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2H19v8h-5.192l-.4-2H7v7.5zm8.65-6.5H18V8h-5.25l-.4-2H7v6h7.25z\"\u002F>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":44},32,"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"m31.4 5.4-4.7 22c-.35 1.55-1.25 1.9-2.55 1.2l-7.05-5.2-3.45 3.3c-.35.35-.7.7-1.5.7l.55-7.25L25.85 8.2c.55-.55-.15-.75-.85-.3L8.65 18.2 1.6 16.05c-1.55-.5-1.55-1.55.35-2.25l27.4-10.65c1.35-.4 2.5.3 2.05 2.25\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":46},"\u003Cdefs>\u003CclipPath id=\"a\">\u003Cpath fill=\"#fff\" d=\"M0 0h32v32H0z\"\u002F>\u003C\u002FclipPath>\u003C\u002Fdefs>\u003Cg fill=\"none\">\u003Cg clip-path=\"url(#a)\">\u003Cpath fill=\"currentColor\" d=\"M23.7 12.9h-3.8V7.8H23c.55 0 1-.4 1-1V1.5c0-.55-.4-1-1-1h-3.65c-3.95 0-6.7 2.8-6.7 6.95v5.35h-4.4c-.7 0-1.35.55-1.35 1.35v3.6c0 .7.55 1.35 1.35 1.35h4.3v11.05c0 .7.55 1.35 1.35 1.35h4.7c.3 0 .55-.15.75-.35s.35-.55.35-.85V19.15H23c.65 0 1.15-.4 1.25-1v-.1l.7-3.45c.05-.35 0-.75-.3-1.15-.1-.25-.55-.5-.95-.55\"\u002F>\u003C\u002Fg>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":48},"\u003Cg style=\"transform-origin:1.01222px 1.01222px\">\u003Cpath fill=\"currentColor\" d=\"M24.843 6.234c-1.071 0-1.875.803-1.875 1.874 0 1.07.804 1.874 1.875 1.874s1.874-.803 1.874-1.874-.803-1.874-1.874-1.874M16.408 8.643c-4.418 0-7.898 3.615-7.898 7.9s3.614 7.898 7.898 7.898 7.9-3.615 7.9-7.899-3.482-7.899-7.9-7.899m0 12.987a5.085 5.085 0 0 1-5.087-5.088 5.085 5.085 0 0 1 5.087-5.087 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":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":50},"\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":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":52},"\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>",{"currentArticle":54},{"data":55},{"id":56,"title":57,"description":58,"original_image":59,"thumbnail_image":60,"image_source":61,"description_source":62,"publication_date":63,"views_count":64,"category":65,"topics":68,"author":75,"banners":92,"seo":93},12,"Loan with Bad Credit History: Is It Possible to Get One in Armenia?","\u003Cp>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 credit history issues are and what types of loans you consider.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Let's go through the steps to check your credit history, understand different levels of bad credit reputation, explore ways to improve the situation, and find out which banks in Armenia offer loans to borrowers with debts.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>How to Check If You Have a Bad Credit History?\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Before assuming you have a bad credit history, check it first. In Armenia, \u003Ca href=\"https:\u002F\u002Facra.am\u002F?lang=en\" rel=\"noopener noreferrer\" target=\"_blank\">ACRA Credit Reporting\u003C\u002Fa> is responsible for credit history records. You can request your credit report online.\u003C\u002Fp>\u003Cp>If your report shows:\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Frequent late payments,\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Major delays,\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Closed loans marked as \"Unpaid\",\u003C\u002Fli>\u003C\u002Fol>\u003Cp>then you indeed have a bad credit history. However, if your report looks good, congratulations! Banks will gladly process your loan application.\u003C\u002Fp>\u003Cp>How Banks Evaluate Bad Credit History?\u003C\u002Fp>\u003Cp>Not all bad credit histories are the same. Banks categorize applicants based on the severity of past financial issues. There are three levels of bad credit:\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Mild Level – Minor late payments in the past, but all loans have been repaid. High chances of getting a new loan.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Moderate Level – Significant delays (60-90 days), either on closed or active loans. Some banks in Armenia may approve your loan, but the terms will be less favorable.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Critical Level – Multiple long-term defaults, legal actions, or large outstanding debts. In this case, banks are unlikely to approve a standard loan, but alternative options are available.\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>Can a Bad Credit History Be Fixed?\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>The good news is that credit history is not permanent—it updates over time! Older negative records lose their impact if you improve your financial discipline.