlip":141,"body":186},"\u003Cg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\">\u003Ccircle cx=\"12\" cy=\"12\" r=\"10\"\u002F>\u003Cpath d=\"M14.83 14.83a4 4 0 1 1 0-5.66\"\u002F>\u003C\u002Fg>",{"mainList":188,"categories":426,"topics":429,"sidebarList":472},{"data":189},[190,197,204,211,218,225,232,239,246,253,260,267,274,281,288,295,302,309,316,323,329,335,342,349,356,363,370,377,384,391,398,405,412,419],{"title":191,"description":192,"thumbnail_image":193,"publication_date":194,"views_count":195,"url":196},"How to Combine Several Loans into One and When It Is Beneficial","Managing several loans at the same time can become difficult. A borrower may have a consumer loan in one bank, a credit line in another, and a mortgage or secured...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fbda066a4-2e9c-4679-83f4-8fa623e1fe41.webp","2026-06-24 15:19:00",247,"journal\u002Fonline-loans\u002Fhow-to-combine-several-loans-into-one-and-when-it-is-beneficial",{"title":198,"description":199,"thumbnail_image":200,"publication_date":201,"views_count":202,"url":203},"How to Transfer Your Loan to Another Bank to Reduce the Interest Rate or Increase the Loan Amount","Many borrowers in Armenia continue repaying loans under the same conditions for years, even when the market changes and other banks start offering better terms. In some cases, another bank...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fddffdc46-a94e-4567-a5a6-64ff90dad5bd.webp","2026-06-16 14:38:00",270,"journal\u002Ffinance-made-simple\u002Fhow-to-transfer-your-loan-to-another-bank-to-reduce-the-interest-rate-or-increase-the-loan-amount",{"title":205,"description":206,"thumbnail_image":207,"publication_date":208,"views_count":209,"url":210},"Microloans in Armenia: Lenders, Conditions, and Key Risks","In Armenia, microloans are issued by approximately 46 licensed credit organizations and nearly all commercial banks. While nominal rates may formally start at 12-15%, in practice, the real cost of...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fde9aab5a-1d69-4648-a408-05d4cc977045.webp","2026-04-28 19:56:00",1216,"journal\u002Fcash-loans\u002Fmicroloans-in-armenia-lenders-conditions-and-key-risks",{"title":212,"description":213,"thumbnail_image":214,"publication_date":215,"views_count":216,"url":217},"Where to Find the Lowest Loan Rates in Armenia and How to Choose a Profitable Loan","If you are looking for a loan in Armenia, the first logical question is: where is the lowest rate? But there is a crucial nuance here: the lowest advertised rate...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F5574b734-9561-4f24-a921-37d1089eb4c6.webp","2026-04-27 14:43:00",1691,"journal\u002Ffinance-made-simple\u002Fwhere-to-find-the-lowest-loan-rates-in-armenia-and-how-to-choose-a-profitable-loan",{"title":219,"description":220,"thumbnail_image":221,"publication_date":222,"views_count":223,"url":224},"Borrower Requirements for Personal Loans in Armenia in 2026","To obtain a personal loan in Armenia in 2026, it is essential to meet the banks' basic requirements and pass an internal creditworthiness assessment. Key indicators and the client's financial...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F1b6e679b53de9369a94986cfad60792b.webp","2026-02-27 20:10:00",1906,"journal\u002Fcash-loans\u002Fborrower-requirements-for-personal-loans-in-armenia-in-2026",{"title":226,"description":227,"thumbnail_image":228,"publication_date":229,"views_count":230,"url":231},"Fast Online Loans in Armenia: Terms, Banks, and How to Apply in 2026","When applying for a fast online loan, three things matter most: how quickly you can receive the funds, what the terms are, and where to submit your application.In 2026, online...