Ucom Credit

0% – 0% – 0% installment plan under special terms for any iPhone model

Enjoy an installment plan with preferential terms for 12 months at 0% down payment, 0% interest rate, and 0% service fee.
Simply subscribe to the Level Up+ postpaid plan for a 12-month period.

The offer is available exclusively for iPhone purchases with a 12-month subscription to the Level Up+ postpaid plan.
All iPhone models are available when subscribing to Level Up+ 3000 or higher tariff plans within 12 months.
During the commitment period, you may switch to any other Level Up+ postpaid plan without paying a termination fee.

If the postpaid subscription is terminated early or switched to an ineligible tariff, a termination fee of AMD 45,000 will apply.

Partner banks:

Unibank and Evocabank

Term: 36 months — 0% down payment, 0% service fee, and 0% interest rate for the first 12 months.
The nominal annual interest rate for the remaining 24 months is 0%, with a monthly service fee of 0.99%.
The effective interest rate for the loan is 14.5%.

Inecobank

Term: 48 months — 0% down payment, 0% service fee, and 0% interest rate for the first 12 months.
The nominal annual interest rate for the remaining 36 months is 18%, with a monthly service fee of 0.8%.
The effective interest rate for the loan is 22.7%.

0% - 0% - 0% installment with special conditions

Take advantage of the installment plan with preferential terms for 1 year: 0% prepayment, 0% interest rate, 0% service fee. Simply subscribe to the Level Up+ postpaid service for 12 months.
This offer is available exclusively for the purchase of smartphones when subscribing to the Level Up+ postpaid service for 12 months:

• Subscription to the Level Up+ 3000 or higher tariff plan for smartphones worth up to 150,999 AMD
• Subscription to the Level Up+ 5500 or higher tariff plan for smartphones priced between 151,000 and 250,999 AMD
• Subscription to the Level Up+ 8000 tariff plan for smartphones priced at 251,000 AMD or more

During the term of the commitment, you can switch to another available tariff plan without paying a cancellation fee, provided that the new tariff plan is compatible with the purchased phone as per the above points.
In case of early termination of the postpaid service subscription or switching to an unavailable tariff plan, a cancellation fee of 15,000, 25,000, or 45,000 AMD will be charged, depending on the value of the purchased phone.

Available banks:

Unibank and Evokabank

Term: 36 months – 0% prepayment, 0% interest rate and 0% service fee for the first 12 months. The nominal annual interest rate for the next 24 months is 0%, with a monthly service fee of 0.99%. The actual interest rate on the loan is 14.5%.

Inecobank

Term: 48 months — 0% down payment, 0% service fee, and 0% interest rate for the first 12 months.
The nominal annual interest rate for the remaining 36 months is 18%, with a monthly service fee of 0.8%.
The effective interest rate for the loan is 22.7%.

Unibank

Credit term: 48 months - 0% prepayment, 21.5% interest rate, 0% service fee, 23%-24% effective annual interest rate;
Term: 48 months - 0% prepayment, 0% service fee and 0% interest for the first 8 months. Annual nominal interest rate for the next 40 months 0%, monthly servicing fee 0.99%. The actual interest rate on the loan is 0-14.5%.

Devices with 0% prepayment, 0% service fee and 0% interest:

HONOR 400 Lite (15.10.2025 - 15.11.2025)

Learn more about credit terms here.

Phone: (+374 10) 592259; 595555, www.unibank.am

Unibank is supervised by the CBA.

Evocabank

Evocabank

Term: 12-24 months - 0% down payment, 21% interest rate, 0% service fee, up to 24% per annum.
Term: 36 months - 0% prepayment, 0% service fee and 0% interest for the first 8 months. Annual nominal interest rate for the next 28 months 0%, monthly servicing fee 0.99%. The actual interest rate on the loan is 0-16.96%.

Devices with 0% prepayment, 0% service fee and 0% interest:

HONOR 400 Lite (15.10.2025 - 15.11.2025)

Term: 48 months - 0% prepayment, 0% service fee and 0% interest for the first 18 months. Annual nominal interest rate for the next 30 months 0%, monthly servicing fee 0.99%. The actual interest rate on the loan is 0-11.61%.

Devices with 0% prepayment, 0% service fee and 0% interest:

iPhone Air (10.11.25 - 30.11.25)
iPhone 16 (10.11.25 - 30.11.25)
iPhone 15 (10.11.25 - 30.11.25)

Installment plans are available for citizens of Armenia and Russia, aged 21 and over, whose age will not exceed 63 years by the end of the loan term.

Phone: (+374 10) 605555, www.evoca.am

Evocabank is regulated by the Central Bank of Armenia.

Inecobank

Term: 60 months - 0% prepayment, 0% service fee and 0% interest for the first 4 months. Annual nominal interest rate for the next 56 months 15%, monthly servicing fee 0.5%. The actual interest rate on the loan is 0-23․48%.

Devices with 0% prepayment, 0% service fee and 0% interest:

All Devices (05.11.2025 - 31.12.2025)

Term: 48 months - 0% prepayment, 0% service fee and 0% interest for the first 8 months. Annual nominal interest rate for the next 40 months 17%, monthly servicing fee 0.7%. The actual interest rate on the loan is 0-22.3%.

Devices with 0% prepayment, 0% service fee and 0% interest:

HONOR 400 Lite (15.10.2025 - 15.11.2025)

Learn more about credit terms here.

Phone: (+374 10) 510510, www.inecobank.am

Inecobank is supervised by the CBA.

Citizens (individuals) aged 21-65 are eligible for the credit.

Ameriabank

Credit term: 24-36 months - 0% prepayment, 0% service fee and 0-24% effective annual interest rate.

Learn more about credit terms here.

Phone: (+374 10) 561111 or (+374 12) 561111, www.ameriabank.am

Ameriabank is supervised by the CBA.

ACBA Bank

Credit term: 36 months - 0% prepayment, 21% interest rate, 0% service fee, 23.10%-23.40% effective annual interest rate.

Learn more about credit terms here.

Phone: (+374 10) 318888, www.acba.am

ACBA Bank is supervised by the CBA.

VTB Bank Armenia

Credit term: 36 months - 0% prepayment, 0% interest rate, 0.99% service fee, 0%-24% effective annual interest rate.

Learn more about credit terms here.

Phone: (+374 8000) 8787, www.vtb.am

VTB Bank Armenia is supervised by the CBA.