Quick Look

You don’t have to use your savings or you don’t need a collateral, in times of emergencies or to meet your different requirements. We offer AYA Personal loan, a short-term loan, for customers using our payroll service. Our hassle-free, online application process helps you apply for personal loan instantly within minutes.


Loan Amount MMK 300,000 to MMK 20,000,000
Loan Tenor minimum 1 month to maximum 12 months
Interest Rate 14.5% per annum
Application Fees MMK 5,000


Receiving monthly salary to your AYA Bank deposit account.

Minimum income of MMK 300,000 per month

Minimum working experience (1) year at present job or (2) years at previous job

Required Documents

Basic Personal Documents

  • NRC
  • Household Member List
  • Original Testimonial Letter from Ward Administration Office(or)
    Receipt of Meter Bill in Applicant’s Name (Recent 3 Months)(or)
    Receipt of Meter Bill in Applicant’s Family Member Name (Recent 3 Months)

Income Documents

Salaried Employee

  • Salary Slip (Recent 3 Months)
  • Employment Recommendation Letter

How to apply

Find more about AYA Personal Loan at