Spitamen Bank review

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

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Our verdict

Spitamen Bank lends directly in Tajikistan, offering fixed-rate personal loans at 15% to 25% over terms of 1 to 48. It suits borrowers who want to deal straight with a bank licensed by the Central Bank of the Republic of Tajikistan, or who want a purchase mortgage at 13.5%.

Key facts

Best for
A fixed-rate personal loan or a purchase mortgage from a locally licensed bank.
APR
15% to 25% (Source, checked September 26, 2026)
Loan amount
TJS 1,000 to TJS 150,000 (Source, checked September 26, 2026)
Term
1 to 48 months (Source, checked September 26, 2026)
Funding time
Application decision usually takes 24 to 72 hours; the amount is collected at the bank's service points (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
Citizen of the Republic of Tajikistan, age not less than 18 and not more than 65, with 6 months of salary records (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
Open Joint-Stock Company Spitamen Bank (Source, checked September 26, 2026)
Headquarters
Tajikistan (Source, checked September 26, 2026)
Founded
2008 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
spitamenbank.tj

Mortgages

Initial rate
13.5% (Source, checked September 26, 2026)
Fixed period
0.25 to 15 years (Source, checked September 26, 2026)
Maximum loan to value
80% (Source, checked September 26, 2026)
Purpose
Purchase (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Open Joint-Stock Company Spitamen Bank (Source, checked September 26, 2026)
Headquarters
Tajikistan (Source, checked September 26, 2026)
Founded
2008 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaXLinkedInfacebook.com

Pros and cons

Pros

  • Free early repayment, so a balance can be cleared ahead of schedule.
  • Fixed rates on personal loans, with a rate of 15% to 25% and a term of 1 to 48.
  • A direct lender, so borrowing runs straight through the bank rather than a broker.
  • Licensed by the Central Bank of the Republic of Tajikistan under 0000001.

Cons

  • Rates of 15% to 25% sit above the site APR figure of 12%.
  • Funding time is not instant: a wait for the decision, then collection at a service point.
  • Support runs on email and phone only, with no live chat listed.
Spitamen Bank

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Borrowers in TJ who want a fixed-rate personal loan straight from the lender.
  • Applicants who can reach a service point to collect the money after the decision.
  • Homebuyers financing a purchase at 13.5%, with lending capped at 80%.

Who should look elsewhere

  • Borrowers who want a rate under 15% to 25%, since Cashspace ES charges 0%.
  • Applicants pricing a lower floor, where Monzo Flex charges 10% to 23%.
  • Applicants borrowing outside TJ, since the listed products cover a single market.

Safety and regulation

Spitamen Bank is a direct lender, so the contract sits with the bank rather than with a broker or a marketplace. It holds a licence from the Central Bank of the Republic of Tajikistan under 0000001, and that licence is the register to check before you sign.

Who runs it

The lender is Open Joint-Stock Company Spitamen Bank, headquartered in Tajikistan and founded in 2008. Contact runs through email and phone only, with no live chat listed, and the Central Bank of the Republic of Tajikistan licence under 0000001 covers the whole bank rather than one product line.

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 I pay on a personal loan?+

The quoted rate is 15% to 25% and it is fixed, so the monthly cost does not move with market rates. That is a direct lender's own price rather than a broker's mark-up, and it sits above the site APR figure of 12%. Read the written offer before you commit.

How much can I borrow and over what term?+

Amounts available are TJS 1,000 to TJS 150,000, with terms of 1 to 48. A shorter term means a higher monthly cost, while a longer term spreads it but raises the total repaid. Treat the published range as the outer limit the bank works within.

Can I repay the loan early?+

Free early repayment is offered, so a balance can be cleared ahead of the agreed 1 to 48 with no stated charge. Ask the bank how a part payment is split between principal and interest, and keep that answer in writing before you send money.

What does the mortgage cost?+

A mortgage starts at an initial rate of 13.5%, runs for a fixed period of 0.25 to 15 and is offered for purchase, with lending capped at 80%. The fixed period holds the rate for that stretch, so ask what applies once it ends.

Is Spitamen Bank regulated?+

It is licensed by the Central Bank of the Republic of Tajikistan under 0000001. Quote that reference if you want to check supervision, and read the rate and term on any written offer, since a supervised lender still sets its own price.

How long does a decision take and how do I get the money?+

Funding time is not instant. An application decision usually comes after a short wait, and the amount is then collected at the bank's service points. For a personal loan of TJS 1,000 to TJS 150,000 over 1 to 48, allow time for both the decision and the visit.

How do I contact the bank?+

Support runs on email and phone, so you reach the bank by phone or email, with no live chat listed. Rate questions, application status and complaints all go through those channels, and the bank sits in Tajikistan.

What kinds of loans are on offer?+

Personal loans are the listed product, offered as personal through direct lender lending. The rate type is fixed and the model is fixed rate, so the repayment schedule stays put during the term instead of shifting with market rates.

Sources

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

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

Related by the facts

Spitamen Bank

Spitamen Bank

A fixed-rate personal loan or a purchase mortgage from a locally licensed bank.

8.8/10See alternatives

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