Rates and fees
The rate depends on the sum, and the fee is taken once when the loan is paid out. For every loan we give an example with its effective annual rate. These rates are in effect from 1 September 2026.
In effect from 1 September 2026
Interest rates
Nominal annual rate. The larger the sum, the lower the rate.
| Loan | Amount | Annual rate | Fee | APR range |
|---|---|---|---|---|
| Business loan |
|
| 1.5%, at least ₼20 | 25.7%–38.9% |
| Farm loan |
|
| 1%, at least ₼15 | 24.1%–33.6% |
| Consumer loan |
|
| 2%, at least ₼10 | 30%–42.9% |
| Gold-secured loan |
|
| None | 21.5%–24.3% |
| Car-secured loan |
|
| 1.5%, at least ₼30 | 26.7%–35% |
| Group loan for women |
|
| None | 25.5%–25.6% |
Examples
If the loan were paid out today. The effective annual rate includes the fee and is worked out from the payment dates.
| Loan | Terms | Payment | Total to repay | APR |
|---|---|---|---|---|
| Business loan | ₼6,000, 24 months, 24% | ₼317.23 | ₼7,703.42 | 28.8% |
| Farm loan | ₼8,000, 12 months, 21% | ₼140–₼4,140 | ₼9,690 | 24.6% |
| Consumer loan | ₼2,000, 12 months, 29% | ₼193.99 | ₼2,367.90 | 38.5% |
| Gold-secured loan | ₼1,000, 6 months, 22% | ₼18.33–₼1,018.33 | ₼1,109.98 | 24.4% |
| Car-secured loan | ₼10,000, 36 months, 25% | ₼397.60 | ₼14,463.53 | 29.5% |
| Group loan for women | ₼1,500, 12 months, 23% | ₼141.11 | ₼1,693.36 | 25.6% |
Service charges
| Service | Charge |
|---|---|
| Paying the loan early, in full or in part | Free |
| Paying by card on this site | Free |
| Paying at a branch till | Free |
| Paying at a payment terminal | The terminal operator’s fee |
| A statement of what is left to pay | Free |
| A second copy of the contract and schedule | ₼2 |
| Changing the schedule (restructuring) | Free |
| Valuing, storing and insuring gold | Free |
| Valuing a car | Free |
| Notarising a pledge contract | At the notary’s tariff, paid by the borrower |
Late payments
- No penalty for the first 3 days late.
- From the fourth day, 0.1% a day is charged on the late payment, not on the whole loan.
- A delay of more than 30 days is reported to the credit bureau and goes into your credit history.
- If you tell us before the payment date, depending on the reason we can move a payment by 30 days or stretch the schedule by up to 6 months.
We do not make daily (short-term) loans. Under the Central Bank’s 2024 rules such loans may be at most ₼500, for up to 45 days, at up to 0.3% a day.