banks.az review

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

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Our verdict

banks.az is a credit marketplace based in Azerbaijan that suits borrowers with a weaker credit file, offering personal, secured and debt consolidation loans at 8.9% to 18%. Terms of 3 to 60 and amounts of AZN 300 to AZN 50,000 suit anyone consolidating debts or funding a purchase on a limited credit score.

Key facts

Best for
Borrowers in AZ consolidating existing debts on a weak credit file.
APR
8.9% to 18% (Source, checked September 26, 2026)
Loan amount
AZN 300 to AZN 50,000 (Source, checked September 26, 2026)
Term
3 to 60 months (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Loan types
Personal, Secured, Debt-consolidation (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
City Group LLC (Source, checked September 26, 2026)
Headquarters
Azerbaijan (Source, checked September 26, 2026)
Founded
2008 (Source, checked September 26, 2026)
Support channels
Chat, Email (Source, checked September 26, 2026)
Official website
banks.az

Mortgages

Lender type
Marketplace (Source, checked September 26, 2026)
Legal entity
City Group LLC (Source, checked September 26, 2026)
Headquarters
Azerbaijan (Source, checked September 26, 2026)
Founded
2008 (Source, checked September 26, 2026)
Support channels
Chat, Email (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • Consumer loans priced at 8.9% to 18%, with the top of the range sitting below the 24.92% upper quartile for personal loans on the site.
  • Poor credit files are the stated target, as poor is the credit band, and 70.1% of bad credit lenders serve that same group.
  • Borrowing of AZN 300 to AZN 50,000 over terms of 3 to 60 covers both small sums and multi-year consolidation.

Cons

  • Support runs on chat and email only, while 85% of lenders on the site offer phone support.
  • As a marketplace lender (marketplace) the offers come from partner banks, so the rate at 8.9% to 18% is a starting point rather than a promise.
banks.az

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Scored 8.7 / 10 by BorrowCue.

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Who it suits

  • Borrowers with poor credit who want 3 to 60 to spread a consolidation loan.
  • People in AZ borrowing a small sum or a larger amount within AZN 300 to AZN 50,000.
  • Shoppers who want personal, secured and debt consolidation offers from partner banks compared in one place, as personal, secured and debt consolidation allows.

Who should look elsewhere

  • Monzo Flex, if you would rather deal with a single named lender quoting 10% to 23% than a marketplace of partner banks.
  • Cashspace ES, listed at 0%, which is the first place to check if the monthly cost decides it.

Who runs it

banks.az is operated by City Group LLC, which is based in Azerbaijan and has been running since 2008. Borrowers reach the company through chat and email, so help is given in writing or by live chat rather than on a phone line. Anything to do with an existing repayment goes through the same routes.

How banks.az compares

Where banks.az is available

Available
Azerbaijan

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

Frequently asked questions

What rate is charged on a banks.az consumer loan?+

Consumer loans are priced at 8.9% to 18%, the rate range shown for personal, secured and debt consolidation products. The personal loan category on the site has a middle rate of 12%, so this range sits below that site figure rather than above it.

What is the borrowing range and term?+

Borrowing runs AZN 300 to AZN 50,000, and terms run 3 to 60. That spread covers a small top-up and a larger consolidation loan repaid over years. Typical loan sizes on the site sit at €876.96, so the ceiling here is well above a normal request.

Can I apply with bad credit?+

Yes, poor credit is the level this product is aimed at, since poor is the stated credit band. Lenders in the bad credit category mostly serve that group, with 70.1% working with borrowers in it. Whether an offer is made still rests with the partner bank.

Is banks.az a bank, a broker or a marketplace?+

It is a marketplace, which is how marketplace describes the site. Offers come from partner lenders rather than from a single balance sheet. Across the personal loan category, 76.3% of lenders are direct lenders, so banks.az sits in the smaller group.

What kinds of loan are on offer?+

The range covers personal, secured and debt consolidation. Personal borrowing suits everyday needs, secured loans use an asset as backing, and debt consolidation loans roll several balances into a single repayment. Terms of 3 to 60 give room for a longer consolidation schedule.

How is borrower support handled?+

Contact runs through chat and email, so chat and email are the listed routes. There is no phone line listed for borrower questions, though 85% of lenders across the site do offer one. Repayment detail can be kept for the written channels.

How does it compare with Cashspace and Monzo Flex?+

Cashspace quotes PHP 12 to PHP 36 and Cashspace ES is listed at 0%, while Monzo Flex quotes 10% to 23%. The 8.9% to 18% range here has a lower ceiling than each of those, which matters if the size of the monthly repayment is the deciding factor.

Who is behind the site, and is it regulated?+

The legal entity is City Group LLC, based in Azerbaijan and founded in 2008, with contact through chat and email. No licence or regulator is listed for the site, so the party you deal with on an approved offer is the partner bank named on it.

Sources

  • banks.az/en checked September 26, 2026

    Backs: Founded, Lender type, Support channels

    “© 2008-2026, City Group LLC”

  • banks.az/en/contacts checked September 26, 2026

    Backs: Headquarters, Legal entity

    “Legal and actual address: AF Business House , 203 Nizami St., Baku 1010”

  • banks.az/en/products/credits/consumer-loans checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Loan types, Term

    “Cash loan Amount and term 300 - 50,000 AZN (Leobank)”

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

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

banks.az

banks.az

Borrowers in AZ consolidating existing debts on a weak credit file.

8.7/10See alternatives

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