Manato

SF Azerbaijan

About this app

Manato — Online Consumer Loans

Manato is a mobile application for submitting loan applications and receiving consumer loans online in the Republic of Azerbaijan.

How to get a loan with Manato:
1. Install the Manato mobile application on your smartphone;
2. Register and create your user profile;
3. Choose the loan amount and repayment term;
4. Submit the application and wait for the decision;
5. If approved, review the loan agreement and sign it via SIMA;
6. Then receive the loan amount directly to your bank card.

You can apply for a loan through the Manato app from anywhere in Azerbaijan.
The service is available 24/7, including weekends and public holidays.

Loan conditions
• Loan amount: from 100.0 AZN to 500.0 AZN
• Loan term: from 91 to 180 days
Maximum annual interest rate: 185.34%
• Late fee up to 0.6% per day

Example:
A loan of 500.00 AZN for 120 days with an annual interest rate of 120.98%.
The total repayment amount is 647.50 AZN.
The annual interest rate depends on the loan amount and the loan term.

Transparent and secure
• No hidden fees or undisclosed charges
• The application may request optional access to certain devices and communication signals to improve the accuracy of credit risk and fraud assessment. All such data is processed solely for scoring purposes, is not shared with third parties, and is handled in accordance with applicable legislation.
• A loan is issued only after:
-- consent to personal data processing
-- identity verification
-- credit scoring assessment
-- review of the loan agreement
-- and signing via the enhanced SIMA electronic signature

Borrower requirements
• Age: 18–65 years
• Citizenship of the Republic of Azerbaijan
• An active mobile phone number and a valid bank card
• The SIMA application must be installed on the user's device

Privacy and data protection
• Manato processes personal data strictly with user consent and in accordance with the legislation of the Republic of Azerbaijan
• User data is protected and used solely for loan application and servicing purposes
• Detailed information is available in the Privacy Policy https://www.manato.az/privacypolicy

Customer support
For any questions, please contact Manato Customer Service:
[phone] (9:00 - 20:00)
[e-mail]

Manato.az is operated by SF Azerbaijan BOKT LLC,
License No. BKT-44 dated 24.12.2021,
VOEN 1405686861,
and operates in accordance with the legislation of the Republic of Azerbaijan.
Loan terms comply with Decision No. 46/2 dated 15.11.2024 of the Board of the Central Bank of the Republic of Azerbaijan:
https://e-ganun.az/framework/58303

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