Calculate a loan
Select a loan for your purpose
Express Online
24/7 online loan in the My O! app
- 15,000 to 200,000 KGSLoan amount
- 3 to 24 monthsLoan period
- KGSCurrency
- 26,99%/ from 30,49% EPARInterest rate
Installment plan on O!Market
Buy now and pay in installments
- 5,000 to 200,000 KGSLoan amount
- 3 to 12 monthsLoan period
- KGSCurrency
- 0% (installment plan)26.99%, EPAR from 30.49% (loan)Interest rate
Express
Quick process for urgent buys
- 25,000 to 500,000 KGSLoan amount
- 3 to 36 monthsLoan period
- KGSCurrency
- 26%/ from 29.25% EPARInterest rate
Consumer loan
Buy without long saving period
- 200,000 to 4,000,000 USDLoan amount
- 3 to 60 monthsLoan period
- KGSCurrency
- 22%/ from 24.14% EPARInterest rate
Payroll Online
Online loan for payroll project members
- 15,000 to 200,000 KGSLoan amount
- 3 to 24 monthsLoan period
- KGSCurrency
- 19%/ from 20,68% EPARInterest rate
Payroll
Cost-efficient loan for payroll project members
- 10,000 to 500,000 KGSLoan amount
- 3 to 48 monthsLoan period
- KGSCurrency
- 19%/ from 20.68% EPARInterest rate
Cooling period
Starting on December 14, 2024, the “cooling period” will be applied to online loans as required by NBKR.
How does it work?
Money will be credited as follows after the loan application submission:
- 15,000 to 50,000 KGS: instant crediting;
- 50,001 to 100,000 KGS: in 4 hours;
- 100,001 to 200,000 KGS: in 12 hours.
In case of a loan over 100,000 KGS, control call is required for loan confirmation.
Intended use of loan
Once approved, the loan will be credited to the special loan account. You can use them free of charge for buying goods and services by QR or paying for services via My O!.
Non-purpose use of funds
- transfers to individuals (to accounts, cards, wallets, phone number, QR);
- topping up a mobile service account;
- repayment of loans or installment plans provided by other banks and finance and credit institutions.
1,95% of transaction amount are charged for non-purpose use of funds.
Mandatory Accident Insurance
The lending products Express, Express Online and Payroll include mandatory accident insurance. The insurance fee depends on the way the loan is issued and loan term.
Main conditions:
- Insurance company: Sakbol IC (for online loans in the My O! app) / Arsenal IC (for loans issued at bank office).
- The insurance fee is deducted upon the loan issuance.
For online loans in the My O! app
- 3–12 months: 4.5% of the loan amount;
- 13–24 months: 9% of the loan amount.
For loans issued at a bank office
- 3–12 months: 1% of the loan amount;
- 13–24 months: 2% of the loan amount;
- 25–36 months: 3% of the loan amount;
- 37–48 months: 4% of the loan amount.
Sample calculations:
- For 100,000 soms borrowed online for 12 months: 100,000 × 4.5% = 4,500 soms.
- For 100,000 soms borrowed online for 24 months: 100,000 × 9% = 9,000 soms.
- For 100,000 soms borrowed at a bank office for 12 months: 100,000 × 1% = 1,000 soms.
- For 100,000 soms borrowed at a bank office for 24 months: 100,000 × 2% = 2,000 soms.