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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

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News
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Warning about scammers!
Dear clients, we warn you about the increasing number of scam cases.
Scammers are sending mass messages to citizens, including minors, to mobile devices, pretending to be employees of government agencies (the Ministry of Internal Affairs, the State Tax Service, etc.). -
Non-working day in Germany
Please take into account that October 03, 2025 - is non-working day in Germany.
Value date for payments in EUR – October 06, 2025. -
Win your MILLION from KICB with the "Link to Success!" promotion.
The terms of KICB's "Link to Success!" promotion have become even better and more rewarding! Now, every citizen who downloads or uses the KICB mobile app receives double bonuses and becomes eligible to win the one MILLION soms prize twice as fast!