Arrange instant purchases of premium and luxury goods in installments with 0% interest and no overpayments, or in credit without visiting the store or bank outlet.
1. Installment interest rate – 0%, credit rate – from 29% to 37% (Annual Effective Interest Rate from 32.8% to 43.9%) (determined individually)
2. Period:
• Installment – 3, 6 months.
• Credit – 6, 12, 24, 36, 48, 60 months.
3. Maximum amount – KZT 1,000,000
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 - 3 months
• Loan period up to 60 months
• Maximum amount – KZT 1,000,000
• Online application without contacting a credit manager
• Making purchases is available on the website www.viled.kz
• No fees
• Fast decision on installment plan/loan approval in 1 minute
• Partial/full early repayment available in Halyk app without fees

Items selection and order placement are performed on the website www.viled.kz of our partner Viled

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

No work experience is required.

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 maximum amount - KZT 1,000,000. 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.

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.