Apply for instant installment plans or loans without visiting a store or bank branch.
1. Installment plan interest rate – 0%, loan interest rate – from 29% to 37% (Annual Effective Interest Rate from 32.8% to 43.9%) (determined individually)
2. Term:
• Installment plan – 3, 6, 12 months
• Loan – 6, 12, 24, 36, 48, 60 months
3. Maximum amount:
• Installment plan – up to KZT 2,000,000
• Loan – up to KZT 6,000,000
4. Fee free
5. Partial early repayment – no fees in the Halyk app (in the amount of at least one payment)
6. Full early repayment – no fees in the Halyk app

"• Installments without interest and overpayment - 3,6,12 months
• Loan - up to 60 months
• The maximum amount is up to KZT 6,000,000
• Online registration without contacting a credit manager
• The choosing of products and the formation of an order is performed in Airba partner's app, which is available in the App Store and Play Market
• No fees
• Partial/full early repayment is available in Halyk app without fees

Items selection and order placement are performed in the Airba partner app, which is available in the App Store and Play Market.
Airba is an ecosystem consisting of a marketplace, a logistics center, and a fintech operator.

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

No work experience is required.

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.