Payday loans online to your card at Mikrozaimy: terms, APR and amount in 15 minutes
What are payday loans to your card and how much can you get
A microloan issued for a period from several days to a month, for a small amount, without collateral or certificates — that's how you can describe this product. Let's figure out how much you can borrow, for how long, and who gets approved.
How much can you borrow until payday at Mikrozaimy
We issue payday funds online to your card in amounts from 5,000 to 100,000 ₸ — the range covers both urgent 10,000 ₸ until payday and larger needs up to half a million. The first loan for new clients is at 0% for up to 30 days, meaning you take, say, 30,000 ₸ and return exactly the same amount without overpayment if you meet the grace period. For repeat applications, the rate is 0.1–0.15% per day — with a sum of 50,000 ₸ for 14 days, the overpayment will be 700–1,050 ₸, which is noticeably lower than at pawnshops or private lenders. For the first application, we recommend taking an amount up to 50,000 ₸ — this increases the chance of approval with fast scoring, and the overpayment even for 30 days remains minimal.
How long is a payday loan given for and who is it suitable for
Our payday loan term is from 7 to 45 days, but for the 'until payday' theme, 7–30 days are optimal: you take 20,000 ₸ for 14 days and return it with minimal overpayment — at a rate of 0.1%/day, that's only 280 ₸ extra. The product is suitable for borrowers aged 21 to 65 with any citizenship of the Republic of Kazakhstan — no income certificates, guarantors, or employment confirmation needed, just a passport/ID, IIN, and a Kaspi, Halyk, Jusan or Forte card. If you need funds for 2–3 months, it's better to consider an amount up to 100,000 ₸ for 60 days — the rate of 0.1%/day remains the same, and the monthly payment does not exceed 50,000 ₸.
Will I get a payday loan with bad credit history
We consider applications from borrowers with any credit history — we don't require income certificates and don't block due to old delinquencies, the main thing is a passport/ID of the Republic of Kazakhstan, IIN, and an active Kaspi, Halyk, Jusan or Forte card. The decision is made in 2–5 minutes via automatic scoring, which assesses current solvency, not past mistakes: if your card regularly receives salary or side income, the chance of approval is high even with a damaged credit history at the First Credit Bureau. For borrowers with bad history, this is especially relevant — alternatives like pawnshops or private loans are more expensive and inconvenient. With bad credit history, scoring analyzes current solvency, not past mistakes — so even with a damaged history, you can get payday funds online to your card if you have a stable income.
Terms, rate and APR: how much will you actually overpay
Let's break down what makes up the cost of a payday loan: daily rate, APR, overpayment on a specific example. We show how to calculate the total amount to repay.
What is the interest rate and APR on a payday loan
The rate on payday funds online to your card with us is from 0.1% to 0.15% per day, which corresponds to an APR of 35–50% per annum with no hidden fees. Interest is charged only on the remaining debt, not on the entire amount — unlike schemes where the issuance fee is included in the loan principal. APR (annual effective interest rate) combines all mandatory payments: interest, issuance fees, insurance, and any charges under the contract. According to the Law of the Republic of Kazakhstan 'On Microfinance Activities', MFOs must indicate the APR in large font on the first page of the contract — if you only see 'rate from X%' without the full cost, this is a direct violation. The first loan is issued at 0% for amounts up to 30,000 ₸ and terms up to 14 days — without interest or fees. If an MFO does not show the APR in the calculator or contract — do not take out the loan, this is a sign of an illegal lender.
Overpayment calculation example: 10,000 ₸ for 7 days
If you take payday funds online to your card from us — 10,000 ₸ for 7 days at 0.1%/day, the overpayment will be 70 ₸ (10,000 × 0.1% × 7), and the amount to repay is 10,070 ₸ with an APR of about 36.5%, which is 15–35% lower than the market average for urgent microloans. At a rate of 0.5%/day (typical for street pawnshops), the overpayment for the same period would be 350 ₸ — 5 times more. No additional payments are included in the calculation: no fee for issuing to a Kaspi, Halyk, Jusan or Forte card, for application review, or for early repayment — you only pay interest for the actual days of use. For clarity: 70 ₸ for a week is less than a cup of coffee at a local café, and you don't risk overpaying due to hidden fees if you check the APR in the contract before signing.
Comparison of Mikrozaimy loan terms
| Loan type | Amount | Term | Rate / APR | Feature |
|---|---|---|---|---|
| Express payday loan | 5 000 – 50 000 ₸ | 7–30 days | 0.1%/day, APR ~36% | Minimal overpayment, money in 15 minutes |
| First loan at 0% | up to 30,000 ₸ | up to 14 days | 0% / 0% | No interest or fees, only for new clients |
| Standard loan | 5 000 – 100 000 ₸ | 7–45 days | 0.1–0.15%/day, APR 35–50% | Any amount, early repayment without penalties |
How to apply online and get money on your card
Step-by-step breakdown of the online application process: from application to receiving funds on Kaspi, Halyk, Jusan, or Forte. How long each stage takes and what documents are needed.
