Loan for a pre-owned car

  • From individuals – foreign-made cars, excepting cars manufactured in China, Russia and the CIS states
  • From the Bank partners - foreign-made cars, including cars manufactured in China, Russia and the CIS states. The producing country is determined by the place of registration of a car make.


Downpayment from 20%

Loan term from 12 months

Tariff discounted if a co-borrower is attracted

Loan issuance terms

Lending currency


Loan amount

from 200, 000 to 12, 000, 000 tenge

Loan term

Up to 60 months


From 20%

Interest rates*

Product without fees

  • For purchase of pre-owned cars without charging fees: from 26.68% (AERR from 30.2%)


A purchased vehicle

Maximum loan amount

  • For individuals — 7, 200, 000 (seven million two thousand) tenge;
  • For Bank partners and non-performing borrowers/pledgers of the Bank – 15, 000, 000 (fifteen million) tenge, but not more than: 80% of the car price.

The terms of the car exploitation

Not more than 15 years (depending on the producing country)

Russia, China, CIS – not more than 5 years


Security insurance – voluntary vehicle insurance (KASKO) shall be at the expense of the Bank (if otherwise provided by the terms of the product of the loan).

*depending on the loan term, vehicle, loan amount

Last changes dated 4 October 2017, according to the Extract from the Questionnaire No. ГКК-2017-2-1191 of the Main Credit Committee meeting.

Requirements for the client

  • Age – over 21 years old, must not be above the retirement age (58 years for women, 63 years for men) by the expiration date of the Bank loan agreement. Below 65 years of age (with the loan amount up to 5,000,000 (five million) tenge), with obligatory participation of the co-borrower whose age must not exceed the retirement age at the expiration date of the agreement.
  • The nationality of the Republic of Kazakhstan with permanent residence and employment within the territory of the Republic of Kazakhstan
  • Certification of uninterrupted pension contributions for the last 6 (six) months
  • If the client is a retired person, according the law of the Republic of Kazakhstan on pension provision, the Co-borrower is required
  • Loan is issued only at the place of residence registration, excepting loans, issued at car dealers of BIPEK AUTO Kazakhstan LLP, Astana Motors KMC, ASIA AUTO JSC, UzDaewoo JV, Merkur Auto LLP, Avtomir Tsentr LLP, Aster Auto LLP, Miraba Group LLP, Auto Trader LLP, Royal Cars LLP, Almaty Ato LLP, Ural-Krov-Auto Plus LLP, AstekAuto LLP, ALLURE AUTO GC LLP

Loan repayment

Methods of repayment

  • Via Smartbank mobile app
  • Via Bank terminals
  • Via cash desk at the Bank outlet

Early repayment

  • Partial and full early repayment
  • No fines and fees
  • No limit for repayment amount

The possibility of obtaining 

loan for 1 day

Do you need a consultation?


+7 (771) 000 7722


+7 (700) 000 7722


+7 (702) 010 7722

mobile app

Ваш город: Алматы.

Получить консультацию


Ваша заявка принята. Наш менеджер перезвонит Вам в самое ближайшее время для уточнения деталей.