Yes. You can pledge/leave your gold jewelry free of charge and take the loan later when you will need money.
MAKE YOUR GOLD
Keep your gold in a secured place. Download our mobile application and have instant access to finance anytime you need money.
|Gold purity / Price per gram|
|333 / 7,850 Dram|
|375 / 8,850 Dram|
|400 / 9,400 Dram|
|416 / 9,800 Dram|
|500 / 11,800 Dram|
|550 / 12,950 Dram|
|585 / 13,800 Dram|
|705 / 16,600 Dram|
|750 / 17,700 Dram|
|840 / 19,800 Dram|
|875 / 20,600 Dram|
|900 / 21,200 Dram|
|916 / 21,600 Dram|
|958 / 22,600 Dram|
|999 / 23,550 Dram|
"DIGISAFE" is a fintech credit organization that provides gold pledged consumer loans via mobile application. Gold pledged evaluated and with that amount, a loan limit opened for a client, who can take the loan remotely at any time, by one or several withdrawals. The client can repay the loan or part of the loan anytime, save interest and take the loan again when needed. Once the loan agreement is expired, a client can retake the new loan remotely, at any time using the same pledge.
Transform your gold to
the loan only when you need money.
You have gold jewelry but you don't need a loan now? Then keep your jewelry with us, insecure place, free of charge, and get the loan limit on your mobile. Take the loan via mobile application only when you need money, if not, take your gold jewelry back whenever you wish.Explore services
Travel with no worries
having ready cash in your pocket
You want to travel, but thinking where to keep your gold jewelry? Secure your gold jewelry with us free of charge and travel with no worries. Take an instant loan when you will need money abroad.Explore services
Take a look at some interesting facts about Gold
Make repayments, save interest
retake loan again.
Repay the loan, or part of the loan, save interest and retake the loan, remotely as many times as you wish. Our product works like revolving lines of credit. You can repay the loan whenever you don't need money and you can retake the loan whenever you need money again. You will pay interest only for the days you used the loan.Payment channels
You can make interest and loan repayments using following options
Free of charge
• Mobidram terminals
• Mobidram e-wallet
• Mobidram service centers
• EasyPay e-wallet, terminals, service centers
• Idram e-wallet, terminals, service centers
• Telcell e-wallet, terminals, service centers
• Credit 3DSecure Cards via our application (V-pos system)
Take the loan in one of
the several channels
The client can take the loan via mobile application by choosing one of the following channels
1. Credit Cards
2. Electronic wallets
3. Cobranded Cards
Our Customer's feedback
Can I pledge but take the loan later?
Where my gold jewelry are kept? Is it safe?
Gold jewelry and other pledged items are kept in a bunker built with security control standards of Central Bank and with 24 hours video surveillance system. Yes, it is absolutely safe.
Can I take my jewelry back, anytime I wish?
Yes. You can order the jewelry via mobile application anytime you wish and take it back if the loan limit for that item is not used.
Can I change my pledge?
Yes. You can change your pledge with an equivalent pledge anytime you wish.
Should I pay penalty if I delay my monthly interest payment?
No. There is no penalty charged for late payment, however, if the payment is overdue more than 90 days the pledge will be sold to close your interest and loan obligation.
What is the minimum and maximum amount of the loan/pledge?
The minimum amount of the loan should be not less than 2,000 Dram and the maximum amount of the loan should not exceed 11 mil Dram. However, the pledge amount should not be more than 11,5 mil Dram.
How can I make my monthly interest payments?
You can make your monthly interest payments by credit card, via bank transfer, or via cash terminals.
Can I choose the interest payment day myself?
Yes. You can choose a convenient monthly interest payment day via a mobile application.
Who are the clients of "DIGISAFE"?
The DIGISAFE clients are individuals who are actively using mobile applications, have cash flow gaps, appreciate freedom, flexibility, and saving, love traveling, and prefer to keep gold in a secured place.
What is the maximum loan/amount for e-wallets?
By one transaction, you can transfer a maximum 1mil AMD loan to your electronic wallet, as based on Central Bank regulations the maximum outstanding amount in any electronic wallet can not exceed 1 mil AMD.
Can I extend my loan via mobile?
Yes. When the loan is expired you can extend/take the new loan remotely via mobile application.
If there is no outstanding obligation can my family member take my pledge back?
No. Only clients can take their pledge back unless there is a notarial authorization granted by a client to the other person to take their pledge instead.
Do you have any monthly service fee or other fees?
No. There is no monthly service fee or any other fee charged to the client. However, there can be one-time charges from the third parties depending on which loan receiving channel the client will choose.
How many times can I repay and retake the loan again?
Within the loan limit, you can take the loan or parts of the loan and close the loan or part of the loan unlimited times, whenever you wish.
Can I take the loan from abroad?
Yes. You can take your loan from any country you wish, for that you need to activate roaming on your mobile to get SMS for confirmation and complete transaction. After that, you can continue by Wi-Fi.
How long does the whole process take?
You can download the mobile application in advance to save time, however, even if you don't, the whole process of pledging and getting a credit limit on your mobile will take several minutes.
Where can I contact the support team?
You can contact our support team 24/7 using the chat on this website or calling +37412585999.
Where are you located? When are your working days/hours?
We are located in Yerevan,17/1 Erebuni street in "Erebuni Mall" and operating all days of the week from 10:00 to 22:00.
Can I repay the loan at the end of contract time?
Yes. You can repay the loan at the end of the contract or you can choose to extend it. However, you can also repay the loan or part of the loan with no penalties anytime you wish.
Who is controlling "DIGISAFE"?
Central Bank of Armenia controlling and supervising "DIGISAFE".
All your questions
are important to us.
Can I take a loan if I am in a black list?
Yes, you can take a loan even if you are in a black list or have delays with other banks or financial institutions.
Can I take loan if I am 18 years old?
Yes. You can take the loan starting from 18.
Can I pledge only diamonds?
No. You can pledge diamonds, which are in the gold jewelry.
What is the maximum amount of items that I can pledge?
The maximum amount of pledge items should not be more than 11,5 mil Dram. However, if it is one piece of gold it can be more than 11,5 mil Dram.
Can I pledge silver? or other precious metal?
No. You can pledge only gold, including white gold.
What if the international gold price increases?
If the international price of gold significantly increases, we will re-evaluate the pledge accordingly and in parallel increase the credit limit in the application.
What if the international gold price decreases?
If the international price of gold significantly decreases, we will re-evaluate the pledge accordingly and in parallel decrease the unused credit limit in the application.
How many days of delay of payments are registered?
Even if you delay one day to make interest/loan payment from the due day, your data will be registered in your credit history and your data will be submitted to credit bureau/Central Bank.
What will happen if I don't pay the due amount for more than 90 days?
If you do not pay all the due interest or loan amount for more than 90 days, than your pledge will be sold to cover your loan and interest obligation.
What if you get more money after selling my pledge?
After closing all obligations, 10% of the extra amount, if any, but not more than 50,000 Dram, will be charged for covering carried selling expenses, then the rest of the amount will be given to the client.