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2H19v8h-5.192l-.4-2H7v7.5zm8.65-6.5H18V8h-5.25l-.4-2H7v6h7.25z\"\u002F>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":44},32,"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"m31.4 5.4-4.7 22c-.35 1.55-1.25 1.9-2.55 1.2l-7.05-5.2-3.45 3.3c-.35.35-.7.7-1.5.7l.55-7.25L25.85 8.2c.55-.55-.15-.75-.85-.3L8.65 18.2 1.6 16.05c-1.55-.5-1.55-1.55.35-2.25l27.4-10.65c1.35-.4 2.5.3 2.05 2.25\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":46},"\u003Cdefs>\u003CclipPath id=\"a\">\u003Cpath fill=\"#fff\" d=\"M0 0h32v32H0z\"\u002F>\u003C\u002FclipPath>\u003C\u002Fdefs>\u003Cg fill=\"none\">\u003Cg clip-path=\"url(#a)\">\u003Cpath fill=\"currentColor\" d=\"M23.7 12.9h-3.8V7.8H23c.55 0 1-.4 1-1V1.5c0-.55-.4-1-1-1h-3.65c-3.95 0-6.7 2.8-6.7 6.95v5.35h-4.4c-.7 0-1.35.55-1.35 1.35v3.6c0 .7.55 1.35 1.35 1.35h4.3v11.05c0 .7.55 1.35 1.35 1.35h4.7c.3 0 .55-.15.75-.35s.35-.55.35-.85V19.15H23c.65 0 1.15-.4 1.25-1v-.1l.7-3.45c.05-.35 0-.75-.3-1.15-.1-.25-.55-.5-.95-.55\"\u002F>\u003C\u002Fg>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":48},"\u003Cg style=\"transform-origin:1.01222px 1.01222px\">\u003Cpath fill=\"currentColor\" d=\"M24.843 6.234c-1.071 0-1.875.803-1.875 1.874 0 1.07.804 1.874 1.875 1.874s1.874-.803 1.874-1.874-.803-1.874-1.874-1.874M16.408 8.643c-4.418 0-7.898 3.615-7.898 7.9s3.614 7.898 7.898 7.898 7.9-3.615 7.9-7.899-3.482-7.899-7.9-7.899m0 12.987a5.085 5.085 0 0 1-5.087-5.088 5.085 5.085 0 0 1 5.087-5.087 5.085 5.085 0 0 1 5.088 5.087 5.085 5.085 0 0 1-5.088 5.088\"\u002F>\u003Cpath fill=\"currentColor\" d=\"M22.834.343H10.116C4.627.343.343 4.627.343 9.983V22.7a9.6 9.6 0 0 0 9.64 9.639H22.7a9.6 9.6 0 0 0 9.639-9.64V9.983c.134-5.355-4.15-9.64-9.506-9.64m6.56 22.491c0 3.615-2.945 6.694-6.693 6.694H9.982c-3.615 0-6.694-2.945-6.694-6.694V10.116c0-3.615 2.946-6.694 6.694-6.694h12.719c3.614 0 6.694 2.945 6.694 6.694z\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":50},"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"M9.253 6.667a2.667 2.667 0 1 1-5.333-.003 2.667 2.667 0 0 1 5.333.003m.08 4.64H4V28h5.333zm8.427 0h-5.307V28h5.254v-8.76c0-4.88 6.36-5.333 6.36 0V28h5.266V17.427c0-8.227-9.413-7.92-11.626-3.88z\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":52},"\u003Cg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\">\u003Ccircle cx=\"12\" cy=\"12\" r=\"10\"\u002F>\u003Cpath d=\"M14.83 14.83a4 4 0 1 1 0-5.66\"\u002F>\u003C\u002Fg>",{"currentArticle":54},{"data":55},{"id":56,"title":57,"description":58,"original_image":59,"thumbnail_image":60,"image_source":61,"description_source":61,"publication_date":62,"views_count":63,"category":64,"topics":67,"author":89,"banners":104,"seo":105},299,"How to Get a Cash Loan in Armenia Without Collateral or a Guarantor","\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">A loan without collateral or a guarantor may sound straightforward: you do not need to pledge an apartment, car, or gold, you do not need to ask a relative to sign an agreement, and you may be able to receive the funds quickly. But banks do not lend purely on trust. They still assess income, credit history, outstanding debt, guarantees provided for other people, and the customer’s internal scoring profile.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">It is \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">important\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> to understand that, as of Jul 2026, such products are available in Armenia, but their terms must be reviewed carefully. “No collateral,” “no guarantor,” “online application,” and “cash” are four different conditions. They often appear together in advertising, but they may mean different things in the agreement.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The word “cash” deserves particular attention. Many banks disburse consumer loans on a non-cash basis, crediting the funds to an account or card. The customer then withdraws the money independently. That is why you should compare not only the interest rate, but also the disbursement method, cash withdrawal fee, and actual annual percentage rate, or APR.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What to Understand Before You Apply\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">No collateral \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">means the bank does not register any property as security for the loan.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">No guarantor\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> means no other individual signs a guarantee agreement or becomes liable for your debt. If a bank states that it may require a guarantee, the product cannot honestly be described as unconditionally available without a guarantor.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The nominal rate shows the rate at which interest is charged on the outstanding balance. APR reflects the broader cost of the loan, including mandatory payments where applicable. When comparing offers, focus primarily on APR rather than a promotional “from…” rate.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">An online application does not always mean a fully online loan. You may be able to submit an application through a website or app, while identification, signing the agreement, or receiving the funds may still require additional steps. The table below therefore lists the disbursement method, fees, and collateral\u002Fguarantor terms separately.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Banks and Products\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">This section includes products listed on official bank websites. Products that explicitly confirm the absence of collateral and a guarantor are identified separately. The remaining products are included as market reference points, with the necessary caveats.