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F2f649785959be1d969b3b1b0e96f0267.webp","2026-02-19 17:17:00",2829,"journal\u002Fcash-loans\u002Ffast-online-loans-in-armenia-terms-banks-and-how-to-apply-in-2026",{"title":233,"description":234,"thumbnail_image":235,"publication_date":236,"views_count":237,"url":238},"How to Refinance a Loan in Armenia in 2026: Terms, Banks, and Process","Refinancing a loan in Armenia in 2026 remains one of the primary ways to reduce the debt burden without changing the original purpose of the loan. A borrower takes out...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F2057e2b999ebd951610e87918bc2740a.webp","2026-02-03 21:05:00",2433,"journal\u002Fcash-loans\u002Fhow-to-refinance-a-loan-in-armenia-in-2026-terms-banks-and-process",{"title":240,"description":241,"thumbnail_image":242,"publication_date":243,"views_count":244,"url":245},"What Types of Loans Are Available in Armenia in 2026: Products, Rates, and Terms","The lending market in Armenia remains stable and well-segmented. Banks offer dozens of credit products, while loan terms vary significantly depending on the purpose of the loan, its maturity, currency,...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Faa883e50913734f21370dd48f0f6b43b.webp","2026-01-27 21:07:00",4014,"journal\u002Fcash-loans\u002Fwhat-types-of-loans-are-available-in-armenia-in-2026-products-rates-and-terms",{"title":247,"description":248,"thumbnail_image":249,"publication_date":250,"views_count":251,"url":252},"Best Cash Loans in Armenia in 2026: Ranking by Effective Interest Rate","When choosing a consumer loan, it is important to focus not on the advertised interest rate, but on the actual cost of borrowing, which includes all mandatory fees and payments....","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fb39bd0f471662824ea5429a2e56c7c4a.webp","2026-01-23 19:00:00",3788,"journal\u002Fcash-loans\u002Fbest-cash-loans-in-armenia-in-2026-ranking-by-effective-interest-rate",{"title":254,"description":255,"thumbnail_image":256,"publication_date":257,"views_count":258,"url":259},"How to Get a Student Loan in Armenia: Banks, Terms, and Tips","Higher education in Armenia is paid in almost every university. Even if a family has financially prepared in advance, studying at a university or college can cost anywhere from hundreds...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Ffa6ddfa7-21a8-4654-9e5d-1f6c75abefeb.webp","2025-08-08 20:17:00",3713,"journal\u002Fcash-loans\u002Fhow-to-get-a-student-loan-in-armenia-banks-terms-and-tips",{"title":261,"description":262,"thumbnail_image":263,"publication_date":264,"views_count":265,"url":266},"What Is a Student Loan?","A student loan is a targeted loan intended to cover the cost of higher education. The funds are transferred directly to the educational institution, and the student repays the loan...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F1dc6409b-6b09-448c-95d3-cb4731d70c6b.webp","2025-08-08 12:00:00",3478,"journal\u002Fcash-loans\u002Fwhat-is-a-student-loan",{"title":268,"description":269,"thumbnail_image":270,"publication_date":271,"views_count":272,"url":273},"How to Properly Refinance a Loan to Save Money?","Prepared in partnership with Earlyone. (Google Play, iOs)Are you paying off a loan taken out years ago, but recently noticed that banks are offering much lower rates? It's worth considering...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F7aa550a2-7461-444c-bb9a-caaf132fd721.webp","2025-07-21 19:25:00",5606,"journal\u002Fcash-loans\u002Fhow-to-properly-refinance-a-loan-to-save-money",{"title":275,"description":276,"thumbnail_image":277,"publication_date":278,"views_count":279,"url":280},"Which Banks Offer Online Loans?","Prepared in partnership with Earlyone. (Google Play, iOs)More and more people in Armenia are securing loans online without visiting a bank, queuing, or dealing with paperwork. You simply submit an...