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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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Without collateral or with collateral. There are no hidden fees
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• If the current rate is 30%, then 25% is offered (~minus 5%) even if there is no collateral or guarantor. If there is real estate, then it will be 24% up to 700,000 soms, 22% up to 1,000,000 soms.
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• If the current rate is 33%, then 28% is offered (~minus 5%). If there is a guarantor - 27%. If there is a pledge of movable property - 26%. If there is real estate - then it will be 24% up to 700,000 soms, 22% up to 1,000,000 soms.
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• If the current rate is 38%, then 28% is offered (~minus 10%). If there is a guarantor - 27%. If there is a pledge of movable property - 26%. If there is real estate - then it will be 24% up to 700,000 soms, 22% up to 1,000,000 soms.
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• Loans with an interest rate below 30% are not eligible for the refinancing program, but can be considered individually.”
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There must be a loan in another micro-credit organization without current overdue payments The interest rate is offered lower by at least 5% and can reach 10% Promotion period: 6 months from 01.07.2025 to 31.12.2025
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Effective interest rate: KGS from 24%
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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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Notification of technical work
We hereby inform you that on the night of October 25th, 2025 starting from 02:00 a.m. till 06:00 a.m. technical works will be carried out. During the above-mentioned period KICB and KICB Business mobile applications, internet banking (I-bank), top up cards and accounts at payment terminals will not be available.
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Non-working day in Kazakhstan
Please take into account that October 27, 2025 - is non-working day in Kazakhstan.
Value date for payments in KZT – October 28, 2025. -
KICB announces the first results of its large-scale campaign “Link to Success”!
KICB has announced the first results of its large-scale campaign “Link to Success!”, where users of the mobile application receive bonuses and cash rewards - including the grand prize of 1 MILLION KGS!

