For the first time in Kyrgyzstan!
Now you decide the interest rate for your online loan.
DemirBank is launching a new promotional campaign that allows you to choose your preferred interest rate for an online loan.
How It Works
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Submit Your Application
Apply for an online loan through the DemirBank mobile application. - Select the Loan Amount and Term
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Choose Your Interest Rate
Select your preferred interest rate within the range of 0% to 19.99%, in 0.5% increments.While selecting the interest rate, the mobile application displays an estimated probability of approval. This information is provided for reference purposes only and does not constitute a guarantee of approval.
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Confirm Your Participation
You may change your selected interest rate an unlimited number of times until the application submission period ends.
For the daily review, only the last confirmed interest rate will be taken into account.
Every day at exactly 6:00 p.m., the Bank automatically reviews all applications submitted as part of the Campaign.
- Applications are reviewed in descending order of the selected interest rate.
- Applications are approved sequentially, starting with those requesting the highest interest rate, until the daily lending limit of KGS 2,000,000 is reached.
- If several participants select the same interest rate and the remaining daily lending limit is insufficient to review all such applications, priority will be given to the application registered earlier in the Bank's system.
The Bank's decision based on the daily review is final.
Campaign Results
Once the daily review has been completed, you will receive a push notification informing you of the result.
If your selected interest rate is approved, you must complete your online loan application within 24 hours of receiving the notification.
After this period expires, the offer shall become invalid.
If Your Selected Interest Rate Is Not Approved
If your selected interest rate is not approved within the daily lending limit, the Bank may offer you an online loan at an interest rate 1 percentage point below the Bank's current standard interest rate.
For example, if the Bank's standard annual interest rate is 19.99%, you may be offered an online loan at an annual interest rate of 18.99%.
Such an offer remains valid for 24 hours from the moment you receive the result.
Who Can Participate
The Campaign is open to:
- Individuals who meet the Bank's eligibility requirements for obtaining an online loan.
- Customers who have successfully passed the Bank's eligibility assessment for an online loan.
- Participants who have no more than one active application during a single calendar day.
Participation in the Campaign is voluntary and free of charge.
Terms and Restrictions
The Campaign does not apply to:
- Extended or restructured loans.
- Employees of the Bank, affiliated persons of the Bank, their spouses, and close relatives.
- Persons who have committed actions aimed at violating the Campaign Terms and Conditions.
Participation in the Campaign does not guarantee approval of an online loan.
The decision to grant an online loan is made by the Bank in accordance with its internal procedures and the legislation of the Kyrgyz Republic.
Information regarding the Campaign results will be sent to participants via push notification in the DemirBank mobile application.
Campaign Period: from 3 August through 31 October 2026, inclusive.
Ready to Choose Your Interest Rate?
Open the DemirBank mobile application, apply for an online loan, and choose the interest rate that suits you best.
The full Campaign Terms and Conditions are available in the DemirBank mobile application and via the following link: Campaign Terms and Condition.
APR up to 22.3%.