How it Works

1. User Registration

• App Download: Download the OnePoint app.
• OTP Verification: Confirm email and mobile number.
• Password Setup: Create a secure password.

2. Loan Application Process

We are committed to transparency and privacy. Below are the types of information we collect for a seamless user experience and efficient service delivery:

• KYC Completion: Biometric verification via SİMA.
• Permission Grant: Authorize data check and storage.
• Processing Wait: Await eligibility confirmation.
• Offer Review: Select from loan offers.
• Card Information: Enter card details for loan transfer.
• E-sign Agreement: Electronically sign the loan agreement.

3. Loan Details and Conditions

• Eligibility: Azerbaijani citizens aged 20-65.
• Loan Durations: 2 to 12 months (61 - 360 days), contingent on loan amount.
• Interest Rates: Varied, with specific calculations provided per loan amount and duration. Maximum 36%.