Need money?
We're here.
Cash loans from 50 to 2 000 AZN — fully online, no guarantor, on your card in 5 minutes.
How much do you need? Find out right away
Choose the amount and term — your monthly payment, total amount payable and repayment schedule appear instantly. Happy with the numbers? Apply in one click.
Loan calculator
Alpara cash loan
Total amount payable
776,48 ₼
- To your card
- 510 ₼
- Interest
- 62,48 ₼
- Commission
- 204,00 ₼
Preliminary estimate — exact terms are set out in the contract
Cash, gold-secured or consumer loans
5 minutes online, 15 minutes at a branch. The terms of every product are shown up front.
- Fully online
Alpara cash loan
Cash loans from 50 to 2 000 AZN — fully online, no guarantor, on your card in 5 minutes.
- Amount
- 50 – 2 000 ₼
- Interest
- 42% a year + 25% commission
- In 15 minutes
Gold-secured loan
Cash in 15 minutes against gold jewellery — at 33 branches.
- Amount
- 100 – 50 000 ₼
- Interest
- from 24% per year
- Online and at branches
Consumer loan
A cash loan for personal needs — simple terms at the branch.
- Amount
- 300 – 10 000 ₼
- Interest
- from 22% per year
Less paperwork, money in your hands.
A digital service by ASEL Kredit NBCO.
14 years of experience, digital convenience.
No queues. No paperwork.
No time limits.
- 01
Money in your account instantly
All the paperwork is done in the app or on the website. No queues, no office visits, no paper.
- 02
No guarantor, no collateral
For a cash loan, all you need is to add the phone numbers of people you know.
- 03
Transparent interest
Interest and commission are known up front, with no hidden fees. The calculator shows exactly how much you'll repay.
- 04
Apply 24/7
You can apply even at night — the app is always open.
Three steps — money on your card
No office visits, no document gathering. Follow the whole process on your phone screen.
Monthly payment
104,17 ₼
- 01
Choose the amount and term
In the calculator, set an amount from 50 to 2 000 AZN and a term of 2–12 months, then submit your application.
- 02
Automatic approval
Your application is reviewed automatically. No guarantor needed — you get an answer within minutes.
- 03
Money on your card
Enter your card details — the 1 AZN verification charge is refunded right away and the loan is sent to your card instantly.
Your gold in the safe, cash in your pocket
15 minutes at any of our 33 branches. No proof of income required, and your items are kept in an insured safe.
Gold calculator
Estimated value of your item and the maximum loan amount
Estimated value
950 ₼
95,0 ₼/g · purity 585
Maximum loan (70%)
665 ₼
The final amount is set after an expert appraisal at the branch.
33 branches — one of the largest NBCO networks in the country
Fill in the form, we'll handle the rest
Don't want to install the app? Apply here — our specialist will contact you during business hours.
Download the app and get money in your account with a single tap
With the Alpara app, applying, approval and payout take just 5 minutes. Track your repayment schedule, pay by card and apply for a new loan with a single tap.
Scan with your camera to open the store
Active loan
1 200 ₼
Pay by card
208 ₼
Schedule
4 months left
The answers you're looking for
Didn't find an answer? Our hotline is open every day.
Yes. The Alpara app works 24/7: you can apply at any time, the check is automated and once approved the money is transferred to your card immediately.