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* In case of purchasing a smartphone and/or other mobile device at a price of AMD 30,000 or more, purchase by installment for individuals is carried out through the Sprint system of “Inecobank”.
Read the terms of sales below:
| Bank | “Inecobank” |
|---|---|
| Age of the borrower | 21 till 70-year-old |
| Annual nominal interest rate | 19 - 21.7 % The inquiry is made for a 36-month period |
| Actual interest rate | 20.7 - 23.94 % |
| Down payment | 0 AMD |
| Period (months) | 12, 24 or 36 months |
| Maximum amount | 5,500,000 AMD |
| Minimum amount | 30,000 AMD |
| Required documents | Passport, social card /or its number/ or ID card |
| Actual registration | Yes |
| Registration in Artsakh | Per standard installment processing procedure, without additional documents. The registration address line provides the option Republic of Artsakh |
| Number of smartphones sold by a single credit contract | Maximum 2 /two/ devices of the same model |
| Internet page of the Sprint system | www.sprintonline.am |
| Web-site of the bank | www.inecobank.am |
| Bank phone number | +374 10 51 05 10 |
| Note | “Inecobank” is controlled by the Central Bank of Armenia |
The offer is valid from 25.11.2025 till 01.12.2025
From 25 November 2025 till 1 December 2025 /inclusive/, purchase mobile devices and accessories at Viva with “sprint” credit program by “Inecobank” and for the first 6 months the annual interest rate and the monthly service fee will be 0%.
Starting from the 7th month, the following conditions will apply to purchases made within the framework of the “sprint” credit program by “Inecobank”:
Down payment: 0%
Annual nominal interest rate: 0%
Annual effective interest rate: 23.7%
Monthly service fee: 0.6%
Maturity period: 60 months
Minimum amount of purchase: AMD 30,000
* “Inecobank” is supervised by the RA Central Bank
* In case of purchasing a device at a price of AMD 50,000 or more, purchase by installment for individuals is carried out through the online loan of “Evocabank”.
Read the terms of sales below:
| Bank | “Evocabank” |
|---|---|
| Age of the borrower | 19-65 year-old |
| Annual interest rate | 20 % |
| Period (months) | 24-48 months |
| Maximum amount | 2,000,000 AMD |
| Minimum amount | 50,000 AMD |
| Required documents | Identity document (passport/identification card), public service number (social card), registration address (passport code 070 must have a registration address in the Republic of Armenia) |
| Actual interest rate | up to 22.98% |
| Link of the web page on loans | Evocabank Online Loans |
| Web-site of the bank | www.evoca.am |
| Bank phone number | +374 10 60 55 55 |
| Note | “Evocabank” is controlled by the Central Bank of Armenia |
Terms and conditions of MyPay service limit
| Purpose | Purchases carried out within the limits established under the MyPay service. |
|---|---|
| Customer Age | 18-60 years |
| Customer | Citizens and residents of the Republic of Armenia who have an account with “Ameriabank” CJSC and are users of the MyAmeria system |
| Currency | AMD |
| Maximum Loan Amount | MyPay available limit (29,900 - 2,000,000 AMD) |
| Term (Month) | Minimum: 1 month, Maximum: 6 months |
| Annual Nominal Interest Rate | 1 month - 0% 3 months - 8% 6 months - 13% |
| Effective Annual Interest Rate | 0-21.81% |
| Provision Fee / Advance Payment | Not available |
| Required Documents | n/a |
| Fines and penalties | In case of violation, the Customer shall pay a penalty for each day of delay in the amount of 0.13% of the overdue amount. |
| Early Repayment Fee | No penalties or fines are charged for early repayment. |
The main terms of the MyPay service are defined in the “Main Terms of Provision of the MyPay Service” (11RBD RL 72-44-01). Link: https://ameriabank.am/useful-links
Ameriabank CJSC is regulated by the Central Bank of the Republic of Armenia.
