Online Microcredit Terms in Kazakhstan
Transparent amounts, terms and rates — no hidden fees. First microcredit at 0%, and all conditions comply with the Law of the Republic of Kazakhstan 'On Microfinance Activities'.
Microcredit parameters and tariffs
Uniform conditions for online application. The exact rate and APR depend on the amount and term — you see them before signing the agreement.
| Loan amount | 5 000 – 600 000 ₸ |
| Loan term | 7 – 180 days |
| Daily interest rate | 0.1 – 0.15% per day |
| APR (Annual Percentage Rate) | up to 46% per annum |
| First microcredit | 0% if repaid on time |
| Issuance | to any bank card in Kazakhstan — Kaspi, Halyk, Jusan, Forte |
| Transfer time | about 15 minutes |
| Early repayment | without penalties or fees |
How the overpayment and APR of a microloan are calculated
Interest is charged only for the actual period of using the money. No 'selection' fees or mandatory insurance.
Example. Loan of 100,000 ₸ for 30 days at a rate of 0.12% per day:
- Interest: 100,000 × 0.12% × 30 = 3 600 ₸
- Amount to repay: 100,000 + 3,600 = 103 600 ₸
- APR for such a loan ≈ 44% per annum
For a new client, the same loan if repaid on time — at 0%, the amount to repay is exactly 100,000 ₸.
What is APR
APR is the annual effective interest rate. It reflects the real cost of the loan including all payments over a year. Under the law of Kazakhstan, it must be stated in the contract, and we show the APR next to each calculation in the calculator.
Open calculatorRequirements for a microloan borrower
The entire process is online — you only need an ID and a card. No income statements, guarantors, or collateral required.
- Citizenship or residency of the Republic of Kazakhstan
- Age 21 or older
- An active bank card in Kazakhstan in your name
- A mobile phone number in Kazakhstan
- IIN and ID card
- Income statements or employment certificates
- Guarantors or co-borrowers
- Collateral of property or car
- Office visits — everything via WhatsApp
Borrower's rights under the law of Kazakhstan
Microloans in Kazakhstan are regulated by the Law 'On Microfinance Activities'. It protects the borrower and limits debt growth.
Penalty limit
Late payment penalty — no more than 0.5% of the overdue amount per day and no more than 10% of the loan amount per year.
Debt freeze
From day 91 of delay, the MFO is not entitled to charge interest and penalties (Law No. 97-VIII of 19.06.2024).
Restructuring
If you are overdue, you have the right to submit a restructuring application within 30 days — the MFO must review it within 15 days.
Early repayment
You can repay your microloan early at any time — without fees or penalties, interest is recalculated.
Transparent contract
APR, payment schedule, and total loan cost are stated in the contract in advance — before signing.
Regulatory oversight
The activities of MFOs are controlled by the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market (ARDFM).
Maximum rates and limits of microloans
Maximum rates are set by a joint resolution of the ARDFM and the National Bank of the Republic of Kazakhstan.
| Classic microcredit from MFO — maximum APR | up to 46% per annum |
| Short-term loan (up to 45 days and up to 45 MCI) — daily rate | up to 0.3% per day |
| Short-term loan — maximum APR | up to 179% per annum |
| Late payment penalty | up to 0.5% per day, up to 10% per year |
| Market regulator | Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market |
Mikrozaimy is a direct microfinance organization in Kazakhstan, operating in the MFO register. Registration number in the register — to be clarified. We issue loans only within the rates and limits established by law.
Frequently asked questions about microloan terms
What is the maximum microloan amount?
Online you can take out a microloan from 5,000 to 600,000 ₸. The available amount depends on your credit history and whether it is your first or repeat loan — the limit increases for regular customers.
Is it true that the first loan is at 0%?
Yes, new clients get their first microloan at 0%: if repaid on time, you return exactly the amount borrowed without overpayment. If the deadline is missed, the contractual rate applies.
How is the APR on a loan calculated?
APR — annual effective interest rate — takes into account all loan payments on an annual basis. It is mandatory stated in the contract and displayed next to the calculation in our calculator so you can see the real cost of the loan.
What happens if I miss a payment?
For late payment, a penalty is charged — no more than 0.5% per day of the overdue amount and no more than 10% of the loan amount per year. From day 91 of delay, under the law of the Republic of Kazakhstan, the accrual of interest and penalties stops. If you face difficulties, you have the right to submit a restructuring application.
Can I repay my microloan early?
Yes, early repayment is available at any time without penalties or fees. Interest is recalculated for the actual period of using the funds, so early repayment reduces the overpayment.
Which card does the money come to?
Funds are credited to any bank card in Kazakhstan — Kaspi, Halyk, Jusan, Forte, and others. The card must be issued in the borrower's name. Crediting usually takes about 15 minutes after approval.
Get a microloan on transparent terms
First loan at 0%. You will see the rate and APR before signing the contract. Money to your card in 15 minutes.