Online credit

Online credit

Online credit enables you to make purchases from online shop (e-Shop) by paying with credit.


How to get online credit?



Visit Team e-Shop and choose smartphone and/or nice number and add to basket.



On order processing page, choose payment type "Credit" , click on "Apply" and apply for online credit by filling required fields.



After successful application you will get confirmation code to your phone number



Make an order by using confirmation code in "VTB code" field.

Nice numbers

Nice numbers

From now you can buy nice numbers in credit

Buy now


Get any smartphone on credit online!

Buy now


How to get an online credit?

Step 1: Visit , choose the smartphone/accessory  and/or nice number and add to the basket. Check the basket for correctness and click on "Buy".

Step 2: On the order page choose Credit as a payment method and click on "Apply for Credit".

Step 3: Fill in the required fields and send the request. Pay attention to the email that you provided, it's important to provide you active email address. You will have to verify your phone number by typing the verification code sent to the number.

Step 4: Bank specialist will contact you and verify the provided information

Step 5:
After successful verification and loan approval you will receive an SMS with promo code and credit limit that you will be able to spend only in

Step 6: Return to Your basket is active for 1.5 hours, in case you returned after 1.5 hours you will need to add the products in the basket again.

Step 7: IMPORTANT: On the Order Processing page fill in the phone number that was provided to Bank for credit approval.

Fill in all the required information and on the Payment Method section choose “Credit” and fill in the promo code received via SMS in the “VTB code” field. Click on Apply. Your basket will be deducted by the credit sum. Delivery and Tariff price required for number purchase is not covered by credit and need to paid either in Offices or Online. Click on “Send request” to send the order for processing.

Step 8: After successful processing our specialist will contact you for order delivery or pick-up and agreement arrangement.


What if I refuse to use the credit?

Credit is considered to be provided and valid only after receiving the product and signing the required documentation. In any other case you will not have any financial obligation. 

What if the approved credit limit is not covering the entire basket cost?

In case of partial payment’s coverage of the purchase amount, the occurred difference should be paid by any other available method (by cash or online transfer at service offices or to the courier upon delivery of the goods).

How to use the credit received?

You can use the credit provided by typing in the code received in the "VTB code" field in the Order processing page. Code is valid for 15 days upon receival.

How I can be informed about my request status?

After submission of necessary information, Bank specialists undertake to process your request and inform about the results in your personal online account, as well as by SMS notification to the number provided during registration, within next 24 hours (the exception may be non-working days of the Bank).

VTB registering guidline.

What can I buy with a credit in Team e-Shop?

You can buy any smartphone/accessory and/or any number available in Team e-Shop which value exceeds 30.000 AMD.

What are the credit terms?

Bank VTB Armenia examines your application and informs about the conditions and terms of loan, as well as the credit limit, in your personal online account: .