Lombard loan
"Golden" loan from AccessBank!
Loan calculator
for lombard loan
Apply for a Pawn loan — get a chance to win real gold.
- You can take part in the lottery by leaving a request on this page or “Qızıl şans” page
- The lottery will last until December 19, 2025
Pawn Loan with Gold Collateral from AccessBank
Gold-backed pawn loan is one of the banking products offered by AccessBank. When unexpected expenses arise, you need a personal loan, or financial support for personal plans, AccessBank's gold pawn loan is a reliable and fast solution. This type of loan is issued against gold jewelry and requires only an ID card. Since no income document or guarantor is required, this fast loan option is both simple and flexible.
Loan amount and term can be selected flexibly
Under AccessBank's pawn loan, you can receive up to 50,000 AZN in cash against your gold collateral. The loan term can be freely selected from 1 to 36 months, which allows it to adapt to your individual financial needs. This personal loan can be tailored to your short- or long-term plans as needed.
Monthly interest rate
The monthly interest rate starts from 1.5%, and this may vary depending on the selected loan amount and term. The Annual Percentage Rate (APR) starts from 24.96%, providing a realistic reflection of total loan costs. These transparent and customer-oriented terms make AccessBank's offering a reliable financial model for those seeking a loan.
Repayment methods are adjusted to customer convenience
Customers can choose between annuity payments (equal monthly installments) or a flexible schedule (interest-only monthly payments). These flexible options provide convenience for those applying for a loan. Additionally, payments can be made without visiting a branch — via the mobile app or AccessBank's official website.
Example
Annuity payment (equal installments):
With this method, you pay the same amount each month, which includes both interest and a portion of the principal. The monthly payment is fixed.
Flexible schedule payment (interest-only):
In this option, you pay only the interest each month, and the principal is repaid once at the end of the loan term. This can be a more suitable choice for urgent or short-term cash needs.
Who can apply for a pawn loan?
Only citizens of the Republic of Azerbaijan aged between 21 and 70 can apply for pawn loans. An ID card is sufficient for loan processing. No additional documents or guarantors are required, which simplifies and speeds up the application process.
The application process for pawn loans is very easy
Your application for this product, based on the "Sizin Lombard" model, begins by filling out the online pawn loan form on AccessBank's official website. Then, your gold jewelry is submitted, and after the
loan
is approved, the funds are transferred directly to your account. This offers quick and convenient access to credit.
Using the
loan calculator
, you can estimate the monthly payment in advance. By evaluating loan terms, you can choose the most suitable option and calculate interest and payments accurately.
Why AccessBank?
Detailed
Terms & conditions
| Loan amount | maximum 50 000 AZN |
| Term | 1 - 36 months |
| Monthly interest | minimum 1.5% |
| Effective Annual Percentage Rate (EAPR) | from 24.96% |
| Commision | from 1% (min. 10 AZN) |
| Collateral | gold jewelry |
| Repayment | by annuity scheme (equal installments) / freely scheduled payment (with monthly interest payment) |
Requirements
- Citizenship of the Republic of Azerbaijan
- Age from 21 to 70 years
- Identification card
Pawn Loan with Gold Collateral from AccessBank
Gold-backed pawn loan is one of the banking products offered by AccessBank. When unexpected expenses arise, you need a personal loan, or financial support for personal plans, AccessBank's gold pawn loan is a reliable and fast solution. This type of loan is issued against gold jewelry and requires only an ID card. Since no income document or guarantor is required, this fast loan option is both simple and flexible.
Loan amount and term can be selected flexibly
Under AccessBank's pawn loan, you can receive up to 50,000 AZN in cash against your gold collateral. The loan term can be freely selected from 1 to 36 months, which allows it to adapt to your individual financial needs. This personal loan can be tailored to your short- or long-term plans as needed.
Monthly interest rate
The monthly interest rate starts from 1.5%, and this may vary depending on the selected loan amount and term. The Annual Percentage Rate (APR) starts from 24.96%, providing a realistic reflection of total loan costs. These transparent and customer-oriented terms make AccessBank's offering a reliable financial model for those seeking a loan.
Repayment methods are adjusted to customer convenience
Customers can choose between annuity payments (equal monthly installments) or a flexible schedule (interest-only monthly payments). These flexible options provide convenience for those applying for a loan. Additionally, payments can be made without visiting a branch — via the mobile app or AccessBank's official website.
Example
Annuity payment (equal installments):
With this method, you pay the same amount each month, which includes both interest and a portion of the principal. The monthly payment is fixed.
Flexible schedule payment (interest-only):
In this option, you pay only the interest each month, and the principal is repaid once at the end of the loan term. This can be a more suitable choice for urgent or short-term cash needs.
Who can apply for a pawn loan?
Only citizens of the Republic of Azerbaijan aged between 21 and 70 can apply for pawn loans. An ID card is sufficient for loan processing. No additional documents or guarantors are required, which simplifies and speeds up the application process.
The application process for pawn loans is very easy
Your application for this product, based on the "Sizin Lombard" model, begins by filling out the online pawn loan form on AccessBank's official website. Then, your gold jewelry is submitted, and after the loan is approved, the funds are transferred directly to your account. This offers quick and convenient access to credit.
Using the loan calculator, you can estimate the monthly payment in advance. By evaluating loan terms, you can choose the most suitable option and calculate interest and payments accurately.