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from KGS 20000
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KGS
from 25*%
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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 you have a loan with another bank or microcredit organization with a rate of 30% or higher, then we will refinance it with a rate 5% lower according to a simplified scheme. For example: if your rate is 30%, we will offer 25%. If it’s 37%, then 30%, that is, minus 7%
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• If you have a loan with an interest rate from 30% to 35%, then KICB loan will be at a rate of minus 5%
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• If you have a loan with an interest rate above 35%, then the KICB loan will be at a rate of 30%
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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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Effective interest rate: KGS from 27,76%
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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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Closure of Sub Branch No. 046-01-32 “TSUM Aichurek”
We would like to inform you that as of June 27, 2025, Sub Branch No. 046-01-32 “TSUM Aichurek” located at 155 Chui Avenue, Bishkek, will cease operations.
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Change of Address for Savings Office No. 046-06-38 “Kara-Kulzha”
We would like to inform you of the change of address of the Karakulzha Savings Branch of CJSC Kyrgyz Investment and Credit Bank.
Starting from May 26, 2025, the branch will be located at the following address:
J. Kalmataev Street 61, village of Karakulzha, Karakulzha district, Osh region. -
Non-working day in USA
Please take into account that May 26, 2025 - is non-working day in USA.
Value date for payments in USD – May 27, 2025.