Payment method: annuity

Comission: 0.2% of the loan amount (min. 20 AZN, max. 1000 AZN)


Who can apply?

Age: 20-70 (by the end of credit payment period)

Length of service: minimum 6 monthes on the last job


Initial payment

The period that has elapsed since the date of manufacture of the vehicle at the time of the loan Minimum initial payment by vehicle engine types (%)
Electric engine Hybrid engine  Other types of engine (petrol, diesel, etc.)
up to 1 year 20% 20% 40%
from 1 to 3 years 30% 40% 50%
more than 3 years 40% 50% 60%

Car production date till the end of loaning period:

  • Iran, China and CIS countries: 5 years
  • Other countries: 7 years

Annual interest rate

  • Avtolux Azerbaijan: 10%

  • Partner auto-dealers: Electric and hybrid engine 10%, other engines 12%

  • Others: 16-20%

Auto-dealer partners

  • Abşeron Avtomobil Mərkəzi MMC (Mercedes-Benz)
  • Aral Auto MMC (Volvo)
  • Auto Azərbaycan MMC (Hyundai)
  • Auto Star Kaukasus MMC (Mercedes-Benz)
  • Avtolux Azerbaijan MMC
  • AZ KIA Motors (KIA)
  • Azərbaycan Automobiles QSC (Volkswagen)
  • Azərbaycan Avtomobil Evi MMC (Changan)
  • Aztol Motors MMC (Volvo, Suzuki)
  • Cahan Motors MMC (Opel)
  • Diamond Motors MMC (Mitsubishi)
  • Dream Auto MMC (Audi)
  • Əfəndilər MMC (Porche Bakı Mərkəzi)
  • Improtex Motors MMC (BMW)
  • Inshaat Services MMC (Haval)
  • KIA Motors Azərbaycan MMC (KIA)
  • Nurgün Motors MMC (Nissan, Infinity, Renault)

  • PDA MMC (Peugeot)
  • Performance Center Co LTD (Chevrolet)
  • Rich Motors MMC (Geely)
  • Rotary Motors MMC (Mazda)
  • Skaz Autohouse MMC (Skoda)
  • Subaru Azərbaycan MMC (Subaru)
  • Toyota Absheron Center MMC (Toyota)
  • Toyota Bakı Mərkəzi MMC (Toyota)
  • Yeni Motors MMC (Honda)

XalqOnline mobile application

Functional and convenient XalqOnline system allows you to make bank transactions and control the card balance.

Favorite offers

Loan on affordable terms
Loan on affordable terms

Loan campaign on affordable terms


Pay cashless everywhere, get free PETROL!

Commercial Mortgage
Commercial Mortgage

Obtain office and trade industrial real estate

Google Pay is available for Xalq Bank cards!
Google Pay is available for Xalq Bank cards!

A fast, simple way for contactless payments