\u003C\u002Fp>\u003Cp>How to improve your credit score?\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Repay existing debts – Banks monitor this, and clearing debts increases trust.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Use small loans – Get a small credit card or installment loan and make payments on time.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Avoid new late payments – Repeated violations will worsen your score.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Ignore scammers – \"Fix your credit score for money\" offers are scams!\u003C\u002Fli>\u003C\u002Fol>\u003Cp>Be patient—repairing a credit history takes time.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>Which Banks in Armenia Offer Loans to Borrowers with Debts?\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Yes, it is possible to get a loan with bad credit history. While many banks avoid lending to high-risk borrowers, some evaluate multiple factors, such as:\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Your salary level\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Employment history\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Collateral availability\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Tip: If one bank rejects your application, try multiple banks—each has different approval criteria!\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>Collateral Loans: A Better Option for Bad Credit Borrowers\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>If your credit score is too low and banks keep rejecting you, consider a secured loan instead. These loans use collateral (such as property, a car, or gold) to increase approval chances.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>Which Banks in Armenia Offer Collateral Loans?\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>If you have bad credit history and banks keep rejecting your loan applications, a secured loan (loan with collateral) can be a good alternative. These loans are easier to get because the bank takes less risk, making approval more likely.\u003C\u002Fp>\u003Cp>Some of the best banks in Armenia currently offering collateral loans include:\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Converse Bank – Offers loans with interest rates starting from 13.24% per year. If you are using gold as collateral, the bank values it at 33,300 AMD per gram (999 purity).\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fwww.inecobank.am\u002Fen\u002FIndividual\u002Fconsumer-loans\" rel=\"noopener noreferrer\" target=\"_blank\">Inecobank\u003C\u002Fa> – Provides secured loans starting at 14.93%, with a gold valuation of up to 46,350 AMD per gram.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Ardshinbank – Issues loans from 17.16%, assessing gold at 35,000 AMD per gram.\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Why is a collateral loan easier to get?\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Banks take less risk, so they approve loans more easily.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Interest rates are lower than unsecured loans.\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp> Risk Warning: If you fail to repay, the bank will take your collateral. Only choose this option if you are confident in repaying the loan.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>Alternative: Borrowing from Credit Organizations (But Expensive)\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>If traditional banks refuse your loan and you don’t have collateral, consider non-bank credit organizations. These lenders offer \u003Ca href=\"https:\u002F\u002Fafm.am\u002Fen\u002Fnews\u002Fkredity-nalicnymi\u002Fkak-poluchit-kredit-bez-poruchitelej-v-armenii-i-ne-pereplatit-polnyj-gajd\" rel=\"noopener noreferrer\" target=\"_blank\">loans without checking credit history\u003C\u002Fa>, but interest rates are high (30% or more).\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Examples of Armenian Credit Organizations Providing Loans Without Credit Checks:\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Ayo Credit\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Smart Credit\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Global Credit\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Be cautious: These loans can trap borrowers in a debt cycle due to high interest rates. Always calculate your ability to repay before applying!