The TBC Consumer Loan is an unsecured cash loan that customers can use for any personal purpose, from home repairs to medical bills. Interest rates start from roughly 13% in GEL, with foreign-currency options from about 10.3% in USD and 8.9% in EUR.

The loan can be requested digitally through the TBC mobile app, where eligible clients receive a pre-approved offer in about two minutes, or arranged at a branch. Repayment terms and the exact rate are confirmed individually at approval based on the client’s profile.

What's good

  • Available digitally in about two minutes for pre-approved clients
  • No collateral required

Trade-offs

  • Final rate depends on individual credit profile
  • Unsecured rates higher than secured loans