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fdd30b085-8f5f-4199-9f96-dd55a6244d5a.webp","2025-07-21 17:18:00",15015,"journal\u002Fcash-loans\u002Fwhich-banks-offer-online-loans",{"title":282,"description":283,"thumbnail_image":284,"publication_date":285,"views_count":286,"url":287},"AFM – Armenia’s financial marketplace where everything is fair!","Welcome to Armenia’s first platform designed to help you save money every day. Sounds good, right? But how exactly do we do that?We launched in March 2025 and want to...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F95af5149-b015-412e-bb58-18da338fa493.webp","2025-06-04 12:25:00",25490,"journal\u002Ffinancial-news\u002Fafm-armenias-financial-marketplace-where-everything-is-fair",{"title":289,"description":290,"thumbnail_image":291,"publication_date":292,"views_count":293,"url":294},"Which Banks Issue Loans to Non-Residents in Armenia? Conditions, Amounts, and Rates","Non-residents can obtain loans in Armenia, but the terms often differ from those offered to Armenian citizens. The key distinction is an individual assessment of each application. Banks evaluate the...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Ff1f21b84-df61-426f-b5c6-4a8e08457332.webp","2025-05-26 12:28:00",9130,"journal\u002Fcash-loans\u002Fwhich-banks-issue-loans-to-non-residents-in-armenia-conditions-amounts-and-rates",{"title":296,"description":297,"thumbnail_image":298,"publication_date":299,"views_count":300,"url":301},"Which Banks Offer Loans Without Proof of Official Income?","Not all residents of Armenia can provide an official income statement from their employer. This is especially relevant for self-employed individuals, freelancers, entrepreneurs, and those earning income unofficially. However, the...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fc78f3049-c7d7-44da-a8b7-577216764031.webp","2025-05-25 13:10:00",13698,"journal\u002Fcash-loans\u002Fwhich-banks-offer-loans-without-proof-of-official-income",{"title":303,"description":304,"thumbnail_image":305,"publication_date":306,"views_count":307,"url":308},"Where to Get the Largest Loan in Armenia: Top 5 Banks with the Highest Limits in 2025","If you're planning a major purchase, renovation, business launch, or refinancing, it's crucial to understand that banks in Armenia offer very different limits on consumer loans. While some cap the...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F4d6c4338-2032-41c8-8aa6-4ec8d551f790.webp","2025-05-25 12:10:00",4167,"journal\u002Fcash-loans\u002Fwhere-to-get-the-largest-loan-in-armenia-top-5-banks-with-the-highest-limits-in-2025",{"title":310,"description":311,"thumbnail_image":312,"publication_date":313,"views_count":314,"url":315},"Loan refinancing in Armenia in 2025: How to reduce loan payments and save money","Loan refinancing is when you transfer your loan from one bank to another. In fact, it is the registration of a new loan to repay the existing one. Refinancing allows...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fb825d761-9661-4a80-93a3-63c53c6c09b9.webp","2025-03-26 17:25:00",6173,"journal\u002Fcash-loans\u002Floan-refinancing-in-armenia-in-2025-how-to-reduce-loan-payments-and-save-money",{"title":317,"description":318,"thumbnail_image":319,"publication_date":320,"views_count":321,"url":322},"Where to Get a Loan in Armenia: Best Banks and Conditions","Armenia offers many banks providing a variety of loan products. Choosing the best bank and loan conditions always depends on your individual needs and financial capabilities. In this article, we’ll...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F22ae11a0-4188-41e1-8521-cd6f9d102489.webp","2025-03-26 00:00:00",7528,"journal\u002Fcash-loans\u002Fwhere-to-get-a-loan-in-armenia-best-banks-and-conditions",{"title":324,"description":325,"thumbnail_image":326,"publication_date":320,"views_count":327,"url":328},"How to take out a loan in foreign currency: Step-by-step instruction","Nowadays, borrowers are cautious about foreign currency loans, since their benefit depends not only on low interest rates, but also on the stability of the exchange rate. During periods of...