No more need to stand in line with a loan manager. Use the new online shopping service from Halyk Bank: purchase instantly in installments or on credit without visiting a bank outlet.
1. Installment interest rate – 0%, loan interest rate – from 29% to 37% (Annual Effective Interest Rate from 32.8% to 43.9%) (determined individually)
2. Period:
• Installments – 3, 6, 12 months
• Loan – 6, 12, 24, 36, 48, 60 months
3. Maximum amount:
• Installments - up to KZT 2,000,000
• Loan - up to KZT 6,000,000
4. Fee free
5. Partial early repayment - no fees in Halyk app (in the amount of at least one payment)
6. Full early repayment - no fees in Halyk app

• Interest-free installment plan with no overpayments
• Loan period up to 60 months
• Maximum amount – KZT 6,000,000
• Online application without contacting a credit manager
• Possibility to purchase any product in Mechta.kz retail or online stores
• No fees
• Fast decision on installment plan/loan approval in 1 minute
• Partial/full early repayment available in Halyk app without fees

You can purchase products both in the online store www.alser.kz without visiting a store, and in Mechta.kz retail stores in your city.

• age from 18 to 70
• ID card/ residence permit
• possession of a mobile phone

It depends on the income received and the customer's solvency, while the Bank provides for the requirement of the Republic of Kazakhstan Law regarding not exceeding the interim minimum.

The minimum loan/installment amount is KZT 4,000, and the maximum amount is KZT 6,000,000. However, the calculation of the maximum amount for each customer is individual.

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.

Cancellation of the agreement/return of goods is possible only within 14 days from the date of signing the agreement. To do this, you need to contact the Mechta.kz (Mechta) store. There is no need to contact the Bank. The loan will be cancelled automatically upon request from the Mechta store.

In case of a payment default on a scheduled payment, in accordance with the terms and conditions of the Bank Loan Agreement, a penalty will be charged at a rate of 0.5% per day of the debt amount.
A payment default affects your credit history and may negatively impact your ability to obtain a loan in the future.

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.