ELCART and VISA revolving cards for individuals

Manage your life yourself, not by circumstances! This will be possible with our loans. Receive loans for anything you want without guarantee and without excessive documents.

Advantages

  • The revolving line is opened on ELCART and/or VISA cards;
  • Our revolving card allows the use of any amounts within the given limits;
  • Possibility to receive a card with an interest-free period up to 30 days. The grace period rate is 0%;
  • The interest rate is accrued solely on the used part of the limit;
  • When the principal part has been repaid, the available limit grows again;
  • Paying for a product or service with our fixed-rate revolving card, you get Cashback in the amount of 5% of the purchase!

Terms

  For payroll cards holders of the Bank For all individuals
Loan currency: KGS
Type of credit line: revolving
Line amount: up to 3 payrolls up to 2 payrolls
Line period: to 37 months to 25 months
Interest rate: At Buyer’s option:
- Fixed rate for the whole period - 25% per annum + Cashback in the amount of 5% of the purchase
- The grace period rate up to 30 days - 0% since the date of the purchase or cash withdrawal by the 1st day of the following month. Within the main period - 28% per annum.
At Buyer’s option:
- Fixed rate for the whole period - 27% per annum + Cashback in the amount of 5% of the purchase
- The grace period rate up to 30 days - 0% since the date of the purchase or cash withdrawal by the 1st day of the following month. Within the main period - 30% per annum.
Arrangement fee: absent
Fee for issuing a revolving card: absent
Cash arrangement fee: With a free-cash payment, fee is absent

By Elcart - 1% of the cash loan from ATM of any bank;
By VISA – 1% within the Bank network and friendly network, 1,5% in other banks (min. 300 KGS)
Collateral: to 50,000 KGS – without guarantee
above 50,000 KGS – 1 guarantor;
above 300,000 KGS – real estate mortgage.
to 50,000 KGS – without guarantee
above 50,000 KGS – 1 guarantor;
above 100,000 KGS – real estate mortgage.
Loan repayment: - Minimum payment - monthly 10% of the outstanding amount.
- Advanced repayment at all reasonable time and in any amount without prior notice.
Processing period and granting of loan: Elcart card within 1-2 days since presenting all documents
VISA card – within 3-4 days since presenting all documents

Basic primary document package

By loans to 50,000 KGS:

  1. Passport, spouse's passport, marriage certificate;
  2. Payroll statement with indication of social and tax deductions for the recent 6-12 months of the Borrower.

By loans above 50 000 KGS:

  1. Passport, spouse's passport, marriage certificate;
  2. Guarantor’s passport, spouse's passport of the guarantor, marriage certificate;
  3. Payroll statement with indication of social and tax deductions for the recent 6-12 months of the Borrower and the Guarantor.
Calculation of effective annual percentage rate is by each case individually. The loan expert can give consultation.
For the detailed information, you can call: +996 (312) 90 50 50, 90 54 66, 90 06 20, 44 00 99.

Revolving card for individuals application

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