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Inecobank — 1 CLICK Online Loan\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Amount and term: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">100,000-18,000,000 AMD; 24\u002F36\u002F48\u002F60 months via InecoOnline\u002FInecoMobile; 48\u002F60 months via Sprint.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Rate \u002F APR: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">nominal rate 15-21%; APR 15.8-23%.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Disbursement and fees: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">cashless; withdrawals — 0%.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Important: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">the bank explicitly states: no income statement, guarantor, or collateral; the limit depends on the scoring result.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Evocabank — Action\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Amount and term: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">310,000-10,000,000 AMD; 24-60 months.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Rate \u002F APR: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">nominal rate 18-21.5%; APR 19.58-23.79%.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Disbursement and fees: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">cashless crediting to an account; no fees apply.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Important: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">the bank’s page states that no guarantee or collateral is required.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Byblos Bank Armenia — Online Loan\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Amount and term: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">400,000-10,000,000 AMD; 1-4 years.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Rate \u002F APR: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">nominal rate 14.5%; APR 15.41-15.63%.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Disbursement and fees: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">funds are credited to an account; there is no disbursement or servicing fee.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Important: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">the bank explicitly states: no collateral or guarantor; the rate may be higher after risk assessment.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">VTB Armenia — Online Credit\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Amount and term: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">100,000-10,000,000 AMD; 6-60 months.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Rate \u002F APR: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">nominal rate 15.5-18%; APR 18.51-23.9%.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Disbursement and fees: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">cashless; loan account servicing — 0.15% per month of the original amount; withdrawals of loan funds from the account are free.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Important: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">the bank explicitly states: no collateral and no guarantors; available only to citizens of Armenia.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Converse Bank — SNAP\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Amount and term: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">50,000-10,000,000 AMD; 36 months.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Rate \u002F APR: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">nominal rate 16-21.5%; APR 16.70-24.00%.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Disbursement and fees: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">cashless crediting to a savings or card account; withdrawals from a savings account — 0%, from a card — according to the card tariff.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Important: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">a scoring-based product; the page does not contain a direct statement that no guarantor is required.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">AEB — Online Loan\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Amount and term: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">100,000-5,000,000 AMD; 18-36 months.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Rate \u002F APR: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">nominal rate 16.5-21.5%; APR 17.81-23.75%.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Disbursement and fees: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">application through AEB Mobile; cashless disbursement.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Important: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">the bank may require guarantees from other persons.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">IDBank — Rocket loans\u002Fcredit lines\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Amount and term: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">100,000-10,000,000 AMD; loan — 12-60 months, credit line — 18-60 months.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Rate \u002F APR: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">loan: 19.9-21.7%, APR 21.82-23.99%; credit line: 19-21%, APR 20.89-23.34%.