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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: 30 minutes;
- 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.
Other expenditures: 1.95% of the transaction amount charged for non-purpose transactions
Mandatory Accident Insurance
The lending product Express Online include 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.
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.
Self-ban on obtaining loans
Starting November 1, 2025, the law on self-ban for loans comes into effect in Kyrgyzstan.
What it is:
- A self-ban is a voluntary restriction that blocks the issuance of loans in your name — including those you apply for yourself.
How to set or remove it:
- Through the Tunduk government portal;
- The procedure is free and applies to all banks and microfinance institutions (MFIs);
- Removal takes effect 12 hours after submitting the request.
Why it’s needed:
- Protects against fraudulent loans;
- Helps prevent impulsive financial decisions.
Important:
- If a self-ban is active, loan applications will not be accepted.
- To apply for a loan, remove the self-ban via the Tunduk government portal.
FAQ
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.