For Private Clients

Refinancing

Interest rates:

Interest rate (%) - 22*; Currency - KGS; Minimum amount - 20000; Maximum amount - 1000000; Minimum period, months - 1; Maximum period, months - 60; Calculate at the current exchange rate (Y/N) - ;

Light loan

Interest rates:

Interest rate (%) - 20*; Currency - KGS; Minimum amount - 200000; Maximum amount - 500000; Minimum period, months - ; Maximum period, months - 36; Calculate at the current exchange rate (Y/N) - ;
Interest rate (%) - 12*; Currency - USD; Minimum amount - ; Maximum amount - ; Minimum period, months - ; Maximum period, months - 36; Calculate at the current exchange rate (Y/N) - Y;

Loans "Agro"

Interest rates:

Interest rate (%) - 17*; Currency - KGS; Minimum amount - 1000001; Maximum amount - 36000000; Minimum period, months - 3; Maximum period, months - 36; Calculate at the current exchange rate (Y/N) - ;

Loans "Business"

Interest rates:

Interest rate (%) - 17*; Currency - KGS; Minimum amount - 1000001; Maximum amount - 36000000; Minimum period, months - 3; Maximum period, months - 120; Calculate at the current exchange rate (Y/N) - ;
Interest rate (%) - 10*; Currency - USD; Minimum amount - ; Maximum amount - ; Minimum period, months - 3; Maximum period, months - 120; Calculate at the current exchange rate (Y/N) - Y;
Interest rate (%) - 8*; Currency - EUR; Minimum amount - ; Maximum amount - ; Minimum period, months - 3; Maximum period, months - 120; Calculate at the current exchange rate (Y/N) - Y;

Credit Line "Micro"

Interest rates:

Interest rate (%) - 22*; Currency - KGS; Minimum amount - 20000; Maximum amount - 1000000; Minimum period, months - 1; Maximum period, months - 60; Calculate at the current exchange rate (Y/N) - ;

"Personal” consumer loans

Interest rates:

Interest rate (%) - 19*; Currency - KGS; Minimum amount - 1000001; Maximum amount - 20000000; Minimum period, months - 3; Maximum period, months - 60; Calculate at the current exchange rate (Y/N) - ;
Interest rate (%) - 12*; Currency - USD; Minimum amount - ; Maximum amount - ; Minimum period, months - 3; Maximum period, months - 60; Calculate at the current exchange rate (Y/N) - Y;

"Ykcham" loan

Interest rates:

Interest rate (%) - 25*; Currency - KGS; Minimum amount - 500; Maximum amount - 70000; Minimum period, months - 1; Maximum period, months - 2; Calculate at the current exchange rate (Y/N) - ;

"For any purpose" loan

Interest rates:

Interest rate (%) - 22*; Currency - KGS; Minimum amount - 20000; Maximum amount - 100000; Minimum period, months - 3; Maximum period, months - 60; Calculate at the current exchange rate (Y/N) - ;

"5 salaries" loan

Interest rates:

Interest rate (%) - 22*; Currency - KGS; Minimum amount - 7000; Maximum amount - 700000; Minimum period, months - 3; Maximum period, months - 24; Calculate at the current exchange rate (Y/N) - ;

"Overdraft" loan

Interest rates:

Interest rate (%) - 28*; Currency - KGS; Minimum amount - 3000; Maximum amount - 200000; Minimum period, months - 3; Maximum period, months - 24; Calculate at the current exchange rate (Y/N) - ;

"Express without collateral" loan

Interest rates:

Interest rate (%) - 28*; Currency - KGS; Minimum amount - 20000; Maximum amount - 500000; Minimum period, months - 3; Maximum period, months - 24; Calculate at the current exchange rate (Y/N) - ;

Online loan

Interest rates:

Interest rate (%) - 25*; Currency - KGS; Minimum amount - 5000; Maximum amount - 200000; Minimum period, months - 3; Maximum period, months - 24; Calculate at the current exchange rate (Y/N) - ;

Credit line

Interest rates:

Interest rate (%) - 17*; Currency - KGS; Minimum amount - 1000001; Maximum amount - 36000000; Minimum period, months - 1; Maximum period, months - 36; Calculate at the current exchange rate (Y/N) - ;
Interest rate (%) - 10*; Currency - USD; Minimum amount - ; Maximum amount - ; Minimum period, months - 1; Maximum period, months - 36; Calculate at the current exchange rate (Y/N) - Y;
Interest rate (%) - 8*; Currency - EUR; Minimum amount - ; Maximum amount - ; Minimum period, months - 1; Maximum period, months - 36; Calculate at the current exchange rate (Y/N) - Y;

“Mortgage” loans

Interest rates:

