YOUR CONCEPTUAL FINANCIAL PARTNER

We offer agricultural, consumer, energy-efficiency loans

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LOANS FOR DIFFERENT PURPOSES

Agriculture, consumer, energy-efficient loans from us

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SUBSIDIZED AGRICULTURAL LOANS

Develop your agricultural business with our subsidized loans

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Start your agricultural business

Get a loan for your first steps in the agricultural sector

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500,000 AMD 12 months 15 %

Why Choose Us

About Us

About Us

Aiming to say a “new word” in the financial market, the Company has developed and implemented new, conceptual service approaches, allowing it to meet the needs of its customers in a new way.

Our services

Our services stem from our core values and aim to make an individual's life more comfortable, and business sustainable and continuously developing.

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News

Team Retreat at Credit Concept

Team Retreat at Credit Concept

20/04/2026

On February 28, "Credit Concept" UCO CJSC team gathered for a team retreat to mark the beginning of a new phase of development. The day passed in an o...

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Loans: Why is it important to use them for the right purpose?

Loans: Why is it important to use them for the right purpose?

08/11/2025

Loans are crucial financial tools for achieving various goals, whether it is expanding a business, purchasing real estate, or financing an education. ...

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Smart Loan: The Basic Rules of Financial Literacy

Smart Loan: The Basic Rules of Financial Literacy

08/11/2025

When it comes to loans, financial literacy becomes not just an advantage, but a necessity. We at Credit Concept believe that everyone should...

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The "Echmiadzin" Branch of Credit Concept UCO CJSC Has Opened

The "Echmiadzin" Branch of Credit Concept UCO CJSC Has Opened

01/07/2025

On June 27 the official opening of the 2nd branch of Credit Concep" Universal Credit Organization Closed Joint-Stock Company took place in the Ar...

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“Credit Concept” UCO CJSC is supervised by the Central Bank of Armenia.

The Company bears no responsibility for the accuracy and reliability of the content of other websites linked on its website, nor for any advertisements placed on those sites.

In case of any discrepancy between the Armenian and English versions of the information published on the website of “Credit Concept” UCO CJSC, the Armenian version shall prevail.

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