Advantages

Fastest processing time
Consumer loans are issued as a personal loan or line of credit
Consumer loans are available for renovations, tuition fees, vacations abroad, medical treatment, events, and repayment of private loans, among other things.
*Effective interest rate: from 19.56% in som, from 13.80% in US dollars, and from 24.36% in rubles.

Lending Terms

Interest rate: from 18% in som, from 14% in US dollars, and from 22% in rubles
Consumer loans are issued as a personal loan or line of credit
Loan term: up to 36 months
Currency: som, Russian rubles, US dollars
Loan repayment: monthly, in annuity payments

• Collateral requirements

Required Documents: 1. List of documents for individuals: 2. Borrower's passport, spouse's passport, and a copy of the marriage certificate. 3. Documents confirming income (e.g., a certificate of employment for the last 6-12 months or evidence of income from entrepreneurial activity, with at least 6 months of operation). 4. Required collateral documents: title deed for real estate, technical passport, and a certificate from the state register confirming the absence of encumbrances or restrictions.