Interest rate (%) - 18*; Currency - KGS; Minimum amount - 200000; Maximum amount - 36000000; Minimum period, months - 12; Maximum period, months - 120; Calculate at the current exchange rate (Y/N) - ;
Interest rate (%) - 12*; Currency - USD; Minimum amount - ; Maximum amount - ; Minimum period, months - 12; Maximum period, months - 120; Calculate at the current exchange rate (Y/N) - Y;
Interest rate (%) - 12*; Currency - EUR; Minimum amount - ; Maximum amount - ; Minimum period, months - 12; Maximum period, months - 120; Calculate at the current exchange rate (Y/N) - Y;

“Warm house” consumer loans

Interest rates:

Interest rate (%) - 17*; Currency - KGS; Minimum amount - 1000001; Maximum amount - 10000000; Minimum period, months - 3; Maximum period, months - 60; Calculate at the current exchange rate (Y/N) - ;
Interest rate (%) - 10*; Currency - USD; Minimum amount - ; Maximum amount - ; Minimum period, months - 3; Maximum period, months - 60; Calculate at the current exchange rate (Y/N) - Y;

Loans "Energy efficient"

Interest rates:

Interest rate (%) - 17*; Currency - KGS; Minimum amount - 1000001; Maximum amount - 36000000; Minimum period, months - 1; Maximum period, months - 60; Calculate at the current exchange rate (Y/N) - ;
Interest rate (%) - 10*; Currency - USD; Minimum amount - ; Maximum amount - ; Minimum period, months - 1; Maximum period, months - 60; Calculate at the current exchange rate (Y/N) - Y;

"Goods on credit" loan

Interest rates:

Interest rate (%) - 26*; Currency - KGS; Minimum amount - 7000; Maximum amount - 200000; Minimum period, months - 3; Maximum period, months - 24; Calculate at the current exchange rate (Y/N) - ;

Курсы валютна 08:58 24.02.2026

Валюта	Покупка	Продажа
USD Доллар США	87.3	87.8
EUR	102.7	103.7
KZT Казахстанский тенге	0.15	0.185
RUB Российский рубль	1.13	1.16

Terms and commissions

Individual exchange rate

И все это через мобильный телефон

Скачать ЭЛСОМ

App Store

Google Play

QR код для скачивания ЭлсомQR код для скачивания Элсом

23.02.2026

Attention! Scammers!

20.02.2026

KICB Green Loan KYRSEFF Helps Implement Energy-Efficient Solutions

20.02.2026

Non-working day in Russian Federation

16.02.2026

Notification about technical work

16.02.2026

KICB publishes its first Sustainability Report

13.02.2026

Notification about technical work

13.02.2026

KICB held working meetings with representatives of U.S. companies

13.02.2026

Non-working days in China

13.02.2026

Non-working day in USA

11.02.2026

Regarding the change of address of the KICB Osh-Center Branch

10.02.2026

Regarding the change of address of the KICB Tokmok Branch

10.02.2026

Stay in the Plus with Elcart+ from KICB!

28.01.2026

KICB recognized as the Best Investor in the government securities sector

19.01.2026

Visa Infinite жана Visa Signature карталары үчүн «Манас» VIP-залына кирүү кызматынын жаңы шарттары

19.01.2026

Promotion! SWIFT transfers have become even more accessible at KICB

16.01.2026

Non-working day in USA

29.12.2025

Non-working day in Russian Federation

29.12.2025

Bank operating hours during the New Year holidays

24.12.2025

Non-working day in USA

23.12.2025

Change of tariffs on cash and settlement services from 01.01.2026

For Private Clients

Loans

Refinancing

Light loan

Loans "Agro"

Loans "Business"

Credit Line "Micro"

"Personal” consumer loans

"Ykcham" loan

"For any purpose" loan

"5 salaries" loan

"Overdraft" loan

"Express without collateral" loan

Online loan

Credit line

“Mortgage” loans

“Warm house” consumer loans

Loans "Energy efficient"

"Goods on credit" loan

Курсы валютна 08:58 24.02.2026

И все это через мобильный телефон

News

Attention! Scammers!

KICB Green Loan KYRSEFF Helps Implement Energy-Efficient Solutions

Non-working day in Russian Federation

Notification about technical work

KICB publishes its first Sustainability Report

Notification about technical work

KICB held working meetings with representatives of U.S. companies

Non-working days in China

Non-working day in USA

Regarding the change of address of the KICB Osh-Center Branch

Regarding the change of address of the KICB Tokmok Branch

Stay in the Plus with Elcart+ from KICB!

KICB recognized as the Best Investor in the government securities sector

Visa Infinite жана Visa Signature карталары үчүн «Манас» VIP-залына кирүү кызматынын жаңы шарттары

Promotion! SWIFT transfers have become even more accessible at KICB

Non-working day in USA

Non-working day in Russian Federation

Bank operating hours during the New Year holidays

Non-working day in USA

Change of tariffs on cash and settlement services from 01.01.2026