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Disbursement and fees: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">loan — cashlessly to a current account, withdrawals are free; credit line — to a card, withdrawals according to the card tariff.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(35, 70, 106);\">• \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Important: \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">no collateral, but a natural person’s guarantee may be required if necessary.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Note: terms depend on scoring, income, credit history, age, residency status, and the bank’s internal rules. Final terms are provided in the individual terms sheet before the agreement is signed.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What the Comparison Shows\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">If you need the most straightforward option without collateral or a guarantor, start with Inecobank 1 CLICK, Evocabank Action, Byblos Online Loan, and VTB Online Credit. Their current official pages explicitly confirm the absence of collateral, a guarantee, or a guarantor.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The lowest published nominal rate in the table is offered by Byblos Online Loan at 14.5% per year. However, the bank explicitly states that, following risk assessment, an application may be approved at a higher rate. Among the reviewed online products, Inecobank has the largest amount limit - up to 18 million AMD - although the actual limit depends on the bank’s scoring.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">AEB and IDBank may require an individual guarantee, so they should not be presented as products that are definitively available without a guarantor to everyone. Both banks expressly retain the right to request such a guarantee. Converse SNAP uses automated decision-making, but its page does not explicitly state that no guarantor is required.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Step-by-Step Guide\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">1. Set the amount.\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> Do not take the maximum “just in case”: an extra 300,000 AMD also increases the overpayment and monthly instalment.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">2. Calculate an affordable payment.\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> A good loan is one that fits comfortably into your budget after rent, food, utility costs, and existing debt payments.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">3. Check your credit history.\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> ACRA allows you to review your credit history and credit score. Overdue payments, frequent applications, and guarantees provided for other people can reduce your chance of approval or affect the loan terms.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">4. Start with your own bank.\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> If your salary is paid into an account at that bank, it has a clearer view of your income and account turnover, so the decision may be faster.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">5. Compare APR, not just the nominal rate.\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> Two similar rates may result in different overall costs because of fees and the disbursement method.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">6. Check the cash withdrawal terms.\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> If the loan is credited to an account, ask where you can withdraw the funds and how much it will cost.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">7. Request the individual terms sheet before signing the agreement.\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\"> It should state the amount, term, rate, APR, payment, fees, penalties, and prepayment terms.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Illustrative Calculation\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Suppose a customer borrows 1,000,000 AMD for 36 months with annuity payments. Fees are not included, so this is an illustration rather than a bank offer.\u003C\u002Fspan>\u003C\u002Fp>\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd data-row=\"1\" class=\"ql-align-center\">\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Nominal Rate\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-center\">\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Monthly Payment\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-center\">\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Total Repayment\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\" class=\"ql-align-center\">\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Overpayment\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"2\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">16%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">about 35,157 AMD\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">about 1,265,653 AMD\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">about 265,653 AMD\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"3\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">20%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">about 37,164 AMD\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">about 1,337,889 AMD\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">about 337,889 AMD\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"4\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">23%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">about 38,710 AMD\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">about 1,393,550 AMD\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\" class=\"ql-align-center\">\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">about 393,550 AMD\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The difference between 16% and 23% is roughly 128,000 AMD in additional cost over three years. Approval speed matters, but it should not be the main criterion. A bank’s actual repayment schedule may differ because of the disbursement date, the number of days in the first period, fees, insurance, and the rules of the specific product.