Loans at O!Bank
Individual lending types
How to choose a loan
Loan amount
You can get a loan of up to 200,000 soms online in the My O! app.
For higher amounts, apply at an O!Bank branch.
To get an online loan, you need to complete identity verification with your passport once at any O!Bank branch or O!Store.
Calculate a loan
Monthly installments1 440,19 c
Total17 282,28 c
CurrencyСом
Select a loan for your purpose
Online loan
24/7 in My O! app
- Loan amount15,000 to 200,000 KGS
- Loan period3 to 24 months
- Interest rate26,99%/ from 30,67% EPAR
Consumer loan
Large amounts - with real property or deposit as a collateral
- Loan amountUp to 4.25 mln KGS
- Loan period3 to 48 months
- Interest rate22%/ from 24.42% EPAR
Installment plan on O!Market
Buy now and pay in installments
- Loan amount3,000 to 300,000 KGS
- Loan period3 to 12 months
- Interest rate0% - installment plan 26.99% - loan, EPAR from 30.67%
Car loan
New car on good terms
- Loan amountup to 8.5 mln KGS
- Loan term3 to 48 months
- Interest rate22% / from 24,42% EPAR
Mortgage loans
For home purchase or construction
- Loan amountup to 12.75 mln KGS
- Loan term6 to 120 months
- Interest ratefrom 15.5% / from 16.70% EPAR
Express
Quickly, no collateral, minimum set of documents required
- Loan amount25,000 to 500,000 KGS
- Loan period3 to 36 months
- Interest rate26%/ from 29.25% EPAR
Salary Loan
A good loan for payroll project participants
- Loan amountup to 500,000 soms
- Loan termup to 48 months
- Interest ratefrom 19%, EPAR from 20.75%
Self-ban on obtaining loans
Starting November 1, 2025, the law on self-ban for loans comes into effect in Kyrgyzstan.
A self-ban is a voluntary restriction that blocks the issuance of loans in your name — including those you apply for yourself.
Mandatory Accident Insurance
The Online loan and Payroll lending products include accident insurance.
The insurance fee depends on the way the loan is issued and loan term.
Looking for a business loan?
Online loan for business
Loan amountup to 200,000 somsLoan termup to 24 monthsInterest rate20%, EPAR from 21.81%
Details
For business development
Loan amountup to 8.5 mln somsLoan termup to 60 monthsInterest ratefrom 17%, EPAR from 18.28%
DetailsFAQ
What is a self-ban?
A self-ban is a voluntary restriction that blocks the issuance of any loans in your name — including those you personally apply for. The self-ban is set through the state portal Tunduk and applies to all credit institutions in the country.
Why is a self-ban important?
- Protects you from fraudulent loans taken out by scammers in banks or microfinance organizations.
- Helps you avoid impulsive or risky financial decisions.
How can I set up or remove a self-ban?
Through the Tunduk state portal. Any changes are automatically transmitted to all credit institutions in the country via the Credit Bureau.
What happens if I apply for a loan while a self-ban is active?
The bank will verify your status and reject the application. A message will appear on the screen stating that loan issuance is currently unavailable.
Can the bank remove a self-ban without my consent?
No. You are the only person who can manage the self-ban through the Tunduk portal. The bank has no authority to lift the restriction — even if you already have active loans.