Consumer Loan – Express
Fast loans for individuals and entrepreneurs
Loan Purpose
Express credit is a quick way to get funds without complex procedures for purchasing vehicles, durable goods, renovation, construction, or urgent needs.
Why is it convenient?
- Minimum documents — only the essentials.
- Convenient term — up to 48 months.
- Simplicity — no complex bank procedures.
- Transparency — no hidden fees.
Who is eligible?
- Citizens of the KR aged 19 to 65.
- Individuals with stable income.
- Employees with at least 3 months of experience.
- Borrowers with a positive credit history.
Example: Do renovations now — pay in small installments over 4 years.
Lending Conditions
Amount 100 000 — 1 500 000 som
Term from 6 to 48 months
Interest Rate from 27% p.a.
Effective Rate 31.09% — 33.71%
Commission Fees
None (0%)
Collateral
- 100 000 – 200 000 som: no guarantor required.
- 200 001 – 500 000 som: 1 guarantor (by Credit Committee decision).
- 500 001 – 700 000 som: 1-2 guarantors (1 financial guarantor allowed).
- 500 001 – 1 000 000 som: movable or immovable property.
- 1 000 001 – 1 500 000 som: immovable property + 1 guarantor.
Calculator
Calculate the monthly payment for the express loan.
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This calculation is preliminary and does not constitute a public offer.
Public Fund Microcredit Agency
Financial Fund
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