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Amonatbonk review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Amonatbonk is a direct lender in Tajikistan, and it suits borrowers who want quick funding after approval and freedom to settle early. Personal loans carry an APR of 24%, the term runs 36, and free early repayment is available, though applicants need employment, residence and guarantor documents.

Key facts

Best for
Borrowers wanting a personal loan with quick funding and no early repayment charge.
APR
24%↗
Loan amount
TJS 50,000↗
Term
36 months↗
Funding time
Same day as loan approval (within one working day)↗
Representative example
10,000 som for 2 years: 529 som monthly principal and interest, about 2,696 som total interest↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Passport copy, employment certificate and residence registration certificate, plus a guarantor's documents↗
Loan types
Personal, Secured, Credit-line, Car, Business↗
Legal entity
State Unitary Enterprise Closed Joint-Stock Company "Amonatbonk" (KVB DJT "Amonatbonk"), INN 010002120, MFO 350101626↗
Headquarters
Tajikistan↗
Founded
1885↗
Support channels
Email, Chat, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
amonatbonk.tj

Savings

Headline rate
13%↗
Minimum deposit
TJS 500↗
Access terms
3-year holding period; deposits accepted in cash and non-cash; passport copy plus account application required↗
Account kind
Fixed↗

Mortgages

Initial rate
14%↗
Fixed period
7 years↗
Maximum loan to value
70%↗
Purpose
Purchase↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
Google Play
Elsewhere
Wikidatafacebook.com

Pros and cons

Pros

  • Personal loans can be funded on Same day as loan approval (within one working day).
  • Free early repayment is available on the personal loan.
  • Lending covers personal, secured, credit line, car and business loans, with amounts up to TJS 50,000.
  • Support is available through email, chat and phone.

Cons

  • The personal loan APR is 24%, against a personal loan median of 14.43%.
  • Personal loan applicants must provide a guarantor's documents alongside their own employment, residence and identity documents.
  • The fixed deposit carries a holding period, so savings stay tied up for a set stretch.
Amonatbonk

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Scored 9.4 / 10 by SumCue.

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Who it suits

  • Applicants who already hold employment, residence and guarantor paperwork.
  • Borrowers who prioritise funding speed once a loan is approved.
  • People looking for personal loans they can settle early without charge.

Who should look elsewhere

  • Borrowers chasing a lower published APR may prefer Cashspace, whose APR is PHP 12 to PHP 36.
  • Borrowers comparing published rates below Amonatbonk's 24% may prefer Sofkredit, whose APR is 10.74% to 18.06%.
  • Borrowers after larger euro sums may prefer Creduma ES, whose amounts start at from €12,000.

Who runs it

It was founded in 1885. Customer support runs on email, chat and phone, so borrowers can reach the bank by email, chat, phone or the help centre.

How Amonatbonk compares

Where Amonatbonk is available

Available
Tajikistan
Licence in Tajikistan
Central Bank of the Republic of Tajikistan, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What is the personal loan APR?+

The personal loan APR is 24%, which sits above the personal loan comparison median of 14.43%. The term runs 36, so weigh the full cost of the credit against the length of the repayment before applying.

How quickly can a personal loan be funded?+

The bank states that funding happens on Same day as loan approval (within one working day). That timing starts once the loan is approved, so applicants still need to submit a passport copy, an employment certificate and residence registration documents, plus a guarantor's documents, before money moves.

Can I repay a personal loan early?+

Yes, free early repayment applies to the personal loan, which helps if income or planned spending changes before the loan runs its course. The term is 36 and the rate is fixed, so settling early removes months of payments.

What documents are required for a personal loan?+

Applicants need a passport copy, an employment certificate, a residence registration certificate and a guarantor's documents. The guarantor requirement narrows who can qualify, so it is worth checking that these supporting papers are ready before applying.

What fixed deposit is available?+

The fixed deposit runs on fixed terms with a headline rate of 13% and a minimum deposit of TJS 500. Access terms ask for a holding period, and deposits are accepted in cash and non-cash form, so savings stay tied up for a set stretch.

How can customers contact Amonatbonk?+

Support runs on email, chat and phone, so customers can reach the bank by email, chat, phone or the help centre. Borrowers can use those channels for questions about applications, repayments, the fixed deposit account or a mortgage.

Which financial authority is named for Amonatbonk?+

The regulator named for Amonatbonk in TJ is the Central Bank of the Republic of Tajikistan. The bank also describes itself as a direct lender through direct lender, lending to consumers and businesses rather than brokering other providers.

What mortgage terms are available?+

The mortgage side starts at an initial rate of 14% for a fixed period of 7, with a maximum loan to value of 70%, and the stated purpose is purchase. The rate type is fixed, which keeps payments predictable across the fixed period.

Which loans does Amonatbonk lend?+

The bank covers personal, secured and credit line lending, and the term on a personal loan runs 36. Personal loans can be funded on Same day as loan approval (within one working day), which suits borrowers who need cash quickly once approval and paperwork are in order.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check.

Amonatbonk

Amonatbonk

Borrowers wanting a personal loan with quick funding and no early repayment charge.

9.4/10See alternatives