In response to numerous customer requests, DemirBank is extending the special terms for consumer loans until December 28, 2026.
Now you have more time to make the plans you have been putting off a reality: upgrade your appliances, renovate your home, pay for education, travel, undergo a health check-up, or achieve other personal goals.
We have made the terms as flexible as possible so that you can easily achieve your goals. Choose the amount you need and a convenient loan term — and get the funds you need!
Why is this offer beneficial?
- Annual interest rate from 17% — clear and transparent terms that fit your budget.
- Up to KGS 500,000 — no collateral or guarantee required — minimum documentation and fast processing.
- Loan term of up to 5 years (60 months) — allowing you to plan comfortable monthly payments.
Full Terms and Conditions of the Offer
1. Do you receive your salary on a DemirBank card? Enjoy our most attractive interest rates!
| Loan Amount and Security Requirements | Loan Term | Interest Rate | ||
|---|---|---|---|---|
| Up to KGS 500,000
No collateral or guarantee required | • 6 to 36 months • 37 to 60 months | 17%
20% (for major home renovations) | ||
| KGS 500,000–700,000
A guarantee or collateral is required | • 6 to 36 months
• 37 to 60 months | 17%
20% (for major home renovations) | ||
| Over KGS 700,000
Collateral is required | • 6 to 36 months
• 37 to 60 months | 17%
20% (for major home renovations) | ||
2. Don't have a DemirBank salary card yet? Special terms are available to all customers!
Even if you are not a participant in DemirBank's payroll program, you can still take advantage of special terms to make your plans a reality:
| Loan Amount and Security Requirements | Loan Term | Interest Rate | ||
|---|---|---|---|---|
| Up to KGS 500,000
No collateral or guarantee required | • 6 to 36 months • 37 to 60 months | 18%
19% (for major home renovations) | ||
| KGS 500,000–700,000
A guarantee or collateral is required | • 6 to 36 months
• 37 to 60 months | 18%
19% (for major home renovations) | ||
| Over KGS 700,000
Collateral is required | • 6 to 36 months
• 37 to 60 months | 18%
19% (for major home renovations) | ||
Note: For loan amounts over KGS 700,000, collateral is mandatory. If collateral is provided, no additional guarantee is required.
How to Apply for a Loan Under the Special Offer
- Visit your nearest DemirBank office.
- Submit the minimum required set of documents.
- Get your loan approved and receive the amount you need!
Important: This special offer is available exclusively at the following DemirBank branches:
- DKIB-Karakol
- DKIB-Naryn
- DKIB-Talas
- DKIB-Kyzyl-Kiya
*Annual Percentage Rate (APR) from 18.7%.
Offer period: October 1, 2026 – December 28, 2026.
This offer is available for a limited time only! Take advantage of this attractive interest rate today!