What documents are needed for an online payday loan
For online payday loans to your card, we only need a passport/ID of the Republic of Kazakhstan and an ИИН — no income certificates, guarantors, or collateral required. You fill out an application on the website: specify the amount (from 5,000 to 100,000 ₸), desired term (from 7 to 45 days), contact details, and recipient card number. The system automatically verifies the entered data against the databases of the Public Service Center and the Ministry of Justice of the Republic of Kazakhstan — this takes 1–2 minutes. No paper applications or office visits, the entire procedure is fully remote. All verification is done automatically through the databases of the Republic of Kazakhstan in 1–2 minutes — you simply fill out the application on the website, the system checks the data, and the decision comes instantly.
How quickly funds arrive on the card and which cards
Payday loan funds from us arrive on your card within ~15 minutes after application approval — on Kaspi Gold, Halyk Bank, Jusan, or Forte. Specifically, on Kaspi Gold the transfer takes 5–10 minutes, on Halyk — up to 15 minutes, on Jusan and Forte — on average 10–12 minutes. The speed depends only on the recipient bank and the current load on the payment gateway; the MFO itself sends the transfer instantly after scoring approval. All transfers go through the interbank payment system of the Republic of Kazakhstan, no commission is charged for crediting to any card. If you applied outside working hours (at night or on weekends), the funds will still arrive — the system operates 24/7, transfers go through without delays.
Step-by-step instructions: from application to receiving on card
- Step 1 — filling out the application: indicate on the Mikrozaimy website the desired amount, term, and personal data — passport details and ИИН, this takes 3–5 minutes.
- Step 2 — identity confirmation: enter the SMS code sent to the phone number specified in the application to verify the data.
- Step 3 — scoring and decision: the automatic system checks you against the databases of the Republic of Kazakhstan (credit history, employment, age) and gives an answer in 1–2 minutes.
- Step 4 — receiving on card: after approval, the funds are instantly sent to a Kaspi, Halyk, Jusan, or Forte card — you see them in the bank app within 10–15 minutes.
First loan at 0%: conditions and no hidden fees
We break down what 'first loan at 0%' actually means when you apply for a payday loan on your card: the amount, term, whether there are hidden fees, and how to get this service.
What is a first loan at 0% and how to get it
We offer a first loan at 0% for new clients — up to 30,000 ₸ for up to 14 days with no interest, fees, or hidden charges. You borrow 20,000 ₸ for 10 days and repay exactly 20,000 ₸ — not a tenge extra, no accruals even upon contract extension. The 0% rate is fixed in the repayment schedule, which is signed with an electronic signature during application. To get this service, you need to register on the website or app, fill out an application with your ИИН and ID details, and link a card from any Kazakhstani bank — Kaspi, Halyk, Jusan, or Forte. Crediting speed — up to 15 minutes after approval. The condition applies only to the first loan — after repayment, you become a regular client and can take repeat loans on standard terms with a rate from 0.1%/day.
No hidden fees: what is included in 0%
The first loan at 0% from this MFO is truly 0%: no fee for application review, card issuance, SMS notifications, or early repayment. The contract does not contain lines like 'account maintenance fee', 'insurance', or 'transfer fee' — such clauses contradict the Law of the Republic of Kazakhstan 'On Microfinance Activities', which directly prohibits MFOs from charging additional payments beyond the remuneration (interest). If an organization promises '0%' but charges a fee for transfer to card or maintenance — it is not real 0%, and you should look for another lender with transparent conditions from day one.
Who is the first loan at 0% suitable for
The first loan at 0% from us is ideal for anyone who urgently needs 5,000–30,000 ₸ until payday on their card — for example, to pay utility bills, a travel pass, or minor repairs. The application is fully online, no office visit or income certificates required: just an ID and a card. Borrowers with any credit history (even past delinquencies) get approved, as the check only goes through the National Bank database for current debt. This is a safe way to test the service — early repayment without penalties, so you lose nothing even if you change your mind.
Delinquency, extension, and how to check MFO legality
We break down the three main fears of borrowers: penalties for delinquency, the possibility of extending the term, and how to ensure the MFO operates legally under the law of the Republic of Kazakhstan.
What happens if a payday loan is overdue
If a payday loan is overdue, the lender accrues penalties — usually 0.5–1% of the overdue amount per day, but no more than 10% of the loan amount under the Law of the Republic of Kazakhstan 'On Microfinance Activities'. Penalties accrue daily, and after a week the overpayment can be 3.5–7% of the principal, and if not paid for a month, the maximum allowed 10% will accrue. Simultaneously, information about the delinquency goes to the credit bureau and damages your credit history — this will block access to large bank loans and installments at Kaspi or Halyk for 1–3 years, and if the debt is not repaid for more than 90 days, the MFO has the right to transfer the case to collectors or recover the amount through court, which adds enforcement costs and a travel ban abroad. If you realize you won't make the repayment date, call the organization 2–3 days before the deadline — an extension for a week will cost much less than delinquency penalties.
