INSTALLMENT PURCHASE REQUIREMENTS

At Ip Mobile, installment purchases are available for individuals aged 20–65 who:

Are citizens of the Republic of Armenia
Are officially employed or have a good credit history
Possess a passport and social card
💳 INSTALLMENT TERMS

Down payment — 0% (optional)
Interest rate — 0% – 12% (depending on the selected bank)
Repayment period — 3 to 48 months
Account service fee — starting from 1% monthly (depending on the bank)
🏦 PARTNER BANKS

ACBA-CREDIT AGRICOLE BANK CJSC

Term: 3 – 48 months
Amount: 26,000 – 3,500,000 AMD
Nominal rate: 21.6%
Effective rate: 23.8% – 24%
Down payment: 0%
Fee: 0%
Repayment: equal monthly payments
HAYEKONOMBANK

Amount: 20,000 – 2,000,000 AMD
Interest: 0% – 21.5%
Effective rate: up to 24%
Term: 12 – 36 months
Down payment: from 0%
Service fee: 0% – 1% monthly
INECOBANK

Amount: 30,000 – 5,500,000 AMD
Term: 3 – 36 months
Interest: 0% – 21.7%
Effective rate: up to 23.99%
Service fee: 0%
Late fee: 0.13% per day
Early repayment: no penalty
AMERIABANK CJSC

Amount: 50,000 – 1,000,000 AMD
Term: 12 – 36 months
Effective rate: 18.5% – 21%
UNIBANK

Effective rate: 23% – 24%
Website: https://www.unibank.am/hy/
CONVERSE BANK (VELOX)

Term: up to 24 months
Interest rate: 21% – 23%
⚡ OTHER PAYMENT OPTIONS

AmeriaBank – MyPay
Telcell – PartPay
IDram – Rocket Line
InecoBank – PayLater
FastShift