Consumer Loans

Make your wishes come true!

Purchase any item (furniture, home appliances, cell phone, computer etc.) or finance your or your children’s education through the consumer loan of Terabank.


Secured consumer loan terms 
Loan amount

min - 1,000 GEL

max - individually*

Loan maturity

min - 6 months

max - 120 months

Loan currency


Annual interest rate

GEL – from +4.70% to re-financing rate 

USD(Libor-based variable rate)-from 8.50%

EURO(Euribor-based variable rate)- from 7.50%  
Effective interest rate

from 16.80%- in GEL

from 9.60% in USD 

from 8.60% in  EUR

loan repayment rate

equal monthly installments


Purchase of real estate or movable property (vehicle)

Volume of income

300 GEL (equivalent in foreign currency)

Loan disbursement fee 0.90% (min.50 units)
Fee for searching the information on not being allocated in the Credit Info base 18 GEL, 6 USD, 6 EURO 

Withdrawal Fee

0.20% min. 0.50 GEL

USD/EUR - 0.50% min. Equivalent to 1 GEL

*Less than 200,000 GEL (in equivalent currency) will be issued in GEL only.

                           *The amount less than GEL 200,000(equivalent in foreign currency) is disbursed only in GEL

See the registration / termination fee at the link


Promotion terms- Consumer loan without security 

Loan amount

minimal -  GEL 500

Maximal-  GEL 45,000 

Loan maturity

Minimal : 3 Months

Maximal: 48 months 

Loan currency GEL

Annual interest rate in GEL     

from - 10.5%
Effective interest rate from 19.20%

Volume of income

GEL 300 (equivalent in foreign currency) 
Loan disbursement fee 2% (min.20 units)

Fee for searching the information on not being allocated in the Credit Info base

18 GEL


Guarantee fee * 

From 500 up to 5,000 GEL on loans - fixed 3 GEL per month

From 5000 up to 20 0000 GEL on loans - fixed 5 GEL per month

Withdrawal fee 

0.20% min. 0.50 GEL

*Guarantee fee is activated only on loans from 500 GEL to 20,000 GEL which have neither a co-borrower nor a guarantor.

Application Form

Security Code