SME Auto Loan at JSC Nurbank | Passenger, Commercial, Specialized Vehicles

SME Auto

Vehicle for business
SME Auto

Acquisition of motor vehicles, including passenger vehicles, freight transport, specialized/special-purpose vehicles, trailers/semi-trailers, and other types of vehicles directly engaged in business operations

Terms

Funding Currency

KZT, USD*, and other foreign currencies by the decision of the Bank's authorized body

Interest Rate

from 21% to 22% (APR from 24.9% to 31.1%)**

Type of Credit
  • Bank Loan
  • Non-revolving Credit Line
Loan Term

Up to 84 months. However, the loan term must not exceed the lifespan of the acquired vehicle

Loan Amount

Up to 500,000,000 ₸ or the equivalent in foreign currency

Repayment Schedule
  1. Principal - monthly with differentiated payments
    Interest - monthly
  2. Principal - monthly with annuity payments
    Interest - monthly
  3. Individual principal repayment schedule set by the Bank's authorized body
    Interest - monthly
Initial Payment
  • For new vehicle acquisition — from 20% of the market value of the acquired vehicle
  • For used vehicle acquisition — from 30% of the market value of the acquired vehicle
  • 0% if additional security in the form of real estate (excluding land plots) or cash is provided
Security
  • Main security - acquired vehicle
  • Real estate
  • Movable property in the form of vehicles
  • Cash collateral
  • Guarantee from JSC "Damu Entrepreneurship Development Fund"
Fees

According to the approved bank tariffs***

Insurance

Auto insurance CASCO, with the Bank as the beneficiary and annual renewal until the end of the loan term

* For clients with relevant foreign currency earnings and/or currency risks covered by appropriate hedging instruments from the client.

** Interest rates approved by the Asset and Liability Management Committee (Appendix #1 to Protocol  No. 63-11 dated 20.06.2025).

*** Tariffs do not apply to state programs if provided by an agreement between the Bank and a financial agency and/or the legislation of the Republic of Kazakhstan and/or program conditions and/or the decision of the Bank's authorized body.

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Frequently Asked Questions

What is the value of 1 digital tenge?

One digital tenge is equivalent to one tenge in both cash and non-cash forms.

What is the value of 1 digital tenge?

One digital tenge is equivalent to one tenge in both cash and non-cash forms.

What is the value of 1 digital tenge?

One digital tenge is equivalent to one tenge in both cash and non-cash forms.

What is the value of 1 digital tenge?

One digital tenge is equivalent to one tenge in both cash and non-cash forms.

What is the value of 1 digital tenge?

One digital tenge is equivalent to one tenge in both cash and non-cash forms.