Fill in an Application Borrow cash with no collateral

Consumer Loan is best fitted for funding short-term objectives. It does not require any collateral. No restrictions in regard with loan purposes.

Interest rate From 11.9%
Effective interest rate From 18.2%*
Minimum loan amount GEL 400
Maximum loan amount GEL 45,000
Loan term Up to 48 months
Loan currency GEL
Upfront commission fee 1-2%
Pre-payed fee 0-2%
Loan service monthly commission 1%
  • Low interest rate
  • No limitations in regard with loan designation
  • No collateral in a form of movable or immovable property is required
  • Georgian citizenship document/ residence permit 
  • Income certificate (if not received at VTB Bank (Georgia))


  • Surety of another individual (if loan amount exceeds GEL 30,000).
  • Minimum monthly income requirement for participants of VTB Bank (Georgia) Payroll Programme - from GEL 100; for other individuals - from GEL 300
  • Acceptable forms of income: salary, rent, dividend
  • 3 months work experience (income certificate)
  • Respective income shall be received via bank account opened with any bank operating in Georgia
  • Age: 20-70 years (at the end of loan term)


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