Can a payday loan be extended and how
With us, extending an active microloan is called prolongation: you pay interest for the current period and move the repayment date to a new term from 7 to 30 days. The extension fee is fixed — 0.15% of the loan amount for each additional day, with no hidden charges or insurance. To apply, log into your personal account on the website, select the loan with 'active' status, and click 'Extend' — funds are automatically debited from the card, the entire procedure takes about two minutes. You can extend no more than three times in a row, after which you need to repay at least part of the principal so the system does not consider the behavior a sign of financial problems. Prolongation is more profitable than delinquency: instead of daily penalties of 0.5–1%, you pay only interest for the additional days at the regular rate, and your credit history remains clean.
How to check a company's legality in the National Bank of the Republic of Kazakhstan register
You can check the legality of an MFO in Kazakhstan on the website of the National Bank of the Republic of Kazakhstan in the 'Register of Microfinance Organizations' section — enter the name or BIN of the organization in the search bar and make sure the record is active and not suspended. The register is updated monthly and contains full details of each MFO: registration date, license number, status, and contact information of the regulator for complaints. An alternative method is to check the MFO through the database of the Ministry of Justice of the Republic of Kazakhstan on the egov.kz website: enter the organization's BIN in the 'Information about Legal Entities' service and see if it is registered with OKED code 64.92 (microfinance activities). If the MFO is not in the National Bank register, it is an illegal lender: borrowing from it is risky, your rights are not protected by law, and in case of a dispute you cannot contact the Agency for Regulation of the Financial Market.
Mikrozaimy — a direct MFO in the National Bank of the Republic of Kazakhstan register
We are a direct microfinance organization of Kazakhstan, included in the MFO register of the National Bank of the Republic of Kazakhstan, and issue payday loans online from our own resources, without aggregators or intermediaries. You enter into a contract directly with the lender, not with a broker who forwards the application to third parties — all conditions, rates, and terms are fixed in one document without hidden fees. A direct MFO processes applications faster: funds arrive on a Kaspi, Halyk, Jusan, or Forte card within 15 minutes because there is no need to wait for approval from multiple partners.
Legality and protection of borrower rights in Kazakhstan
We will examine how to check the legality of an MFO, what rights a borrower has under the law of the Republic of Kazakhstan, and where to complain about violations.
How to check an MFO in the National Bank of the Republic of Kazakhstan register
You can check a company's legality in 1 minute on the National Bank of the Republic of Kazakhstan website in the 'Register of Microfinance Organizations' section — just enter the name or BIN of the company and make sure the status is 'Active'. The register displays all legal organizations in Kazakhstan, including registration date, license number, and information about the manager. If the organization is absent from the register or has a status of 'Suspended' or 'Liquidated', it is not entitled to issue loans. Working only with MFOs from the register is the only way to guarantee that your rights are protected by the Law 'On Microfinance Activities': such organizations are obliged to comply with the GESV limit, not use illegal collection methods, and provide full information about the loan.
Borrower rights: what to do in case of violation
In case of violation of rights, the borrower has the right to file a complaint with the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market (online via eGov or in person) — the company must respond within 15 working days. Complaints are accepted for exceeding the GESV over 100%, imposing additional services without the client's consent, disclosing personal data to third parties, and collector calls with threats. Borrowers can also contact the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market (ARDFM) in person — contact details for regional offices are available on the finreg.kz portal. The most common violations are exceeding the GESV over 100%, hidden fees, and calls at prohibited times (after 22:00 and before 08:00) — all are punishable by a fine of up to 500 MCI and license suspension.
Conclusion
We've gathered key points to remember when applying for your first microloan to a card: from the speed of receiving funds to your rights in case of late payment.
Key takeaways
- Payday loans online to your card — a quick way to solve a financial issue: funds arrive on your card within 5–15 minutes, no certificates or guarantors needed, just your Kazakhstan passport and ИИН.
- Overpayment is transparent: with a rate of 0.1–0.15%/day and ГЭСВ 35–50%, you know exactly how much you'll repay — no hidden fees.
- First loan at 0% — real savings: up to 30,000 ₸ for 14 days interest-free, if the lender charges no additional fees.
- Check legality: only work with MFOs from the National Bank of Kazakhstan registry — this guarantees your rights under the Law 'On Microfinance Activities'.
- If overdue — take action: extension (prolongation) is cheaper than fines, and early repayment saves on interest for remaining days.
