AYA Bank review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

AYA Bank lends direct at an annual rate of 14.5% on terms of 1 to 12. It suits salaried customers who already bank with AYA Bank, since pay must arrive in an AYA account, and it suits few others given a hard credit check.

Key facts

Best for
Salaried customers of AYA Bank borrowing over a short window.
APR
14.5% (Source, checked September 26, 2026)
Loan amount
MMK 300,000 to MMK 20,000,000 (Source, checked September 26, 2026)
Term
1 to 12 months (Source, checked September 26, 2026)
Arrangement fee
MMK 15,000 (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Monthly salary paid to an AYA Bank deposit account or wallet; minimum income MMK 300,000 per month; minimum 2 years working experience (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
Ayeyarwady Bank Public Company Limited (AYA Bank PCL) (Source, checked September 26, 2026)
Headquarters
Myanmar (Source, checked September 26, 2026)
Founded
2010 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre, Chat (Source, checked September 26, 2026)
Official website
ayabank.com

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • Lends direct at an annual rate of 14.5% on amounts of MMK 300,000 to MMK 20,000,000, with terms of 1 to 12.
  • Arranged by the bank itself rather than a broker, direct lender.
  • Support runs on phone, email and help centre for account and loan questions.
  • Regulated by the Central Bank of Myanmar, and the lender has traded as Ayeyarwady Bank Public Company Limited since 2010.

Cons

  • Terms run only 1 to 12, so the balance has to clear quickly.
  • An origination fee of MMK 15,000 sits on top of the rate of 14.5%.
  • Applications use a hard credit check, hard, which is recorded against your file.
AYA Bank

Ready to try AYA Bank?

Scored 8.9 / 10 by BorrowCue.

See alternatives

Who it suits

  • Salaried customers whose monthly pay is paid into an AYA Bank deposit account or wallet.
  • Borrowers after a sum in the MMK 300,000 to MMK 20,000,000 range who can meet a minimum income and a minimum length of employment.
  • Customers of a lender based in Myanmar who are comfortable with a hard credit check, hard.

Who should look elsewhere

  • Not Monzo Flex, whose 10% to 23% undercuts the rate AYA Bank lists.
  • Not Cashspace, whose PHP 12 to PHP 36 is quoted in a different currency to the MMK 300,000 to MMK 20,000,000 AYA Bank lends.
  • Not Cashspace ES, which shows 0% without the salary and deposit conditions AYA Bank sets for its own loan.

How AYA Bank compares

Where AYA Bank is available

Available
Myanmar
Licence in Myanmar
Central Bank of Myanmar, checked September 26, 2026

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

Frequently asked questions

What rate does AYA Bank charge on a personal loan?+

The listed annual rate is 14.5%, set by AYA Bank as a direct lender rather than through a broker, direct lender. Personal is the only loan type listed on the borrowing page, personal, so the same rate framework covers everything on offer.

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

Loan sizes run MMK 300,000 to MMK 20,000,000 and terms are 1 to 12, which is short next to the 60 upper end of typical terms on the comparison. Anyone needing a longer repayment window has to look elsewhere.

What fees are charged?+

An origination fee of MMK 15,000 is attached to the personal loan, alongside the rate of 14.5%. Total cost therefore depends on how much you borrow over a term of 1 to 12 and how quickly you clear it.

Who is eligible to apply?+

Eligibility rests on a monthly salary paid into an AYA Bank deposit account or wallet, a minimum income and a minimum length of working experience. Applicants whose pay lands elsewhere, or who have no such payroll trail, fall outside the stated criteria.

What credit check is used?+

Applications use a hard credit check, hard, so a search is recorded against your file. That suits a bank taking a direct view of your credit history, and fits borrowers with a clean record rather than those hoping for a soft pre-qualification.

Who is behind the lender, and who regulates it?+

The lender is Ayeyarwady Bank Public Company Limited, trading as AYA Bank, with its headquarters in Myanmar. It has been a public company since 2010, and the licence it holds is with the Central Bank of Myanmar.

How does support work for borrowers?+

Support runs on phone, email and help centre, covering phone, email, a help centre and live chat. That range matters here because eligibility depends on holding an AYA Bank account, so most questions stay with the same bank that holds the deposit.

How does the rate compare with other personal loans?+

The listed 14.5% sits above the 12.25% median for personal loans and above the 6.13% lower quartile, with a rank on rate of 211 out of 350. Cost is the weaker side of this profile.

Sources

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time, Representative example.

Related by the facts

AYA Bank

AYA Bank

Salaried customers of AYA Bank borrowing over a short window.

8.9/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings