Frequently Asked Questions About microloans

The loan amount ranges from 5,000 to 600,000 ₸, and the term from 7 to 180 days. The specific amounts available depend on your credit history and whether it's your first or repeat loan.

Yes. Your first loan with Mikrozaimy is provided without interest (0%) if repaid on time — you pay back exactly the amount you borrowed.

APR stands for Annual Percentage Rate, which shows the true cost of the loan. Our APR ranges from 35% to 50% and is always displayed alongside the calculation and in the individual contract terms before signing.

The interest rate ranges from 0.1% to 0.15% per day. You can see the exact overpayment in tenge in the calculator and in the contract before you apply.

The application decision is made within minutes. After approval, the money is transferred to your card in about 15 minutes — at any time of day.

Any card from a Kazakhstani bank: Kaspi, Halyk, Jusan, Forte, and others. The card must be issued in your name.

Only a Kazakhstani citizen ID and IIN. No income statements, guarantors, or collateral are required for most loans.

No. The entire process — from application to receiving money — is done online. No need to visit an office.

We consider applications even if you have past late payments. The decision is made individually, so there is a chance of approval. Submit an application or write to us on WhatsApp.

Kazakhstani citizenship, age 18 or older, a valid ID, IIN, and a bank card in your name. A steady income is desirable but no proof is needed.

Yes, at any time in full or in part, with no penalties or fees for early repayment. Interest is recalculated for the actual period the money was used.

In case of late payment, a penalty is charged within the limits set by Kazakhstani law. We do not charge beyond legal limits. If you realize you won't be able to repay on time, contact us in advance — we'll help with an extension.

Yes, if necessary, the loan can be extended. Extension terms are discussed individually — write to us on WhatsApp before the payment date.

Yes. Data is transmitted over a secure connection and processed in accordance with the legislation of the Republic of Kazakhstan on personal data. More details can be found in the Privacy Policy.

Yes. Mikrozaimy (Mikrozaimy LLP) is a direct microfinance organization operating under the Law of the Republic of Kazakhstan 'On Microfinance Activities' and is included in the register of MFOs.

No. We are a direct MFO, not an intermediary. There are no fees for 'selection' or 'processing' — you only pay the loan remuneration specified in the contract.