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Refinancing of unsecured loans
Interest Rate 11,8-33% (AEIR 24,43-46%)
Up to ₸8 mln
loan amount
Up to 60 months
loan tenor
No fee
for application processing and loan disbursement
Refinancing terms and benefits
Reduce your monthly payment and loan interest rate
Lending terms
Refinancing of an existing unsecured loan issued in KZT at another second-tier bank
Combine multiple loans into one single loan
Get extra funds
Optimize your expenses and payments
Refinancing terms and conditions
| Loan currency | KZT | |
| Interest rate | Interest Rate 11,8-33% | |
| Loan amount | Up to KZT 8,000,000 | |
| Loan tenor | Up to 60 months | |
| Application processing and loan arrangement fee | - Fee for the refinanced amount - 0% - Fee for additional amount (amount in excess of the refinanced amount) - 5% | |
| Early repayment | 1% of the repayment amount (charged if repaid within 6 (six) months from the date of a loan extended for a period up to 1 (one) year, and if repaid within 1 (one) year from the date of a loan extended for a period over 1 (one) year. The tariff rate is not charged within 14 calendar days from the Contract date. | |
| Borrower Eligibility Requirements | The individual's uninterrupted length of service must be at least 6 (six) months, no current overdue debts on the refinanced loan, and on other liabilities (if any). | |
* AEIR from 24,43%
The Bank may request an additional package of documents
Frequently Asked Questions
The decision on Refinancing is made by the Bank's automated system, the Bank employees are not involved in this process and cannot influence the decision. In each specific case the decision is made individually and depends on your credit history and solvency.
Payment can be made on the BCC.KZ mobile app, via terminals and ATMs of the Bank and Kassa24, Yurta, as well as in JSC Kazpost offices
It is allowed to refinance unsecured loans from other second-tier banks (STBs), and additional financing is possible after refinancing from other STBs.
The total amount of refinancing and new funding must not exceed the maximum amount. The Borrower's loans to other STBs, with the loan tenor over 3 months, for which at least 3 (three) months have passed from the disbursement date at the time of application to the Bank, are subject to refinancing.
* Unsecured loans issued at JSC Bank CenterCredit are not refinanced.
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