Collateral-free "Extra Express" loans can be obtained by everyone: both customers who use Bakai Bank's card for receiving salary as well as third-party individuals. You can apply for a loan in Bishkek, Osh and other cities of Kyrgyzstan in any bank branch where the loan specialist is present.

Who can qualify?

Age 21 to 65 years old, for salary and/or pension cardholders of the Bank - up to 70 years old
Citizens of the Kyrgyz Republic
Permanent stable income, supported with documents (certificate of income / patent / certificate of Individual Enterpreneur)

Currency: Soms

Amount: 10 000 to 500 000 soms

Terms: 3 to 36 months

Collateral: Up to 300 000 soms - without cosigner, over 300 001 soms - 1 cosigner

Spousal consent is required for loans up to 100 000 soms

Repayment: monthly - annuity as per established loan repayment schedule

Type of loan	Currency	Maximum amount, KGS	Interest rate, per annum
Extraexpress for Payroll members	KGS	up to 500 000 KGS	21%*
Extraexpress	KGS	up to 500 000 KGS	24%*

*until 31.08.2024

Effective interest rate:

*for salary and/or pension cardholders of the Bank - 23.20%;

*for individuals with proof of official income - 26.89%.

WRITE US OR CALL US RIGHT NOW FOR ASSISTANCE!

6111 (from a cell phone)
+996 554 00 61 11 Whats App
+996 312 61 00 61

List of documents:

Copies of passports of the Borrower, his/her spouse, cosigner and their spouses (if any)
Copies of his/her spouse's passport and marriage certificate are required only for loans over 100,000 soms

For Individuals:

Salary certificate for the past 3-12 months, pension, or a bank statement certified by a bank employee's signature or bank account statements from other banks for the specified period of salary receipt

For Individual Entrepreneurs:

Copies of IE/Patent Certificates for the past 1-3 months
Original certificate from local municipality on existence of livestock and/or documents on existence of farmland

And other documents necessary for loan processing according to the legislation of KR

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This loan calculator provides only estimate amount of payments.

For more information, please contact OJSC “BAKAI BANK”.

Month	Remainder	Repayment	Repayment %	Payouts

Frequency and amount of loan payments may differ from those specified in accordance with the terms of the loan agreement. This loan payment schedule is not a public offer and is intended for information purposes only.