Overdraft

Easily secure your finances

Prioritize your financial safety by utilizing the Elkard’s features.

Your Salary, Your Convenience

Experience the convenience of accessing up to 100% of your salary with our Elkart card overdraft. The smart, flexible, and profitable way to make the most of your earnings.

  • No Extra Hassle
    Keep it simple with your payroll card – no need for additional credit cards or worrying about maintenance fees.

  • Seamless Connectivity
    Connect once and enjoy the flexibility of using Elkart overdraft repeatedly throughout the year, repaying the short-term loan at the end of each month.

  • Worry-Free Repayment
    Forget the worries of timely repayments – our overdraft is automatically deducted as soon as your account is topped up or your salary/payment arrives.

  • Minimal Overdraft Costs
    Our minimal-term overdraft ensures affordability and ease of repayment.

Your Loan, Your Terms

Experience financial freedom with a loan that adapts to your needs, providing personalized terms and conditions for a seamless borrowing experience.

  • Transparent Rates
    Benefit from a basic rate of 28.56%* per annum for cash operations, a rate of 32.64% per annum during delayed repayment, and a fee for overdraft cashing per the bank’s tariffs. The effective interest rate stands at 31.89%.

  • Currency Convenience
    All transactions are conducted in Kyrgyz Soms, ensuring currency convenience for your financial dealings.

  • Choose Your Timeline
    Tailor your repayment schedule with a validity period of up to 36 months, aligning with the card’s validity but not exceeding it.

  • Extended Grace
    Take advantage of an extended grace period, granting you up to 40 days from the date of the transaction before repayment begins.

  • Tailored Amount
    Customize your borrowing experience with loan amounts ranging from 5,000 to 150,000 soms.

  • No Collateral Required
    Experience hassle-free borrowing with no collateral is required, allowing you to borrow with confidence.

Manage Repayments with Ease

Effortlessly handle overdraft repayments, making your financial transactions straightforward and stress-free.

  • Flexible Repayment
    Repay the loan principal at your convenience, restoring your credit limit with each repayment.

  • Automatic Settlement
    Accrued interest is settled automatically each month and can be paid at your request.

  • Convenient Repayments
    Repay through bank offices or internet banking, offering flexibility in your repayment journey.

  • Grace Period
    Experience a grace period of up to 40 days from the transaction date.

Loan Application Process: Step by Step

Experience an application process built on trust, efficiency, and your unique needs

  • 1

    Online application
    When you submit your online application, our staff will contact you on product selection and required documents.

  • 2

    Branch selection
    After the consultation, we will invite you to the nearest branch.

  • 3

    Signing the contract
    Visit the selected branch, sign the contract, and receive your loan.

Start your application

ATTENTION! Having filled in this application, you will be able to get a loan in any convenient Branch of the Bank, if you want to get ONLINE LOAN follow the link.

This application form is available in Russian or Kyrgyz only.

Frequently Asked Questions

Yes, zero interest is applicable only during the grace period for non-cash transactions. Withdrawals will incur interest, detailed on our website. Delays in repayment may result in higher interest rates.

Yes, once opened, the overdraft remains accessible for the specified period, up to a maximum of 36 months. However, it aligns with the card’s expiry; if the card expires earlier, the overdraft closes.

Yes, the overdraft is linked to the card. If your card expires before the overdraft period, both will close. Upon receiving a new card, you can apply for a new overdraft.

We are always happy to talk!

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