Bad credit loans

9 offers from 7 MFOs · from 0.11% per day

MFOs that approve borrowers with past delinquencies. Timely repayment helps restore your Ishenim score.

How to get a loan

1
Choose an MFO
Compare amount, term and rate. New clients get the first loan at 0%.
2
Fill in the form
Passport, INN, phone and card number. It takes 5 minutes.
3
Pass verification
The MFO checks your data via Tunduk and requests an Ishenim report.
4
Sign the contract
An SMS code replaces your signature — the contract is emailed to you.
5
Receive the money
To any Kyrgyz bank card, O!Money or Elsom wallet in 5–15 minutes.

Secure

Data is protected to the PCI DSS standard and never shared with third parties

НБКР

FinMarketKG operates under the laws of the Kyrgyz Republic and works only with banks licensed by the NBKR

Free

Online

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Expert opinion

Bakyt Dzhumabekov · microfinance expert at FinMarketKG

A damaged history is not a verdict. Two or three small loans repaid on the day will raise your Ishenim score by 30–60 points in six months, and you will qualify for a bank loan again.

Frequently asked questions

Via the Ishenim bureau. But MFOs are more lenient than banks: only current arrears and active debts matter; old closed delinquencies are not critical.

Customer reviews

Read all reviews

Tez Akcha

First loan at 0% is real

Urgently needed KGS 10,000 before payday. Tez Akcha approved in 5 minutes; I repaid exactly 10,000 two weeks later with no interest.

Асель К., Бишкек · August 15, 2026

Salym Finance

Car-secured loan

Needed KGS 400,000 for business. Salym Finance issued it against my Lexus in 2 days; I kept the car. Rate 28%.

Кубат Т., Бишкек · June 18, 2026

Tez Akcha

First loan really is at 0%

Borrowed KGS 10,000 for 14 days via Tunduk ID, repaid exactly 10,000. The second one is 1% a day — pricey, but it tides me over until payday.

Бека Р., Бишкек · August 26, 2026

Mol Bulak

Group loan for our cooperative

Five families took KGS 150,000 each to buy fodder. Mol Bulak came right to the village and processed everything in a day. Rate 24%, we repay after selling livestock.

Жылдыз М., Нарын · August 24, 2026

Zaim.kg

Pushy calls after a late payment

Three days late — five calls a day and messages to my relatives. Overpayment on KGS 20,000 over 30 days came to 6,000. Never again.

Руслан Э., Бишкек · August 22, 2026

MoneyMan KG

Extension without penalties works

Couldn't repay KGS 25,000 on time, extended by two weeks in the app and paid interest only. Found no hidden fees.

Айнура Б., Каракол · August 20, 2026

Nur Credit

Pawn loan against gold

Urgently needed KGS 60,000. Nur Credit valued the gold at 5,200 som per gram and issued the loan in 20 minutes at 3% a month. Redeemed it a month later, no issues.

Бакытбек С., Ош · July 3, 2026