Shopping has become even more accessible!
When shopping on Wildberries you can apply for a loan from Unibank and pay for the products of your choice.
Loan application takes just a few minutes and does not require a visit to the bank.
How does it work?
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Choose the items you like on Wildberries and add them to your cart.
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Select Unibank as your payment method.
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The system will redirect you to the Unibank page to fill in the required information.
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After the loan is approved, payment is made automatically.
Why is it convenient?
- The ability to purchase the products you need today
- Fast online application
- Credit decision in just a few minutes
- Intended Purpose
- Credit limit for purchasing product(products) on the Wildberries online platform.
- Borrower requirements
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- Individual, resident of the Republic of Armenia
- No negative credit history, per the Bank's credit policy
- No current overdue debt or classification - Age requirement: 21–65 years - Credit limit term
- 30 days
- Minimum loan amount
- 5000 AMD (equal to the actual total cost of the product (products))
- Maximum loan amount
- 2,500,000 AMD (equal to the actual total cost of the product (products))
- Loan currency
- AMD (Armenian drams)
- Loan term
- up to 36 months
- Nominal interest rate
- 18%
- Effective interest rate
- 19,51%-19,63%
The actual provision of loans is carried out at the moment the customer receives the product (products) ordered on Wildberries.
Attention: Loan interest is calculated based on the nominal interest rate. The annual percentage rate (APR) shows the total cost of the loan if all mandatory payments are made on time and in full. Details on APR calculation can be found here. Changes in the nominal interest rate by the Bank during the loan term are not applicable.
Other conditions limiting the availability of credit to consumers do not exist. The loan is issued via an online platform. Factors for a positive credit decision include the client’s solvency, positive credit history, etc. Factors for loan refusal include insufficient income, negative credit history, etc.
- Procedure for granting the loan
- Non-cash transfer; credited directly to Wildberries
- Loan repayment procedure
- Monthly annuity payments. Early repayment of the loan is allowed without restrictions.
- Account opening and maintenance
- Free
- Penalties
- 4% of the overdue amount, charged as a one-time fee for each instance of delay.
- Required documents
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- Application
- Passport / ID
- Social card (if not available - certificate confirming the absence of a social card)
ATTENTION:In the event of non-fulfillment or improper fulfillment of your obligations, the creditor will, after 1 business day (maximum within a three-business-day period), send this data to the credit bureau, where your credit history is formed. You have the right to receive your credit history from the credit bureau once a year free of charge. WARNING: A negative credit history may prevent you from obtaining credit in the future.
In the event of non-fulfillment of credit obligations and repayment of obligations through collateral, if the collateral is insufficient to cover the borrower’s credit obligations, repayment of obligations may be made from other assets of the borrower.
YOU HAVE THE RIGHT TO COMMUNICATE WITH THE BANK IN YOUR PREFERRED WAY: BY POSTAL OR ELECTRONIC. RECEIVING INFORMATION ELECTRONIC IS THE MOST CONVENIENT. IT IS AVAILABLE 24/7, FREE FROM THE RISK OF LOSS OF PAPER INFORMATION AND ENSURES CONFIDENTIALITY.
For the purposes of customer due diligence as defined by the Law of the Republic of Armenia “On Combating Money Laundering and Terrorism Financing”, it may, based on the “Know Your Customer” (“Know your customer”) principle, request additional documents or other information from the consumer, as well as ask additional questions during verbal communication.
The latter can also be carried out within the framework of international agreements (for example, the FATCA agreement) for the purpose of determining U.S. taxpayer status or obtaining other necessary information.
“Your Financial informant” - www.fininfo.am
ATTENTION: “YOUR FINANCIAL INFORMANT” IS AN ELECTRONIC SYSTEM WHICH MAKES IT EASY TO SEARCH, COMPARE, AND SELECT THE MOST EFFECTIVE OPTION FOR SERVICES OFFERED TO INDIVIDUALS.
Call Center:
+37410 59 55 55
+37410 71 22 22
Happy shopping
with Wildberries and UNIBANK!
Updated` 04/06/26 12:51