"Lombard Express" Open Joint-Stock Company has been registered for tax purposes since 30.03.2011.

We provide an opportunity for our clients to obtain loans on more favorable terms, tailored to their individual needs. Lombard Express offers a more flexible and easier alternative compared to traditional bank loans. With us, you can address your financial needs without facing high interest rates and complex procedures.

Our Services:

Advantages: With Lombard loans, our clients can obtain credit with just their ID card, without any additional guarantees or official employment requirements. The terms we offer are more favorable compared to banks and other lending institutions.

Our Goal: Our main goal is to ensure that our clients can quickly and easily access the financial support they need. In the Lombard loan system, we offer proposals without looking at the MKR (Financial Credit Risk) history, making it an advantageous option for private sector employees, freelancers, and those with low payment capacity.

Collateral and Loan Ratio: We offer higher loans based on the collateral provided by our clients. For example, for loans above 20,000 manats, the collateral ratio can be over 250%, ensuring that our clients receive more financial support.

Our Advantages:

• Simple and Transparent Terms: Lombard loans are available without complicated procedures, making it easier and faster to obtain credit.
• No Employment or Guarantor Requirement: No official employment or guarantor is needed, simplifying the loan process.
• Competitive Interest Rates: We offer lower interest rates for Lombard loans, providing our clients with more affordable financial support.
• Licensed Activity: As an International BOKT, our operations are fully legal and licensed, allowing us to offer secure and reliable credit services.

With us, meet your financial needs in a more comfortable, flexible, and transparent way. Lombard loans make your financial life easier and more affordable.