Payments

Early repayment

• The borrower can repay the loan early, in whole or in part, without penalty.
  In case of early repayment, together with the principal amount, the borrower’s total cost of crediting (interest charges, other fees) is proportionally reduced, except for the cases when the payer gives a different written instruction. Damages and other fees paid for non-fulfillment or improper fulfillment of obligations stipulated by RA law and contract are not deducted, and fees defined by Article 15 of the RA Law “On Consumer Crediting”. When repaying the loan in full early, the borrower pays the service and other fees, interest, principal amount calculated as of the given day.
• Payments for future months can be made in advance by submitting a written order. The repayment of each future month is made in the following order:

  1) service and other fees,

  2) interest fees,

  3) principal amount.

• Payments are made in the following order:

  1) Penalty (if any exists)

  2) Service fee

  3) Interest amount,

  4) Principal amount.

• Dear costumers, in case of having one or more credit obligation at “Ayo” UWC CJSC, the payments made, regardless of the requirement which is specified in the obligation’s purpose field or indicated to the employee, will be primarily directed to the repayment of the overdue obligation.
  ARMECONOM BANK: OJSC 163006776773
  ACBA BANK: OJSC 220559690106000
  ARDSHIN BANK: OJSC 2474402752350010
  The customer can make the payments of the credit obligation both in our branches and through TELCELL and Easy Pay payment terminals. Requirement http://ayo.am/