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Who It Suits\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">This type of loan suits someone with stable income, a sound credit history, and a clear purpose: medical treatment, home repairs, buying equipment, education, relocation, or urgent family expenses. It is convenient for people who do not want to involve relatives or friends as guarantors.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The best scenario is when the borrower knows in advance where repayment funds will come from: salary, regular business income, or another stable cash flow. In that case, the loan becomes a planning tool rather than an attempt to plug a budget gap.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">When It Is Better Not to Use It\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Do not take out a loan if your income is unstable, you already have overdue payments, or you will only be able to repay the new loan by taking another one. That does not solve the problem; it simply pushes it into the future with interest.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">A warning sign is taking out a loan simply to get by. In that situation, it is better to reassess your budget, reduce expenses, negotiate a restructuring of existing obligations, or postpone the purchase.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What to Check Before Applying\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Before signing the agreement, check the amount, term, nominal rate, APR, monthly payment, total repayment, disbursement fee, servicing fee, cash withdrawal cost, overdue-payment penalties, and prepayment terms. If the loan is issued to a card or account, confirm the tariff for that specific withdrawal method: free withdrawal from an account does not always mean free withdrawal from any card or any ATM.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Also check the wording on the guarantor requirement. If the bank says that it “may require a guarantee” or that “a guarantor may be required,” the product cannot be considered completely free of a guarantor requirement. This is a material legal difference for the customer.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">For Non-Residents\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">These loans are generally more difficult for non-residents. Many products are explicitly aimed at residents or citizens of Armenia. For example, Byblos Online Loan requires an Armenia resident aged 21-63; Evocabank Action requires an individual resident aged 21-65; Converse SNAP is for resident citizens and\u002For resident customers; AEB requires registration and residence in Armenia; and VTB Online Credit requires citizenship of Armenia.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">A non-resident may need a passport, proof of lawful stay, income verification, account transaction history, an employment contract, or additional customer-identification documents. If income comes from abroad, the bank may assess risk more strictly. That is why you should first confirm your eligibility for the product and only then compare rates.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">How to Choose the Best Option\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The approach is simple: first, shortlist products where the absence of collateral and a guarantor is explicitly confirmed. Then compare APR, amount, term, and disbursement method. After that, check the cash withdrawal fee, and only then consider approval speed.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The best loan is not the one where the bank promises more. It is the one with a clear payment, transparent terms, a suitable way to receive the funds, and an overall cost that does not place excessive strain on your budget.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">FAQ\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Can you get a cash loan in Armenia without collateral or a guarantor?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Yes. However, the loan is often credited on a non-cash basis to an account or card, after which the customer withdraws the money independently.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Which products match this request most closely?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">According to their official pages, Inecobank 1 CLICK, Evocabank Action, Byblos Online Loan, and VTB Online Credit are the closest match: they explicitly state the absence of collateral, a guarantee, or a guarantor. Final terms still depend on scoring and the individual terms sheet.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What matters more: the nominal rate or APR?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">APR is more important for comparison. The nominal rate shows how interest is charged, while APR is closer to the total cost of the loan when mandatory payments are made on time.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What amount is available without collateral?