Where to Get the Largest Loan in Armenia: Top 5 Banks with the Highest Limits in 2025

If you're planning a major purchase, renovation, business launch, or refinancing, it's crucial to understand that banks in Armenia offer very different limits on consumer loans. While some cap the amount at just a few million AMD, others are willing to issue up to AMD 100 million — if you meet their requirements.

This article features the top 5 banks in Armenia that offer the largest consumer loans. It includes both unsecured and standard secured loans, with a breakdown of maximum loan amounts, interest rates, repayment terms, and other key conditions.

Who will find this guide helpful:

1. Those looking for a large loan in Armenia
2. Those who want to borrow without collateral, but for the maximum possible amount
3. Borrowers comparing effective interest rates across banks
4. Anyone planning to take a long-term loan — up to 10 years

In this guide, you'll learn:

1. Which bank in Armenia offers the largest consumer loan
2. Where you can get up to AMD 100,000,000
3. How to choose the best option by interest rate and loan term
4. What factors affect approval for a large loan

AFM helps you navigate Armenia’s loan market without the confusion — we’ve gathered all the key data in one place so you can make an informed decision and choose the best deal available.

Ready to find your ideal offer? Explore our “Cash Loans in Armenia” section and discover the most advantageous terms today.

1. ArmSwissBank — up to AMD 100 million

Loan type: Consumer loan

Maximum amount: AMD 100,000,000

Term: up to 60 months

Effective interest rate: 16.13%–23.9%

Currency: AMD

Highlights: One of the highest loan limits on the market, suitable for large-scale needs

This is the best option in terms of loan size — if you meet the bank’s criteria, you can access a truly large amount.

2. Ardshinbank — up to AMD 50 million (unsecured)

Loan type: Consumer, unsecured

Maximum amount: AMD 50,000,000

Term: up to 120 months

Effective interest rate: 17.8%–19.32%

Currency: AMD

Highlights: Long repayment period, no collateral required

Ideal for those who need a large loan for a long term, but want to avoid pledging collateral. Ardshinbank offers well-balanced terms.

3. Ameriabank — up to AMD 20 million

Loan type: Consumer loan

Maximum amount: AMD 20,000,000

Term: up to 60 months

Effective interest rate: 22.2%–23.09%

Currency: AMD

Highlights: Available online, can be arranged through branches and digital channels

A solid choice if you're looking for a large loan from a trusted bank with fast application processing.

4. Fast Bank — up to AMD 15 million (unsecured)

Loan type: Consumer, unsecured

Maximum amount: AMD 15,000,000

Term: up to 60 months

Effective interest rate: 13.81%–23.1%

Currency: AMD

Highlights: Attractive rates, no collateral required

Among the top offers in the unsecured loan segment, especially for borrowers with a high credit score.

5. Ardshinbank — up to AMD 12 million (unsecured)

Loan type: Consumer, unsecured

Maximum amount: AMD 12,000,000

Term: up to 120 months

Effective interest rate: 16.97%–23.26%

Currency: AMD

Highlights: Flexible repayment terms, ideal for gradual loan repayment

Ardshinbank appears twice in this ranking thanks to its diverse loan options offering high limits and flexible durations.

Loan Conditions Comparison Table

Conclusion

If you're looking for a large loan in Armenia with favorable terms, consider not only the amount, but also the interest rate, loan term, and whether the loan is secured or unsecured.

1. ArmSwissBank offers the highest limit
2. Ardshinbank stands out for flexible repayment periods
3. Fast Bank and Ameriabank provide competitive conditions without collateral

Use the AFM platform to compare the latest loan offers, calculate overpayments, and find the most profitable option — with no mistakes and no hidden costs.