Car loan

Purpose – for purchasing a car

up to 36 months



Minimum rate

from 15 000 KGS


Don’t postpone your dreams. A car loan from Bakai Bank will allow you to buy a car now and enjoy your purchase immediately. When you use our ‘Car Loan’ product, you can take out a loan at a favorable interest rate, using the purchased car as collateral.

Purpose – for purchasing a car.

Advantages of a car loan in our Bank:

  • Low interest rate for a loan in EUR starting from 21% per annum, in USD - from 23%, in KGS - from 26%, in RUB - from 25%;
  • Possibility to take out a loan without additional collateral, the purchase itself can serve as collateral;
  • Review within extra short period;
  • Possibility to take out a ‘Car loan’ in the amount of up to KGS 750 000, up to RUB 750 000, up to USD 10 000, up to EUR 8 000;
  • Loan is provided in KGS, RUB, USD, and EUR;


Terms and conditions for taking out a loan


Loan period:

Up to 36 months

Loan amount and interest rates for real estate collateral:

USD 300 to USD 10 000 – from 23% - 25% per annum (effective % rate from 26,53%);

RUB 15001 to RUB 750 000 – from 25% - 26% per annum (effective % rate from 29,04%);

KGS 15 000 to KGS 750 000 – from 26% - 28% per annum (effective % rate from 30,32%);

EUR  200 to EUR  8 000 – from 21% - 23% per annum (effective % rate from 24,06%).

Repayment procedure:

Monthly by equal installments (annuity payments);

Minimum initial installment is 30%.


 Purchased car + insurance or real estate, guarantee. 

In case of a justified appeal by the Client to change loan terms and conditions, the Bank can set these on an individual basis.

  • Aged 20-60 at the moment of taking out a loan;
  • Permanent or temporary registration on the territory of the bank’s branch that is reviewing the application;
  • Period of working at the last job: at least 12 months;
  • Borrower’s passport;
  • Passport of Borrower’s spouse;
  • Certificate of marriage registration/dissolution, certificate of spouse’s death;
  • Certificate of residence;
  • Documents confirming Borrower’s income in the last 12 months;
  • Patents – for individual entrepreneurs;
  • Guarantor’s passport with city registration;
  • Documents confirming Guarantor’s income in the last 12 months.



Leave a request



Payment schedule
Loan amount

No amount selected

Interest rate

No bid selected

Monthly installment


Total to return


The result of calculating a calculator is informative. Exact parameters loan will be calculated by the Bank on the results of your application.

For more information, please contact Bakai OJSC Bank".

Month Remainder Repayment Repayment % Payouts

The frequency and amount of loan payments may differ from those shown in According to terms of the loan agreement. This loan payment schedule is not a public offer and intended for reference only.


Foreign Exchange Rates

Purchase Sale
USD 69.7000 69.8700
EUR 77.5000 78.3000
RUB 1.1120 1.1230
KZT 0.1790 0.1830
GBP 88.0000 94.0000
CNY 9.4000 10.5000
Purchase Sale
USD 69.5000 69.9000
EUR 77.1000 78.7000
RUB 1.0750 1.1600
KZT 0.1700 0.1900
GBP 84.0000 97.0000
CNY 8.9000 11.0000
FX rate
USD 69.8500
EUR 77.7815
RUB 1.1048
KZT 0.1815
GBP 91.7536
CNY 9.9320

Course listed on 15.12.2019

Exchange rates are valid for Bishkek city. Exchange rates are valid for an amount of up to $1000 (or equivalent in other currencies), rates for amounts above$1000 are contractual