Business loan
For stock, equipment, a refit or a second outlet
- Amount
- ₼1,000–50,000
- Term
- 6–36 months
- Annual rate
- from 22%
- APR
- from 25.7%
Consumer loans: ₼500 to ₼15,000
For a refit, appliances, studies, treatment or paying off a dearer loan. Up to ₼5,000 the application and the contract are fully online, with a decision within 2 hours.
- Amount
- ₼500–15,000
- Term
- 6–36 months
- Annual rate
- from 25%
- APR
- 30–42.9%
- Fee
- 2%, at least ₼10
- Decision
- 2 hours
Who it is for
- People employed on a formal contract
- Pensioners, up to 70 on the day of the last payment
- People with a dearer loan elsewhere
- Families planning a cost: a refit, a wedding, studies
Swap a dear loan for a cheaper one
If you have a loan elsewhere with an effective rate above 35%, our consumer loan can pay it off. We send the money to that lender ourselves; you bring the statement.
What it can pay for
- Home repairs
- Appliances, furniture
- Tuition fees
- Medical treatment
- Paying off another loan
- A family occasion
Work out the payment
₼500₼15,000
6 months36 months
Monthly payment
₼193.99
Annual rate 29% · APR 38.5%Total to repay: ₼2,367.90
Equal payments. An estimate. The rate depends on the sum; the exact terms are in the contract.
Terms
Rate by amount
| ₼500–3,000 | 29% |
|---|---|
| ₼3,001–8,000 | 27% |
| ₼8,001–15,000 | 25% |
- How you repay
- Equal payments
- Interest-only months
- None
- Pledge and guarantor
- No pledge and no guarantor. Your income is confirmed with an official certificate or through your employment contract on e-gov.
- How the decision is made
- We answer an online application within 2 working hours. Up to ₼5,000 you sign the contract with SİMA and the money goes to your card. Larger sums are signed at a branch.
Example. ₼2,000 over 12 months at 29% a year, fee ₼40. Monthly payment ₼193.99, total to repay ₼2,367.90, APR 38.5%.
Documents you need
- ID card
- An income certificate from work or your employment contract from e-gov
- Pensioners: pension card
- To pay off another loan: a statement of what is left on it
Questions about this loan
I have no formal job; my income is cash.
Then a business loan or a gold-secured loan suits you better: a loan officer sees the income on site, and a gold loan needs no proof of income at all.
Why did you offer me a smaller sum?
Your monthly payments on all loans should not exceed 45% of your net income. The Central Bank treats consumer loans above that line as riskier, so where the debt load is high we offer less.
I have blocked remote loans. Can I apply online?
You can apply, but not sign online: we see the block at the credit bureau and sign the contract only at a branch. To lift the block, you apply in writing at a branch.
Other loans
All loans
Farm loan
You repay the loan in the months you sell the harvest
- Amount
- ₼1,000–30,000
- Term
- 6–24 months
- Annual rate
- from 21%
- APR
- from 24.1%
Gold-secured loan
In an hour at a branch, no proof of income
- Amount
- ₼100–20,000
- Term
- 1–24 months
- Annual rate
- from 20%
- APR
- from 21.5%