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Spitamen Bank review

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

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Our verdict

Spitamen Bank lends in Tajikistan at 15% to 25% on TJS 1,000 to TJS 150,000 personal loans, with free early repayment and a 13.5% mortgage for purchase. It suits citizens with a salary record who want a fixed rate, not borrowers chasing the lowest cost.

Key facts

Best for
Fixed rate personal borrowing in Tajikistan with free early repayment and in person collection.
APR
15% to 25%↗
Loan amount
TJS 1,000 to TJS 150,000↗
Term
1 to 48 months↗
Funding time
Application decision usually takes 24 to 72 hours; the amount is collected at the bank's service points↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Citizen of the Republic of Tajikistan, age not less than 18 and not more than 65, with 6 months of salary records↗
Loan types
Personal↗
Legal entity
Open Joint-Stock Company Spitamen Bank↗
Headquarters
Tajikistan↗
Founded
2008↗
Support channels
Email, Phone↗
Pricing model
Fixed rate
Official website
spitamenbank.tj

Mortgages

Initial rate
13.5%↗
Fixed period
0.25 to 15 years↗
Maximum loan to value
80%↗
Purpose
Purchase↗

Debit cards

Monthly fee
TJS 0↗
Currency conversion fee
0%↗
Card type
Debit↗
Card network
Visa↗

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaXLinkedInfacebook.com

Pros and cons

Pros

  • Fixed rates on personal loans of TJS 1,000 to TJS 150,000, so the monthly cost does not drift with the market.
  • Free early repayment, so a balance can be cleared ahead of schedule at no cost.
  • A debit card on the visa network with a TJS 0 monthly fee and a 0% currency conversion fee.
  • A 13.5% mortgage rate for purchase with fixed periods of 0.25 to 15.

Cons

  • Help runs on email and phone only, so a live application question means a call or an email.
  • Repayment terms stop at 1 to 48, well short of the 480 longer lending found on the site.
  • Consumer credit is fixed at 15% to 25%, above the 7.85% lower end of personal loan pricing across the site.
Spitamen Bank

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Citizens of the Republic of Tajikistan who are adults and hold a salary record the bank recognises.
  • Homebuyers after a fixed period of 0.25 to 15 on a purchase mortgage.
  • Day to day spenders who want a debit Visa card with a TJS 0 monthly fee.

Who should look elsewhere

  • Borrowers after a cheaper ceiling rate, since Sofkredit's 10.74% to 18.06% tops out below Spitamen Bank's 15% to 25%.
  • Euro borrowers, since Creduma ES lends from from €12,000.
  • Anyone set on Cashspace, whose PHP 12 to PHP 36 band also starts below 15% to 25%.

How Spitamen Bank compares

Where Spitamen Bank is available

Available
Tajikistan
Licence in Tajikistan
Central Bank of the Republic of Tajikistan (0000001), checked September 26, 2026

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

Frequently asked questions

What rate do Spitamen Bank personal loans charge?+

Consumer credit runs at 15% to 25% and is fixed, listed as a fixed rate product. The band is wide, so the rate on an individual offer depends on the borrower, and it starts at the 15.5% median for personal loans across the site rather than below it.

How much can I borrow, and for how long?+

Consumer loans cover TJS 1,000 to TJS 150,000 over terms of 1 to 48. That is a generous spread, but the top of the range is modest beside the €400,000 seen elsewhere on the site, so bigger sums mean a different lender.

Who can borrow from Spitamen Bank?+

The consumer credit is open to citizens of the Republic of Tajikistan within the bank's stated age range who can show a salary record. It is personal lending from a direct lender, so there is no separate guarantor or bridging route offered.

Is Spitamen Bank regulated?+

Yes. Spitamen Bank holds a banking licence from the Central Bank of the Republic of Tajikistan, and it is a direct lender based in Tajikistan, so the money moves through a licensed bank rather than an investment platform.

How quickly do I get the money?+

Applications for its personal loans are usually decided within a few days, and the amount is collected at the bank's service points rather than paid into an account. Plan for a branch visit and bring the salary records the bank asks for.

Can I repay a loan early?+

Early repayment is free here, so there is no exit charge for clearing the balance ahead of schedule. Paired with fixed pricing across 1 to 48, that suits anyone who wants to shorten the loan as their income improves.

What does the mortgage cost?+

Mortgages start at a 13.5% rate for purchase and can run a fixed period of 0.25 to 15, with borrowing up to 80% of the property value. That ceiling means buyers fund the rest of the price from savings.

What does the Visa Classic card cost to hold?+

The card is a debit on the visa network with a TJS 0 monthly fee and a 0% currency conversion fee. It reads as a plain everyday spending card rather than one built around rewards or travel perks.

How do I reach the bank for help?+

Support runs on email and phone, so a call or an email is the route to an answer. No live chat or community is listed, which suits borrowers who would rather put a loan question in writing.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check, Representative example.

Spitamen Bank

Spitamen Bank

Fixed rate personal borrowing in Tajikistan with free early repayment and in person collection.

8.9/10See alternatives