Consumer Loan
Some plans just cannot wait, access the money you need today
Obtain up to 100,000 GEL quickly and easily - whether it's for personal needs, business development, or covering existing debts. Loan approval is based on your salary, rental income, or remittances and the funds can be available in just 1 day.
- Get approval in just 1 day
- Receive up to 100,000 GEL
- Flexible terms - up to 120 months
Up to 200,000 GEL
to help you achieve your goals without delay.
Streamlined Process
get your funds in just one day.
Up to 120 months loan term
with a repayment schedule that works best for you.
Any income source
approval based on your salary, rental income, or remittances.
Scapp Advantage
Trustful and Professional
Your reliable financial partner, backed by years of experience and a commitment to the highest standards of service.
Personalized Solutions
We offer customized financial services designed to meet your individual needs.
Simple and Accessible
Scapp's wide range of services and user-friendly digital features help you overcome financial challenges quickly and with ease.
How to get Consumer Loan
Via submission
Complete a simple and quick online form.
Visit a Branch
Stop by your nearest Scapp branch to apply in person.
Phone Assistance
Call us at 032 2 300 300 for support.
Frequently Asked Questions
Have more questions?
See the full list of FAQs.
Important Terms of Consumer Loan
| Interest Rate Type | Decreasing / Annuity |
|---|---|
| Annual Interest Rate | 26-36% |
| Effective Annual Interest Rate | 50% |
| Issuance Commission / Registration Fee | 100-200 Lari |
| The total amount and period of a loan | 2 000-200 000 Lari, 3-72 months. |
| Early Repayment Commission | 2% – of the repaid amount, if the remaining period is more than 24 months; 1% – if 12–24 months remain; 0.5% – if 6–12 months remain; 0% – if up to 6 months remain. |
| Overdue Penalty | 0.27% of the residual loan principal for every overdue day. In addition, from the beginning of the overdue period until its complete elimination, the imposition of expenses (including %) of this period is stopped after their total amount reaches 1.5 times the amount of the current residual principal amount. |
