• 12
    Maximum period
  • 150,000
    Maximum laon amount
  • 50,000
    Got a loan

Thanks to the new "Global Credit" service, Idram, Telcel and Izipay users can apply and receive a loan to their account within seconds, at any time of the day, from anywhere. Idram Premium Plus, Telcel, Easypay Premium and uPay Super users who are identified in the system with a valid passport can top up their account with credit.

The decision to issue a loan is made by the "Global Credit" UCC through a request sent to the ACRA credit bureau (the decision on receiving a loan is based on the Customer's credit history and the fact that he has been a customer for a sufficient period of time in the relevant wallet). After receiving the loan approval and signing the contract online, the money is immediately transferred to the relevant wallet account, from which it can be cashed out or used online by making payments and transfers.



Loan name Wallet loans
Customer's age 21-65
Loan amount 10,000 AMD, 20,000  AMD, 40000 AMD, 80,000 AMD, 100,000  AMD, 150,000 AMD
Loan term 12 months
Lending term non cash
Lending fee (one time) 100-750 AMD
Annual interest rate 0%
Annual factual interest rate 447-460%
Daily service fee 0.5% of loan balanced amount
Loan payment in the end of the term
Service payment every month
Application review fee not defined
Early payment of loan penalties are not applied
Overdue amount penalty 0.13% daily
Overdue interest rate penalty 0.13% daily
overdue interest amount (loss)  24% monthly



Telcell APP

Idram APP

 EasyPay APP




How to get a loan
  • Application
  • Preparation of documents
  • Loan confirmation
  • 1
  • 2
  • 3
    At every time