Halyk Bank
Consumer Loan
Interest Rate
%17.5
Max. Term
84 mo
Loan Amount
7M ₸
Loan Calculator Kazakhstan: estimate monthly payments
Sali.kz is a free platform that compares banks and MFOs in Kazakhstan. Enter the loan amount and term to estimate your monthly payment and see relevant offers.
Calculate your monthly loan payment in Kazakhstan and compare bank and MFO offers. Enter amount and term — see options and apply in minutes, free on Sali.kz.
Monthly payment (annuity)Annual Effective Rate (AER)Overpayment
Transparent & Free
Your best options
Transparent results based on your chosen amount and term.
ForteBank
Consumer Loan
Interest Rate
%16.5
Max. Term
84 mo
Loan Amount
10M ₸
Kaspi Bank
Consumer Loan
Interest Rate
%19
Max. Term
60 mo
Loan Amount
5M ₸
Solva
Consumer Loan
Interest Rate
%60
Max. Term
24 mo
Loan Amount
500K ₸
KMF
Consumer Loan
Interest Rate
%36
Max. Term
36 mo
Loan Amount
8M ₸
Bank CenterCredit
Consumer Loan
Interest Rate
%18
Max. Term
84 mo
Loan Amount
8M ₸
Bereke Bank
Consumer Loan
Interest Rate
%18.5
Max. Term
60 mo
Loan Amount
6M ₸
Jusan Bank
Consumer Loan
Interest Rate
%19.5
Max. Term
60 mo
Loan Amount
8M ₸
Eurasian Bank
Consumer Loan
Interest Rate
%20
Max. Term
84 mo
Loan Amount
10M ₸
ATF Bank
Consumer Loan
Interest Rate
%21
Max. Term
84 mo
Loan Amount
7M ₸
MicroFinance
Consumer Loan
Interest Rate
%28
Max. Term
24 mo
Loan Amount
1.5M ₸
Bank CenterCredit
Consumer Loan
Interest Rate
%18 - 25Max. Term
84 moLoan Amount
100K ₸ - 8M ₸Sali is a comparison service — not a bank and we don't issue loans. Rates are approximate — verify with your bank.
What to check before choosing a loan
The calculator gives a realistic monthly estimate so you can quickly eliminate expensive offers.
- Compare AER, not just the headline interest rate.
- Review total repayment at your selected term.
- Keep monthly payments within a safe share of income.
Typical consumer-loan term24-60 months
Suggested payment capup to 35% of income
Sali comparison speedup to 2 minutes
Sample repayment schedule
Example for 1,200,000 ₸ over 24 months. Values are estimates for comparison only.
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | 64,800 ₸ | 47,300 ₸ | 17,500 ₸ | 1,152,700 ₸ |
| 6 | 64,800 ₸ | 50,900 ₸ | 13,900 ₸ | 906,400 ₸ |
| 12 | 64,800 ₸ | 55,800 ₸ | 9,000 ₸ | 584,900 ₸ |
| 18 | 64,800 ₸ | 60,700 ₸ | 4,100 ₸ | 233,300 ₸ |
Final lender terms depend on scoring, mandatory fees, and underwriting policy.
Annuity vs differential payments
Same payment each month. Easier for predictable budget planning.
- +Stable monthly amount
- +Common across banks and MFOs
- +Simple offer comparison
Higher payment at the start, then gradually lower as principal decreases.
- +Lower burden toward the end
- +Can reduce total overpayment
- +Works for stronger early cash flow
Real borrower scenarios in Kazakhstan
Family planning a major purchase
A family in Almaty compares bank options and chooses a term with a comfortable monthly payment.
Fast decision for urgent spending
A borrower compares bank and MFO options to cover a short-term need with lower overpayment.
How to use the calculator
Sali.kz is a free platform that compares banks and MFOs in Kazakhstan. Enter the loan amount and term to estimate your monthly payment and see relevant offers.
1
Enter amount and term
Type your loan amount and choose a term (months or years). The calculator will estimate your monthly payment.
2
Compare offers
Review bank and MFO options and compare APR/AER, fees, and total overpayment to pick the best fit.
3
Apply
Select an offer and proceed to the application. If needed, have your IIN and phone number ready for verification.
Glossary (plain language)
Monthly payment (annuity)
A fixed amount you pay each month. Early payments include more interest; later payments repay more principal.
Annual Effective Rate (AER)
An annual rate that includes interest plus mandatory fees. It helps you compare different loan offers fairly.
Overpayment
The extra money you pay on top of the loan amount over the full term. Longer terms usually increase overpayment.
Principal balance
The amount originally borrowed and still unpaid. Interest is charged on this remaining principal balance.
Total repayment
The full amount you repay by the end: principal + interest + mandatory fees. This is the clearest budget impact metric.
Early repayment
Paying part or all of the loan before maturity. It usually reduces total overpayment, especially when done early.
FAQ
How do I use the loan calculator?
Enter the loan amount and term, and (if available) select whether you want bank or MFO offers. You'll see an estimated monthly payment and offers to compare.
How is the monthly payment calculated?
Most loans use an annuity model with equal monthly payments. The estimate depends on the rate, term, and fees, and may differ from the lender's final approval terms.
Which is better: a bank loan or an MFO loan?
Banks often offer lower rates and longer terms, but may have stricter requirements. MFOs can be faster and simpler, but the effective rate and overpayment are often higher — compare the effective rate and total repayment.
What is the minimum loan amount in Kazakhstan?
It varies by lender and product: MFOs typically start lower, banks usually start higher. Check the ranges shown on Sali.kz and confirm on the lender's offer page.
Can I calculate before getting approved?
Yes. The calculator works without approval and without mandatory registration. It helps you understand the expected payment and overpayment before applying.
What is the Annual Effective Rate (AER)?
It reflects the real yearly cost of the loan, including interest and mandatory fees. It's the best way to compare offers with different fee structures.
How does a longer term affect overpayment?
A longer term usually lowers the monthly payment but increases total overpayment. Compare multiple terms to find the balance that fits your budget.
Is Sali.kz free to use?
Yes. The calculator and offer comparison are free for users. We list options from banks and MFOs so you can choose what suits you.