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F6ee6d0aa-8106-44de-bb42-f4d1dfab1457.webp",6041,"journal\u002Fcash-loans\u002Fhow-to-take-out-a-loan-in-foreign-currency-step-by-step-instruction",{"title":330,"description":331,"thumbnail_image":332,"publication_date":320,"views_count":333,"url":334},"How to Get a Loan Without Guarantors in Armenia and Avoid Overpaying: A Complete Guide","Want to take out a loan but don’t want to involve guarantors? In Armenia, many banks offer loans without the need to bring in third parties — but such loans...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F7bf94e34-146c-45e7-81dd-5e525b4fa162.webp",6426,"journal\u002Fcash-loans\u002Fhow-to-get-a-loan-without-guarantors-in-armenia-and-avoid-overpaying-a-complete-guide",{"title":336,"description":337,"thumbnail_image":338,"publication_date":339,"views_count":340,"url":341},"How to Choose the Most Profitable Loan: Borrower's Checklist","Taking out a loan is a serious financial decision, and a mistake at this stage can cost you thousands or even hundreds of thousands of drams in overpayments. How can...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F07624b99-a04a-498a-ba99-00b83edb202c.webp","2025-03-24 16:01:00",3263,"journal\u002Fcash-loans\u002Fhow-to-choose-the-most-profitable-loan-borrowers-checklist",{"title":343,"description":344,"thumbnail_image":345,"publication_date":346,"views_count":347,"url":348},"How to Get a Loan with Minimal Overpayment in 2025: What to Consider?","When choosing a loan, many people focus only on the interest rate. However, the total cost of the loan is more important: fees, mandatory insurance, and hidden charges can significantly...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fbbda6176-e1c0-4bad-ade5-1679640c3056.webp","2025-03-24 14:17:00",3342,"journal\u002Fcash-loans\u002Fhow-to-get-a-loan-with-minimal-overpayment-in-2025-what-to-consider",{"title":350,"description":351,"thumbnail_image":352,"publication_date":353,"views_count":354,"url":355},"How to Reduce Loan Overpayment: Practical Tips to Save Money","Have you ever thought about how much it actually costs to service a loan from a bank? How can you determine the total amount you will end up paying, and...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F34a16192-ee9d-4dc6-8571-b801e61f5089.webp","2025-03-24 11:17:00",3200,"journal\u002Fcash-loans\u002Fhow-to-reduce-loan-overpayment-practical-tips-to-save-money",{"title":357,"description":358,"thumbnail_image":359,"publication_date":360,"views_count":361,"url":362},"What Loans Can Foreigners Get in Armenia?","Are you already living in Armenia or planning to move, work, or invest here? At some point, you may need credit to finance your needs. But is it possible to...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F27bd1df6-5a35-4dcf-8b5a-f51e352a764a.webp","2025-03-24 10:25:00",14632,"journal\u002Fcash-loans\u002Fwhat-loans-can-foreigners-get-in-armenia",{"title":364,"description":365,"thumbnail_image":366,"publication_date":367,"views_count":368,"url":369},"Where to Get a Cash Loan in Armenia?","A cash loan is one of the most popular ways to obtain borrowed funds from a bank. Despite its name, the money is not given directly in cash; instead, the...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fd50ba4bd-7c17-4d5c-b613-4347a75ba328.webp","2025-03-21 18:06:00",5967,"journal\u002Fcash-loans\u002Fwhere-to-get-a-cash-loan-in-armenia",{"title":371,"description":372,"thumbnail_image":373,"publication_date":374,"views_count":375,"url":376},"How to Get a Loan on a Card: Online Application and Bank Conditions","If you urgently need money, you can apply for a consumer loan from home - without visiting a bank. All you need to do is submit an online application, provide...