Online Credit

AraExpress is one of a kind in the Armenian market, for it is the first platform to integrate a fully automated ONLINE CREDIT application system.  It will give the customer an opportunity to request for online bank credit - anytime, without extra proceruders andwithout having to visit a bank department. All you need to do is to fill inthe passport information in the appropriate page, to agree with the terms ofthe application system and just in a few seconds you will see the answer to your request.

AraExpress is presently parntering not only with Evocabank but also with VTB Bank ArmeniaIDBank (Idram payment system) and SEF International UCO (Zeppa Cash payment system), the conditions and apply ways of which are as follows:



Online Credit։ How to apply you can see here։

  • 0% prepayment,
  • 0% annual interest rate,
  • 1% monthly commission, which is calculated on the principal amount,
  • Lending contract amout 100․000 - 3․000․000 AMD,
  • 21-63 years old age limit,
  • years' loan term.




    Inshop credit. Welcome to our head office at 10 Adonts, where we will sigh the credit contract.

    • 0% prepayment,
    • 0% annual interest rate,
    • 1.01% monthly commission, which is calculated on the principal amount,
    • Lending contract amout 30․000 - 1.500․000 AMD,
    • 21-65 years old age limit,
    • 3-5 years' loan term.


      Ստացեք ակնթարթային Rocket վարկ Ձեր iDram հաշվի վրա և կատարեք Ձեր գնումները ՕՆԼԱՅՆ

      • Պայմանագրի գումար 100․000 - 5.000․000 դրամ,
      • Վարկի ժամկետ 1-4 տարի։
      • 17.9-21.7% անվանական տոկոսադրույք,
      • 19.44-23.99% փաստացի տոկոսադրույք։


      AraExpress is presentlypartnering with Evocabank, the conditions of which are as follows:

      • 0% prepayment,
      • 0% nominal interest rate,
      • 1% monthly commission, which is calculated on the principal amount,
      • Lending of 100000 - 3000000 of the credit amount,
      • From 21 to 63 age limit,
      • 2 years' loan term.

      How to apply for ONLINE CREDIT

      1. Add your desired product(s) to the shopping cart 🛒,
      2. Go to the checkout page,
      3. Chose the shipping method, enter or select the shipping address, select as your payment method "Apply for online credit" and click the "Next" button,
      4. Confirm  your order after agreeing with the terms of the User Agreement ,
      5. You need to agree with the terms and conditions of the bank, 
      6. Click the confirmation link sent to your e-mail address and enter in the required field the 4-digit validation code received via SMS,
      7. Enter your passport data, upload your passport photo, choose a desired payment due date and go to the next page,
      8. Submit the credit application after verifying your data,
      9. You'll get your application response just in a few seconds.
      10. Our personnel will contact you during working hours.