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Select a loan for your purpose
Express Online
24/7 online loan in the My O! app
- Loan amount15,000 to 200,000 KGS
- Loan period3 to 24 months
- Interest rate20,5%/ from 22,15% EPAR
Consumer loan
Buy without long saving period
- Loan amount1 mln to 4.25 mln KGS
- Loan period3 to 48 months
- Interest rate22%/ from 24.14% EPAR
Installment plan on O!Market
Buy now and pay in installments
- Loan amount5,000 to 200,000 KGS
- Loan period3 to 12 months
- Interest rate0% - installment plan 26.99% - loan, EPAR from 30.49%
Car loan
New car on good terms
- Loan amountup to 8.5 mln KGS
- Loan term3 to 48 months
- Interest rate20% / from 21,81% EPAR
Mortgage loans
For home purchase or construction
- Loan amountup to 12.5 mln KGS
- Loan term6 to 120 months
- Interest ratefrom 18% / from 19,44% EPAR
Express
Quick process for urgent buys
- Loan amount25,000 to 500,000 KGS
- Loan period3 to 36 months
- Interest rate26%/ from 29.25% EPAR
Payroll Online
Online loan for payroll project members
- Loan amount15,000 to 200,000 KGS
- Loan period3 to 24 months
- Interest rate19%/ from 20,68% EPAR
Payroll
Cost-efficient loan for payroll project members
- Loan amount10,000 to 500,000 KGS
- Loan period3 to 48 months
- Interest rate19%/ from 20.68% EPAR
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 products Express Online and Payroll include accident insurance. The insurance fee depends on the way the loan is issued and loan term.
General terms and conditions:
When applying for an online loan in the My O! app, the customer can choose an insurance company:
- IC Sakbol
- IC Arsenal Kyrgyzstan
- IC Amanat
A loan without insurance can be arranged at an O!Bank office.
For online loans in the My O! app
- 3–12 months: 2.25% of the loan amount;
- 13–24 months: 4.5% of the loan amount.
Sample calculations:
- For 100,000 soms borrowed online for 12 months: 100,000 × 2.25% = 2,250 soms.
- For 100,000 soms borrowed online for 24 months: 100,000 × 4.5% = 4,500 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.