Azpulapp

Azpulapp is a mobile application designed for submitting loan applications and obtaining loans for any consumer purposes.
1. Install the mobile application on your smartphone;
2. Register and enter the required information;
3. Select the loan amount and term;
4. Confirm the application and wait for the decision;
5. If your application is approved, review the terms of the loan agreement and sign it via SIMA;
6. Receive the funds to your bank card.

You can apply for a loan from any point within the Republic of Azerbaijan through our application.
We operate continuously — including weekends and public holidays — in a 24/7 mode.

Transparent conditions
⁃ There are no hidden fees.
⁃ Access to the phone book and photo gallery is not required.
⁃ The loan is issued only after consent to the processing of personal data, identity verification, scoring assessment, familiarization with the loan agreement, and signing it via the enhanced SIMA electronic signature.

Requirements for the borrower:
⁃ Age limit: 18–65 years
⁃ A document confirming the citizenship of the Republic of Azerbaijan
⁃ Positive credit history and/or positive payment ability

Loan terms
⁃ Maximum loan amount: 500 AZN.
⁃ Daily interest rate up to 0.3%. Maximum annual interest rate: 109.5%.
⁃ Service fee charged at the end of the loan term for the use of the provided loan: from 15% to 35%
⁃ Late fee up to 0.6% per day.
⁃ Maximum calculation period for late fee is 30 days.
⁃ No commission for early repayment.
⁃ Loan term: from 61 days to 360 days.
⁃ Maximum annual percentage rate (APR): up to 497.14%.

Example of calculating the total loan cost for the Customer obtaining a loan via Azpulapp:
• For example, a loan of 500 AZN for a period of 90 days, with payment at the end of the loan term.
• The total amount to be repaid is 807.5 AZN. Out of this amount, 500 AZN is the principal debt, and 307.5 AZN is the interest and service fee charged at the end of the term for the use of the provided loan.
• APR – 246%.

Privacy and data protection
• Azpulapp processes users’ personal data only based on their consent and in accordance with Azerbaijani legislation.
• The application does not require access to the phone book, photo gallery, or geolocation.
For detailed information, please review the Privacy Policy (a separate new policy for Android is available via the link).

If you have any questions, please contact the Customer Service Center. Our contact information: 1670, +994 12 310 50 04, info@azpul.az.

BOKT “AZPUL” LLC operates on the basis of license No. BKT-34 issued by the Central Bank of the Republic of Azerbaijan on September 18, 2020.
Loan terms comply with the rules described in the decision No. 46/2 dated 15.11.2024 of the Board of the Central Bank of the Republic of Azerbaijan: https://e-qanun.az/framework/58303