| Loan Currency | KZT |
| Loan Amount | from 500,000 to 7,000,000 ₸ |
| Loan Term | from 12 to 60 months |
| Loan Arrangement Fee | from 5,000 tenge |
| Fee for Application and Document Review | 0 tenge |
| Application Review Time | From 15 minutes |
| List of Documents for Application | Identification Document* |
* The bank reserves the right to request additional documents
| Annual Reward Rate | Annual Effective Reward Rate | |
| With Fees | 22,5% - 29,5% | 33,7% - 45,1% |
| Without Fees | 37,0% | 43,9% |
The reward rates are approved by the decision of the Asset and Liability Management Committee (Protocol No. 112-14 dated 17.10.2025)
| Annual Reward Rate | Annual Effective Reward Rate | |
| With Fees | 21,5% - 28,5% | 32,4% - 43,7% |
| Without Fees | 37,0% | 43,9% |
Reward rates approved by the Asset and Liability Management Committee (Protocol No. 112-14 dated 17.10.2025)
**This calculation is an approximate estimate of your monthly credit expenses and does not constitute a bank's commitment to provide a loan.
Please be aware that in case of a borrower's failure to meet obligations under the loan agreement and failure to satisfy the bank's demands arising from the notice to fulfill obligations under the loan agreement, the bank is entitled to take the following actions:
In addition to liabilities arising from the above measures implemented by the bank, the borrower also pays a penalty (fine) as defined in the loan agreement for violating obligations regarding the insurance of collateral, including its renewal or extension, obligations concerning credit usage, and other non-monetary obligations under the loan agreement, as well as compensates the bank for all losses exceeding the penalty associated with the borrower's breach of obligations under the loan agreement and the bank's debt recovery actions.
Please note, a borrower who is an individual may within thirty calendar days from the date of loan performance default visit the bank and/or submit in writing or otherwise as provided by the contract, a statement explaining the reasons for the delay, income, and other substantiated circumstances underlying their request to amend contract terms, according to Clause 1-1 of Article 36 of the Kazakhstan 'Banking Law.' Subsequently, within fifteen calendar days of receiving such a statement, the bank will review the proposed contract amendments by the individual borrower and communicate in writing or otherwise as provided by the contract about:
If the bank decides against changing the contract terms or fails to reach a mutually acceptable contract amendment with the individual borrower, within 15 (fifteen) calendar days from receiving the bank's decision, the borrower may apply to the Kazakhstan Agency for Financial Market Regulation and Development while simultaneously notifying the bank. Should the borrower fail to meet the bank's demand for payment under the contract, including overdue payments, according to Clause 2 of Article 36 of the Banking Law, the bank may uncontestably seize funds, including by presenting a payment demand, available on the borrower's bank accounts (if such seizure is stipulated in the contract), considering the limitations set by the Banking Law.
In cases where the borrower does not meet the bank's demand for payment, including unpaid debts, or fails to exercise rights as per Clause 1-1 of Article 36 of the Banking Law, or if there is no agreement between the individual borrower and the bank regarding contract amendments, under Clause 2-1 of Article 36 of the Banking Law, the bank may apply measures stipulated by Kazakhstani legislation and/or the contract, including but not limited to transferring debts for pretrial collection and settlement to a collection agency (if this right is provided in the contract), assigning claims under the contract to an entity listed in Clause 4 of Article 36-1 of the Banking Law, filing a lawsuit to collect the contract debt, and foreclosing on collateral out of court, except as provided by the Kazakhstan Law "On Real Estate Mortgage," or through court proceedings.
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.
The payment can be made through the Nur24.kz mobile app, Nurbank terminals, as well as through the cash desks in the Bank's branches.
The minimum term is 12 months, the maximum term is 60 months.
The maximum amount for external refinancing is up to 7,000,000 tenge.
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.
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.
Yes. In this case, repayment will occur according to the payment schedule.
For unsecured loans:
For secured loans:
* The bank reserves the right to request additional documents.
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.
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.
No. For this, you need to contact the Bank's loan manager
You need to contact the credit manager to submit a request to change loan terms.
To do this, you need to contact the Bank's credit manager to clarify the terms and amount of early repayment.
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.
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.
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.
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.
We recommend you to repay the overdue debt.
You need to update your personal information. Please visit the nearest Bank branch or notify the Bank in writing.
No. At present, all loans are processed through the branches of Nurbank.
Yes, Nurbank offers its own mortgage lending program for purchasing secondary housing.
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.
Yes, the Bank offers refinancing for loans from other banks, provided there are no overdue debts. To refinance, please visit the nearest branch.
From 21 years of age until reaching retirement age.
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.