• Age from 18 to 70
• Identification document
• Possession of a mobile phone with a front-facing camera (iOS version 12.0 or higher)

No work experience is required.

This depends on the income received and the customer’s solvency, while the Bank also complies with the requirement of the Republic of Kazahstan Law regarding not exceeding the interim minimum.

Individually, depending on the established interest rate.

Within the partnership:
- the minimum order amount is from KZT 4,000 to KZT 10,000;
- the maximum installment amount is from KZT 4,000 to KZT 2,000,000 for major partners;
- the maximum loan amount is from KZT 4,000 to KZT 6,000,000;
At the same time, the approach to calculating the maximum amount for each customer is individual.

These documents are not required when purchasing goods on in credit/installments.

You can find the working hours of stores/point of sales on the website of the chosen store.

Consider the store's offer for an alternative product within the approved amount.

The guarantee period depends on the type and brand of the chosen product.
You can find the exact guarantee period in the store, or directly when receiving the product.

Yes, consumer loan are eligible for refinancing both at Halyk Bank and at STB. We do not recommend refinancing installment plans, as there are no overpayments or interest charges on installment plans.