Car leasing and gold pawn loans: FAQ
The most common questions about car leasing and gold-backed pawnshop loans.
Car leasing questions
In car leasing, Rahat Capital purchases your chosen vehicle and provides it to you for monthly payments. Once all payments are completed, the car is officially transferred to your name. Leasing is not a loan: during the lease, the car remains the company's property. More: Car leasing →
No, car leasing is not a loan. The right of use, payment terms, and transfer of ownership are governed by the leasing agreement. During the lease period, the vehicle remains the property of the leasing company.
No. At Rahat Capital, car leasing requires a down payment of at least 30% of the car's price. The larger the down payment, the lower the monthly instalments.
Yes, both new and used cars are available for leasing at Rahat Capital. The condition and market value of a used car are assessed before finalizing the terms. This allows you to choose any vehicle that fits your budget.
At Rahat Capital, leasing and pawn loan payments follow an annuity schedule: the monthly payment stays the same for the whole term, which makes budgeting easier. Interest is charged monthly on the remaining balance.
The monthly payment is calculated from the vehicle price, down payment, lease term and rate on an annuity schedule; interest is charged monthly on the remaining balance. A full payment schedule is provided before signing the agreement. You can also use our website calculator for an estimate.
The requirement for a guarantor and other conditions are determined after individual assessment of your application. Contact our specialists for exact requirements.
The main document is your ID card; proof of income may also be required. The exact document list varies depending on your financial situation and chosen vehicle. Our specialists will provide the complete list upon application.
During the lease period, the vehicle remains Rahat Capital's property, while you use it fully. Once all payments are completed, the car is officially transferred to your name. This is the standard leasing procedure.
With leasing, the car remains the leasing company's property until the end of the term; with a bank loan, the car is registered in your name immediately but serves as collateral. Leasing typically offers more flexible terms and simpler documentation.
Rahat Capital MMC provides car leasing services in Baku. Visit our office at 163 Salatin Asgarova str., Nasimi district, call us, or message us on WhatsApp.
Leasing is available for 3 to 36 months; the car price can be from 10,000 to 200,000 ₼. The down payment is at least 30%.
A decision on your application is usually made within a few hours.
Yes, early repayment is possible. Just call us or message us on WhatsApp.
No, cars intended for taxi use are not leased.
Gold pawn loan questions
Only your ID card and gold items are required. No additional documents, income statements, or guarantors are needed. At Rahat Capital, a decision is made within minutes. More: Gold pawnshop →
Rahat Capital accepts all gold items from 585 to 999 purity — rings, earrings, bracelets, chains, ingots and more. The purity and weight are verified with professional equipment in your presence.
The value is calculated based on the current market price, net weight, and assessment results. Rahat Capital lends up to 95% of the gold's market value. Use our website calculator for an indicative estimate.
Rahat Capital provides a loan of up to 95% of the gold's market value. The final amount is confirmed after the purity and net weight are determined.
Yes, a gold pawnshop loan requires no guarantor, as the gold itself serves as collateral. Only your ID card is required. No income statements or workplace documents are needed.
After the gold is assessed, a decision is made within minutes. Once the terms are confirmed and the agreement is signed, funds are provided immediately.
Electronics — yes: phones, laptops, tablets and other electronics, 50–60% of market value, from 200 to 10,000 ₼, for up to 12 months. Ordinary wristwatches and cars are not accepted as collateral.
Yes, a pawnshop loan lets you receive cash without selling your gold. Once the loan is fully repaid, your gold is returned to you. At Rahat Capital, you can get up to 95% of the market value for gold of 585–999 purity.
You can get up to 95% of the market price per gram. The price per gram depends on the gold's purity and the current market price. You can view current indicative prices in our gold calculator on the website. The final amount is calculated after physical assessment.
Yes, Rahat Capital strictly maintains customer confidentiality. Personal data and transaction details are used solely for service processing and are not shared with third parties.
Yes. Pledged gold is insured and stored in secured vaults. Once the loan is fully repaid, your gold is returned in the same condition. Customer confidentiality is protected.
From 200 to 50,000 ₼, for 1 to 36 months. The amount depends on the purity, weight and market price of gold on the day — up to 95% of market value.
Yes, pledged gold is insured and kept in secured safes.
Rahat Capital pays off the old loan. Your gold is then pledged with Rahat Capital under a new agreement.
Still have questions?
Our specialists are ready to help you.