Amonatbonk review

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

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Our verdict

Amonatbonk is a Tajik state bank offering personal, secured, car and business loans with a fixed rate and money the same day approval lands. It suits borrowers who want one bank across several loan types, though an APR of 24% is higher than the site median of 12%.

Key facts

Best for
Borrowers in Tajikistan who want a fixed rate, fast payout and several loan types under one bank.
APR
24% (Source, checked September 26, 2026)
Loan amount
TJS 50,000 (Source, checked September 26, 2026)
Term
36 months (Source, checked September 26, 2026)
Funding time
Same day as loan approval (within one working day) (Source, checked September 26, 2026)
Representative example
10,000 som for 2 years: 529 som monthly principal and interest, about 2,696 som total interest (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Passport copy, employment certificate and residence registration certificate, plus a guarantor's documents (Source, checked September 26, 2026)
Loan types
Personal, Secured, Credit-line, Car, Business (Source, checked September 26, 2026)
Legal entity
State Unitary Enterprise Closed Joint-Stock Company "Amonatbonk" (KVB DJT "Amonatbonk"), INN 010002120, MFO 350101626 (Source, checked September 26, 2026)
Headquarters
Tajikistan (Source, checked September 26, 2026)
Founded
1885 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
amonatbonk.tj

Apps and profiles

Get the app
Google Play
Elsewhere
Wikidatafacebook.com

Pros and cons

Pros

  • Fixed rate lending, so payments do not shift: fixed
  • Money arrives the same day as approval: Same day as loan approval (within one working day)
  • Early repayment is free, so you can clear the loan sooner
  • Personal, secured, car, business and credit line products: personal, secured and credit line

Cons

  • An APR of 24% is above the site median of 12%
  • A guarantor is involved, so someone else carries the risk if you cannot repay
  • Repayment runs to 36 months, longer than the site median of 36
Amonatbonk

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Scored 9.4 / 10 by BorrowCue.

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Who it suits

  • You need the cash quickly and can apply with a guarantor
  • You want one bank for a car loan and a business loan as well as personal borrowing
  • You prefer a fixed rate and the option to repay early at no cost

Who should look elsewhere

  • You want the cheapest rate on the table, since 24% is above the site median of 12%
  • You have no guarantor to support the application
  • You need a loan for longer than 36 months

How your money is protected

Amonatbonk is a direct lender, so the money comes from the bank rather than a broker, and the Central Bank of the Republic of Tajikistan supervises it. Its lender kind is direct lender. The representative example sets out the monthly principal and interest payment alongside the total interest charged over the term, and a guarantor is part of the setup.

The company behind it

Amonatbonk is a state unitary enterprise that operates as a closed joint stock company, headquartered in Tajikistan. Its history runs back to 1885, which suits borrowers who prefer an established institution rather than a new app. You can reach it through email, chat and phone for questions before or after applying.

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 rate does Amonatbonk charge?+

Amonatbonk lends at a fixed rate of 24% APR on its personal loan. That sits above the site median of 12%, so cheaper options exist. A fixed rate means the figure does not change during the loan.

How much can I borrow and for how long?+

Personal loans run up to TJS 50,000 and are repaid over 36 months. The length is longer than the site median term of 36 months, so check that the monthly figure fits your budget.

How fast do I get the money?+

Funding is Same day as loan approval (within one working day), so the money can arrive as soon as the loan is approved. Amonatbonk also lists same day funding as one of its features, which suits anyone facing an urgent payment.

What do I need to apply?+

Eligibility asks for a passport copy, an employment certificate and a residence registration certificate, plus documents from a guarantor. A guarantor is therefore part of the application, so someone else will be involved in the loan.

Can I repay the loan early?+

Free early repayment is offered, so you can clear the balance before the final payment without a charge. Most of the brands we list also allow it, and fixed rate lending means the cost is known in advance.

Which kinds of loan are available?+

The range covers personal, secured and credit line, so the same bank can handle a personal loan, a secured loan, a car loan, a business loan or a credit line. That suits people who may want a second product later.

How is the bank regulated?+

Amonatbonk is supervised by the Central Bank of the Republic of Tajikistan in Tajikistan, and the lender kind is direct lender, meaning the bank funds the loan itself rather than passing you to a broker.

How do I contact the bank?+

Support runs through email, chat and phone, so you can phone, email or use the help centre, with live chat as well. Phone is the quickest route for questions about an application you have already sent.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check.

Amonatbonk

Amonatbonk

Borrowers in Tajikistan who want a fixed rate, fast payout and several loan types under one bank.

9.4/10See alternatives

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