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The reviewed terms include limits of up to 10-18 million AMD. The specific amount depends on income, debt burden, credit history, age, and scoring.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Can you receive the funds on the day you apply?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">For certain online products, a decision is made within seconds or minutes. Actual crediting depends on the bank, customer identification, and processing time.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Do you need a good credit history?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">Yes. Without collateral or a guarantor, the bank relies more heavily on credit history, income, and debt burden. Overdue payments reduce the chance of approval and may worsen the terms.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Where should you turn in the event of a dispute with a bank?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">First, you should file a complaint with the financial institution. It usually has to respond within 10 business days, and within 15 business days for complaints about a credit bureau. If you are not satisfied with the response, you can contact the Financial System Mediator.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Conclusion\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">A cash loan in Armenia without collateral or a guarantor can be a useful tool, but it should be chosen and taken out carefully. The most common mistake is to combine “no collateral,” “no guarantor,” “online,” and “cash” into one broad promise. In practice, these are different conditions.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">The best path for the reader is to check their credit history, start with their own bank, compare APR, clarify the disbursement method and withdrawal fee, and then read the individual terms sheet carefully. If the terms allow the bank to require a guarantee, the product cannot be considered completely free of a guarantor requirement.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">If the loan solves a specific problem, the payment is affordable, and the terms are transparent, it can be useful. If the loan is needed for everyday expenses or existing debt, it is better to stabilize the budget first. A loan should help, not become a new problem.\u003C\u002Fspan>\u003C\u002Fp>","\u002Fcontent\u002Fuploads\u002Fnews\u002F5e16921b-de39-4f1b-838f-ec724f2bb3b8.webp","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F5e16921b-de39-4f1b-838f-ec724f2bb3b8.webp",null,"2026-07-05 12:00:00",225,{"title":65,"slug":66},"Journal","journal",[68,71,74,77,80,83,86],{"title":69,"slug":70},"ID Bank","id-bank",{"title":72,"slug":73},"Byblos Bank Armenia","byblos-bank-armenia",{"title":75,"slug":76},"Evocabank","evocabank",{"title":78,"slug":79},"Inecobank","inecobank",{"title":81,"slug":82},"Converse Bank","converse-bank",{"title":84,"slug":85},"Armeconombank","armeconombank",{"title":87,"slug":88},"VTB Bank","vtb-bank",{"first_name":90,"last_name":91,"full_name":92,"avatar":93,"email":94,"slug":95,"company":61,"phone":61,"title":61,"description":96,"position":97,"position_description":98,"social_links":99},"Davit","Gyulnazaryan","Davit Gyulnazaryan","\u002Fcontent\u002Fuploads\u002Favatars\u002F46872e597a52a51acd0c2d71daa90e8d.webp","david.gyulnazaryann@gmail.com","davit-gyulnazaryan","\u003Cp>Financial analyst with experience in audit, financial planning, budgeting, and business analysis. His professional background includes financial reporting, forecasting, performance analysis, financial modeling, and data analytics, as well as experience working with fintech-related solutions. At AFM, he writes market analyses and financial articles, helping readers better understand financial products.\u003C\u002Fp>","Financial content writer and analyst at AFM","\u003Cp>Responsible for content planning and the creation of financial articles, market reviews, and analytical materials for AFM users\u003C\u002Fp>",[100],{"name":101,"link":102,"status":103},"linkedin","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fdavid-arshakyan\u002F",1,[],{"title":106,"description":107,"keywords":108},"Cash Loans in Armenia Without Collateral or a Guarantor: 2026 Guide","Learn how to get a consumer loan in Armenia without collateral or a guarantor, compare banks, understand APR, estimate costs, and check key terms before signing.",[],{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":110},"\u003Cpath fill=\"currentColor\" d=\"M5 19v-8.692q0-.384.172-.727t.474-.565l5.385-4.078q.423-.323.966-.323t.972.323l5.385 4.077q.303.222.474.566q.172.343.172.727V19q0 .402-.299.701T18 20h-3.384q-.344 0-.576-.232q-.232-.233-.232-.576v-4.769q0-.343-.232-.575q-.233-.233-.576-.233h-2q-.343 0-.575.233q-.233.232-.233.575v4.77q0 .343-.232.575T9.385 20H6q-.402 0-.701-.299T5 19\"\u002F>",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":112},"\u003Cpath fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m9 18l6-6l-6-6\"\u002F>",{"left":5,"top":5,"width":114,"height":114,"rotate":5,"vFlip":7,"hFlip":7,"body":115},14,"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"M7 11.529c-4.33 0-6.475-4.135-6.562-4.31a.51.51 0 0 1 0-.437C.525 6.607 2.669 2.494 7 2.494s6.475 4.113 6.563 4.288a.51.51 0 0 1 0 .437c-.088.175-2.231 4.31-6.563 4.31M1.444 7c.481.81 2.363 3.544 5.556 3.544S12.075 7.81 12.557 7C12.075 6.191 10.194 3.457 7 3.457 3.807 3.457 1.925 6.19 1.444 7\"\u002F>\n    \u003Cpath fill=\"currentColor\" d=\"M7 8.86A1.86 1.86 0 0 1 5.14 7c0-1.028.832-1.86 1.86-1.86S8.86 5.973 8.86 7 8.027 8.86 7 8.86m0-2.735A.88.88 0 0 0 6.125 7c0 .481.394.875.875.875A.88.88 0 0 0 7.875 7 .88.88 0 0 0 7 6.125\"\u002F>\u003C\u002Fg>"]