Express Online
Online loan in the My O! app Quick process, 24/7
Scan QR to download the app
The Express online loan is only available to residents of the Kyrgyz Republic
Up to 200,000 online
24/7 and without leaving home
Repayment period: up to 2 years
Good timeframe: 3 to 24 months
Good interest rates starting at 26.99%*
Transparent terms and minimum overpays
Minimum document set
Only passport required, nothing extra
Calculate a loan
How to get a loan in the app?
Step 1
Select the "Express loan" on the app's main screen
Step 2
Indicate the loan amount, period and first repayment date, and then submit application
Step 3
Confirm your identity
Step 4
Wait until the application is approved
Step 5
Sign documents online
Step 6
Done! Wait for crediting
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.
4% of transaction amount are charged for non-purpose use of funds.
Accident Insurance
The credit products such as Express and Express Online include mandatory accident insurance.
Main terms:
- Insurance company: Arsenal-Kyrgyzstan
- Insurance fee: 0.6% of the loan amount per year (withdrawable at disbursement).
Sample calculations:
- Loan in amount of 100,000 KGS for 12 months: 100,000 × 0.6% = 600 soms.
- Loan period from 13 to 24 months (2 years): 100,000 × 0.6% × 2 = 1,200 soms.
FAQ
How can I get an online loan in Bishkek through O!Bank?
Submit a loan application online in the My O! app anytime, even on weekends. You only need to complete identity verification once at any O!Bank office or O!Store, after which online loans will be available to you. The review process takes just a few minutes.
What types of online loans are available in My O!?
- Payday loan – up to 14,000 KGS, issued within a couple of minutes;
- Express loan – up to 200,000 KGS, no collateral or guarantors required;
- Installments – 0% interest and no fees on O!Market.
Can I get an online loan without documents?
To apply for an online loan, you only need to complete identity verification once with your passport at any O!Bank office or O!Store. After that, you’ll have 24/7 access to online loans of up to 200,000 KGS.
Where can I get an urgent online loan without rejection in Bishkek?
You can apply through the My O! app. If approved, the money is quickly credited to your account.
Which bank offers the lowest interest rate in Kyrgyzstan?
The rate depends on the type of loan and your credit history. O!Bank offers favorable terms — details are available on the Loans page.
Can I get an online loan to my card?
Once approved, the loan will be credited to the special loan account. They can be used for paying for goods or service via My O!. 4% fee is charged for transfers to cards and other non-purpose transactions.
Where can I get microloans online?
The My O! app offers fast loans of up to 14,000 KGS with instant processing 24/7.
Can I get a loan in Bishkek without visiting a bank?
Yes, you can apply and receive funds fully online. You only need to complete in-person identity verification once at any O!Store or O!Bank.
What time can I apply for an online loan at?
Applications can be submitted 24/7, including weekends. The decision takes just a few minutes.
What are the requirements for getting an online loan from O!Bank?
- be a Kyrgyzstan national;
- have a passport;
- have a good credit history;
- complete identity verification once at an O!Bank office or O!Store;
- install the My O! app.
You can calculate your loan using the user-friendly loan calculator on the website or in the app.
How can I get a consumer loan?
You can apply for a consumer loan from 200,000 to 4,000,000 KGS on the website. Our specialists will contact you for consultation and details.
Hurry up to take an online loan in My O!
*EPAR from 30.49%.