60 ամիս
Առավելագույն ժամկետ
10.000.000 մլն
Առավելագույնն գումար
14 - 16%
Տարեկան անվանական տոկոսադրույք
14.97 - 17.26%
Տարեկան փաստացի տոկոսադրույք
Refinance in just a few simple steps
Move your loans
Transfer your loan or loans to Ineco from any bank or credit organization, fully online
Get more funds
Receive an additional credit limit for your new goals
Have one payment
Combine your loans into one, have a single payment date and pay less
Benefit from new refinancing advantages
Extra funds
When refinancing, you can receive an additional consumer loan limit with an interest rate lower than the current rate for consumer loans at Ineco
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Lower interest rates on your Ineco loans
By transferring loans from other banks or credit organizationս, you may also reduce the interest rates on your existing loans at Ineco
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Extended term
Combine your loans, extend the repayment period, and reduce your monthly payments
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Why refinance?
Refinancing allows you to consolidate your loans from other financial institutions into one loan, and get multiple benefits
Lower interest rate
Refinance with a special offer of 14 - 21% nominal interest rate. Effective interest rate: 14.97 - 23.13%.
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Simple process
Refinance online without visiting any bank or credit organization.Get approved in minutes, without paperwork.
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Higher limits
Get up to AMD 15,000,000 with a repayment period of up to 60 months.
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Better terms
Lower your interest rate, keep track of just one payment date, and pay less.
How to refinance
You can also merge your loans via the InecoMobile app in just a few simple steps
Open InecoMobile and check your limit
Go to the Loans section, open Sprint offers, choose refinancing, and get your personalized limit.
Select the loans you want to merge
From your active loans list, choose the ones you want to refinance, enter the required loan codes, and review the terms.
Confirm your loan
Enter the one-time password and enjoy the convenience of a single loan.
Register for a Free Consultation
Still have questions? Enter your details and our specialists will contact you
What will you get refinancing
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What is refinance
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When to refinance
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How refinancing works
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Additional information
Yes, refinancing allows you to merge your existing Ineco loans, extend their repayment period, and reduce your monthly payments. You can also combine loans from other banks and credit organizations with your Ineco loans and potentially reduce the interest rate on your Ineco loans depending on the total transferred amount.
You can receive an additional limit during the refinancing process when selecting the loans to be merged. The offer is generated automatically, and the new limit depends on the total amount of transferred loans.
AMD 100,000 – AMD 15,000,000
Loan amount
14 - 21%
Nominal interest rate
14.97 - 23.13%
Effective interest rate
60 months
Maximum period
You can find full refinancing terms and conditions on our website
Refinancing is available to all residents of Armenia aged 18 to 70 who have one or more active consumer loans in other financial institutions, or multiple active loans at Ineco.
The entire refinancing process is completed online, without paperwork or visiting any financial institution. As a result, the loan amount is transferred to your account within minutes.
For additional questions, you can contact us at +374 10 510 510, via email at Customer.Care@inecobank.am, or through the 24/7 in-app support available in InecoMobile.