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F7d27f531-38ad-4b8d-8428-052fd1cd0cd7.webp","2025-03-21 17:15:00",5118,"journal\u002Fcash-loans\u002Fhow-to-get-a-loan-on-a-card-online-application-and-bank-conditions",{"title":378,"description":379,"thumbnail_image":380,"publication_date":381,"views_count":382,"url":383},"Low-Interest Loans in Armenia: Which Banks Offer the Best Terms?","Looking for low-interest loans with minimal rates? Many banks in Armenia offer loans, and at first glance, their terms may seem similar. However, in reality, they can vary significantly. In...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F99fbdeda-3712-4c09-924e-663059cb9dbb.webp","2025-03-21 15:20:00",9325,"journal\u002Fcash-loans\u002Flow-interest-loans-in-armenia-which-banks-offer-the-best-terms",{"title":385,"description":386,"thumbnail_image":387,"publication_date":388,"views_count":389,"url":390},"How to Get a Loan Without Income Proof in Armenia?","When issuing a loan, banks aim to minimize risks and ensure that the borrower can repay the money. This is why, in most cases, income verification and proof of stable...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F45260cf8-73ab-4737-9861-42fe122b10c8.webp","2025-03-21 14:25:00",8566,"journal\u002Fcash-loans\u002Fhow-to-get-a-loan-without-income-proof-in-armenia",{"title":392,"description":393,"thumbnail_image":394,"publication_date":395,"views_count":396,"url":397},"Unsecured Loans: Where and How to Get Loans in Armenian Banks","If you have ever considered taking out a loan but were discouraged by terms like \"collateral\" and \"security,\" there's good news for you: today, almost all Armenian banks offer unsecured...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fd2583eca-64f4-4985-b400-1dcae3be94a7.webp","2025-03-20 10:59:00",5582,"journal\u002Fcash-loans\u002Funsecured-loans-where-and-how-to-get-loans-in-armenian-banks",{"title":399,"description":400,"thumbnail_image":401,"publication_date":402,"views_count":403,"url":404},"Which Consumer Loan in Armenia is the Best in 2025?","Do you need money for new household appliances? Planning a home renovation but lacking savings? Want to update your wardrobe or go on a long-awaited trip? Wondering where to get...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F73e3da43-f943-4c06-b3f6-087487a72245.webp","2025-03-18 16:30:00",9451,"journal\u002Fcash-loans\u002Fwhich-consumer-loan-in-armenia-is-the-best-in-2025",{"title":406,"description":407,"thumbnail_image":408,"publication_date":409,"views_count":410,"url":411},"Online Loans in Armenia: Where to Get a Loan Without Visiting a Bank?","Modern technology allows you to apply for urgent loans without leaving your home. Terms like online loans, passport-based loans, and instant loans all seem synonymous with convenience. However, in Armenia,...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F2fd27c71-2309-4ca7-8718-6bbf76d11939.webp","2025-03-18 12:15:00",8720,"journal\u002Fcash-loans\u002Fonline-loans-in-armenia-where-to-get-a-loan-without-visiting-a-bank",{"title":413,"description":414,"thumbnail_image":415,"publication_date":416,"views_count":417,"url":418},"Loan with Bad Credit History: Is It Possible to Get One in Armenia?","Getting a loan when you have a history of missed payments and outstanding debts may seem impossible. However, in reality, there is still a chance—everything depends on how severe the...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fe27d1122-4bb7-42d1-8770-908318a61bb8.webp","2025-03-10 15:00:00",7086,"journal\u002Fcash-loans\u002Floan-with-bad-credit-history-is-it-possible-to-get-one-in-armenia",{"title":420,"description":421,"thumbnail_image":422,"publication_date":423,"views_count":424,"url":425},"What Is the Effective Interest Rate and Why It's Almost Always Higher Than the One Advertised by the Bank","Understanding how to choose a loan that won’t drain your budgetWhen applying for a loan — whether it's a personal loan, mortgage, or car loan — the first thing you’re...","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F06d0931ad724bbbe1cda6f64ecc124b5.webp","2024-12-20 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