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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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Online loans in the KICB mobile application
KICB informs about introducing changes at the process of issuing online loans. If you apply for online loan in KICB mobile application, loan will be credited in these period of time:
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Interest Rates Reduced for “Business”, “Agro”, and “Personal” Loans
KICB continues its special campaign to reduce interest rates on “Business”, “Agro”, and “Personal” loans. This is a unique opportunity for clients to access financing on more favorable terms, helping to significantly reduce interest expenses and effectively use the saved funds for business development or personal needs.
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Non-working day in China
Please take into account that June 2, 2025 - is non-working day in China.
Value date for payments in CNY – June 3, 2025.