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from KGS 20000
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KGS
from 22*%
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Up to KGS 1 000 000
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Up to 60 months
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For consumer or business purposes
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Movable and immovable property. There are no hidden fees
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Guarantor: Not required (if there is a property pledge) if there is no pledge 1 guarantor is required
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Within the limit, you can take up to 3 tranches
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Simplified procedure for issuing a tranche without documents
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The interest rate does not change
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No need to pay interest on unused limit
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• You always know your capabilities: we immediately tell you how much maximum money you can take.
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• For any purpose: no need to explain every time why you need money. Whether you want it for a new phone or for a trip, just take it and spend!
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• More money without further ado: as soon as you return a part of money, you can take out new ones again.
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• Only for what you use: pay interest only for the money you borrow, not on the entire limit.
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• Everything is under control: the interest rate does not change. Even if everything becomes more expensive, your conditions remain the same.
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• Fast and without paperwork: less paperwork, faster action. If you need money urgently, we will do everything very quickly!”
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Effective interest rate: KGS from 25,28%
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* The Bank’s authorized body shall reserve the right to change the established tariffs on interest rates

Loan Application
Other products
News
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Regarding the change of address of the KICB Tokmok Branch
Starting from February 9, 2026, the KICB Tokmok Branch will continue its operations at the new address: 66 Sultan Ibraimov Street, Tokmok.
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Stay in the Plus with Elcart+ from KICB!
KICB launches the “Stay in the Plus with Elcart+” campaign for active card users who want to get more from their everyday payments. Elcart+ is a modern contactless card that allows you to make convenient payments in shops, cafés, medical centers, service points, as well as online throughout the Kyrgyz Republic.
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KICB recognized as the Best Investor in the government securities sector
Based on the results of 2025, KICB was awarded by the Kyrgyz Stock Exchange in the nomination “Best Investor in the government securities sector of the Kyrgyz Stock Exchange” for its active participation in the market and contribution to the development of the domestic securities market.

