Car Loan for New Car Purchase from the Dealership | Terms from Nurbank JSC

Auto Loan

For the purchase of a new passenger car from a dealership
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Auto Loan

Loan Terms

Currency: KZT
Amount up to 65% of the market value of movable property, but not more than 10,000,000 ₸
Initial Payment from 35%
Term from 12 to 60 months
Collateral the vehicle being purchased
Disbursement upon registration of the pledge agreement with the state authorized body
Insurance property insurance of the collateral is mandatory
Application Review Fee 0 ₸
Loan Arrangement Fee

2,5% of the loan amount + 12,000 ₸

0% – when choosing loan terms with no commissions charged

Application Processing Time from 3 business days
Required Documents identity document, documents for the vehicle being purchased

* The bank reserves the right to request additional documents

Reward Rates

  Annual Fee Rate Annual Effective Fee Rate
With Fees 25,5% - 27,5% 30,59% - 34,65%
Without Fees 26,5-28,5% 30,34% - 34,74%

Fee rates are approved by the Asset and Liability Management Committee (protocol №47-11, dated 17.04.2026)

Borrower Requirements

Citizen of the Republic of Kazakhstan
From 21 years old to retirement age

Calculate the preliminary monthly payment

mo.
Preliminary Monthly Payment
0
Annual Reward Rate
0
Overpayment Amount
0

This calculation is an estimate for assessing your monthly loan expenses and does not constitute a Bank's loan commitment.

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Frequently Asked Questions

Who makes the approval decision?

The decision to approve unsecured loans is made by the Bank's automated system or an authorized collegial body. Bank managers and employees do not participate in this process and cannot influence the decision. In each case, the decision is made individually and depends on your credit history and solvency.

How to repay a loan
  1. Top-up of a current account in the Nur24.kz mobile application, no commission.

In the "Accounts" section, select the required account and top it up using a Nurbank card.

  1. At Kazpost JSC branches, no commission

Loan repayment is available at Kazpost JSC branches, no commission is charged.

  1. By transfer from another bank using account details.

Commission according to the тарифs of the sending bank.

Account details can be found in the Nur24.kz mobile application.

How to perform the operation:

  • in the "Accounts" section, select the required account
  • in the "Additional information" section, copy the account number
  • when making a transfer, specify the payment purpose code (KNP): 343 (transfer of funds by a client from their current account in one bank to their current account in another bank).
  1. Repayment via cash desk by depositing cash at any Bank branch.

For what term can an unsecured loan be issued?

The minimum term is 12 months, the maximum term is 60 months.

What is the maximum loan amount available for external refinancing?

The maximum amount for external refinancing is up to 7,000,000 tenge.

Can a non-resident of Kazakhstan obtain a loan?

Loans are considered and granted only to residents of Kazakhstan. The bank considers the possibility of granting loans to non-residents of Kazakhstan if they have a residence permit.

What is the minimum monthly income required to qualify for a loan?

The confirmed income must be at least 150,000 (one hundred fifty) thousand tenge. In each specific case, the decision is made individually and depends on the quality of the credit history and your creditworthiness.

Can I deposit money to repay the loan several months in advance?

Yes. In this case, repayment will occur according to the payment schedule.

What documents are needed to obtain a loan?

For unsecured loans:

  • Identification document. 

For secured loans:

  • Identification document;
  • Collateral documents.

* The bank reserves the right to request additional documents.

What is the date of the first loan payment?

You can find out the date of the first loan payment in the Nur24.kz app and in the payment schedule of the loan agreement.

Is there a commission (penalty) for early (full/partial) loan repayment?

No, there is no commission for early loan repayment. However, the minimum amount for partial early repayment must be at least 3 (three) monthly payments. The number of partial early repayments is not limited.

Can I repay the loan early in the mobile application?

No. For this, you need to contact the Bank's loan manager

How to submit a request to change loan terms?

You need to contact the credit manager to submit a request to change loan terms.

How to execute a full early repayment?

To do this, you need to contact the Bank's credit manager to clarify the terms and amount of early repayment.

The payment was made through the terminal, but there was a technical failure and the money did not reach the account. What should be done?

You need to contact the nearest Bank branch or call the Contact Center at 2552. After confirming the technical failure and crediting the funds to the credit account, the payment will be settled according to the schedule, any penalty (if applicable) will be annulled, and a positive credit history will be maintained.

How to review the Bank's tariffs?

Tariffs

If I couldn't pay the loan on time/lack of funds, what amount should I pay?

You can find out the monthly payment amount in the Nur24.kz mobile app, as well as in the payment schedule for the loan agreement.

Within what time does the Bank inform the borrower of a delay?

The Bank notifies of a delay in fulfilling obligations and the need to make payments no later than 20 calendar days from the date it occurs, in the manner stipulated in the Bank loan agreement.

What happens if I forget to make a payment according to the DCL schedule?

Missing a payment can negatively impact your credit history. Remember to repay your loan on time. In case of a missed payment, the Bank imposes fines/penalties in accordance with the terms of the bank loan agreement.

What should I do if I have a delay?

We recommend you to repay the overdue debt.

What to do if your phone number/address of registration/residence has changed?

You need to update your personal information. Please visit the nearest Bank branch or notify the Bank in writing.

Bank Branches

Is it possible to apply for a loan without collateral online through Nur24.kz?

No. At present, all loans are processed through the branches of Nurbank.

Can I purchase real estate on the secondary market through Nurbank?

Yes, Nurbank offers its own mortgage lending program for purchasing secondary housing.

Who conducts the appraisal of collateral?

The initial appraisal of collateral is performed by independent appraisal organizations. The secondary appraisal is conducted by the Bank's branch appraisal service by visiting the location of the collateral to determine the adequacy of the independent appraiser's valuation.

Can I refinance a mortgage taken out from another bank?

Yes, the Bank offers refinancing for loans from other banks, provided there are no overdue debts. To refinance, please visit the nearest branch.

At what age can I apply for an unsecured loan/minimum and maximum age to apply for a loan?

From 21 years of age until reaching retirement age.

Can I purchase a car on credit through Nurbank?

Yes, our Bank offers several car loan programs:

  • For the purchase of a new car from partner dealerships;

  • For the purchase of a used car.

To consider a loan application, you need to contact a Bank branch.