\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>Final Tips and Key Takeaway: How to Increase Your Chances of Getting a Loan?\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>If you have a bad credit history but need a loan, follow these steps:\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Check your credit history through ACRA.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Try a small loan (installment plan or credit card) and repay it on time.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Apply to multiple banks – each has different requirements.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Consider a collateral loan – approval chances are higher.\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>Explore non-bank credit organizations (but be careful with high rates).\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Don’t give up! Even with bad credit, you can rebuild your financial reputation and access better loan offers in the future.\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>Stay updated with AFM for \u003Ca href=\"https:\u002F\u002Fafm.am\u002Fen\u002Floans-in-armenia\" rel=\"noopener noreferrer\" target=\"_blank\">the latest loan options\u003C\u002Fa> and financial tips!\u003C\u002Fp>","\u002Fcontent\u002Fuploads\u002Fnews\u002Fe27d1122-4bb7-42d1-8770-908318a61bb8.webp","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002Fe27d1122-4bb7-42d1-8770-908318a61bb8.webp","Pexels",null,"2025-03-10 15:00:00",7081,{"title":66,"slug":67},"Journal","journal",[69,72],{"title":70,"slug":71},"Cash Loans","cash-loans",{"title":73,"slug":74},"Secured Loans","secured-loans",{"first_name":76,"last_name":77,"full_name":78,"avatar":79,"email":80,"slug":81,"company":82,"phone":62,"title":83,"description":84,"position":85,"position_description":86,"social_links":87},"Saty","Avagyan","Saty Avagyan","\u002Fcontent\u002Fuploads\u002Favatars\u002Fe5bf46158b2222c21e51fcf6ac6ebd5f.webp","content.creation.05@gmail.com","saty-avagyan","AFM","About the author","\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">A content and content strategy specialist with over 7 years of experience working with leading Armenian and international companies. She has collaborated with major Armenian banks and financial products, and since early 2024 has been an author at AFM, responsible for creating analytical and up-to-date content that is valuable for both readers and search engines and AI systems.\u003C\u002Fspan>\u003C\u002Fp>","Head of Content Marketing and Author of Articles and News at AFM","\u003Cp>Responsible for all content across the website from quality standards to the creation and updating of materials.\u003C\u002Fp>",[88],{"name":89,"link":90,"status":91},"linkedin","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fsaty-avagyan-642028274\u002F",1,[],{"title":94,"description":95,"keywords":96},"How to Get a Loan in Armenia with Bad Credit History?","Is it possible to get a loan in Armenia with bad credit? Learn which banks or lenders may approve your application and how to improve your chances.",[97,98,99,100],"bad credit loan Armenia","loan with poor credit history","where to get a loan in Armenia with bad credit","no credit check loan Armenia",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":102},"\u003Cpath fill=\"currentColor\" d=\"M5 19v-8.692q0-.384.172-.727t.474-.565l5.385-4.078q.423-.323.966-.323t.972.323l5.385 4.077q.303.222.474.566q.172.343.172.727V19q0 .402-.299.701T18 20h-3.384q-.344 0-.576-.232q-.232-.233-.232-.576v-4.769q0-.343-.232-.575q-.233-.233-.576-.233h-2q-.343 0-.575.233q-.233.232-.233.575v4.77q0 .343-.232.575T9.385 20H6q-.402 0-.701-.299T5 19\"\u002F>",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":104},"\u003Cpath fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m9 18l6-6l-6-6\"\u002F>",{"left":5,"top":5,"width":106,"height":106,"rotate":5,"vFlip":7,"hFlip":7,"body":107},14,"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"M7 11.529c-4.33 0-6.475-4.135-6.562-4.31a.51.51 0 0 1 0-.437C.525 6.607 2.669 2.494 7 2.494s6.475 4.113 6.563 4.288a.51.51 0 0 1 0 .437c-.088.175-2.231 4.31-6.563 4.31M1.444 7c.481.81 2.363 3.544 5.556 3.544S12.075 7.81 12.557 7C12.075 6.191 10.194 3.457 7 3.457 3.807 3.457 1.925 6.19 1.444 7\"\u002F>\n    \u003Cpath fill=\"currentColor\" d=\"M7 8.86A1.86 1.86 0 0 1 5.14 7c0-1.028.832-1.86 1.86-1.86S8.86 5.973 8.86 7 8.027 8.86 7 8.86m0-2.735A.88.88 0 0 0 6.125 7c0 .481.394.875.875.875A.88.88 0 0 0 7.875 7 .88.88 0 0 0 7 6.125\"\u002F>\u003C\u002Fg>"]