In pursuit of a customer, banks strive to create an extremely easy and convenient service. For this reason, banking services are gradually being transferred to the online space. With a few clicks on the phone screen, you can order the issue and delivery of a new card, open a deposit, pay a loan, make a transfer to another person and much more. At the end of 2018, one of the flagship banks of Kazakhstan - Kaspi Bank - announced the launch of an online lending service without visiting a branch. This article will help you learn how to quickly and easily get a loan from Caspian Bank via the Internet.
About Kaspi Bank
Caspi Bank is one of the largest banks in the Republic of Kazakhstan. As of the beginning of 2019, Kaspi Bank is leading among other banks in this country in terms of retail loan portfolio. One of the main tasks of the company is to become the most convenient bank for customers. To this end, the financial institution pays special attention to providing simple and easy conditions of service. About 204 branches and offices, 1,200 ATMs and 4,500 Kaspi Bank self-service terminals operate throughout Kazakhstan. Bank branches are open for customers seven days a week, and the bank’s mobile contact center is open around the clock.
Credit requirements and conditions
You can apply for a regular cash loan at a branch or take out a loan from Caspian Bank online under the following conditions:
- interest rate - from 20.95% to 26.95% (HESB from 23.6% to 33.6%);
- commission - from 1.19% to 2.95%;
- loan amount - from 20,000 to 1,000,000 tenge;
- registration term - from 1 month to 4 years;
- partial or full early repayment of the loan is allowed, without fines;
- cash withdrawal of credit funds - no commission.
A potential borrower must meet the following requirements:
- Documents. Only one document is required - an identity card, a passport of the Republic of Kazakhstan, a residence permit or an internal certificate of a stateless person.
- Age. You can apply for a loan from the age of 18. The maximum allowable age is not regulated by bank lending rules.
- Income. To receive a cash loan in Kaspi, you do not need to have pension contributions, proof of salary or other types of income.
- Work experience. The Bank does not impose requirements for minimum length of service.
- Pledge. The provision of collateral is not required.
To get a cash loan in Kaspi, you need a phone with the current number of one of the operators in Kazakhstan, and to take an Internet loan from Caspian Bank, you need a smartphone running Android or iOS.
Kaspi.kz application
Kaspi.kz service is a service for bank customers that opens online access to service. The application allows you to:
- apply for a loan at the Caspian Bank via the Internet;
- Get information on existing loans, cards and deposits;
- pay for services and make payments;
- transfer money from Kaspi Bank debit cards to Visa and Mastercard cards of any banks of the Republic of Kazakhstan, including other Kaspi customers;
- block and unblock payment cards, manage the limit on transactions with them;
- Get information about the location of Kaspi branches, ATMs and terminals;
- use the service "Kaspi Shop".
The program is available for download in AppStore and Android mobile app stores. For new customers, registration is provided by phone number already in the bank database. There is the possibility of quick login for registered users - by fingerprint using Touch ID technology or by entering the 4-digit code set previously.
For unauthorized users, the application allows you to find out the addresses of the nearest ATMs, terminals and branches, get information about the services and products of the bank, the Kaspi Red affiliate network and current promotions.
How to get a loan at Caspian Bank via the Internet?
Online loan application is available for regular customers with a positive credit history. In order to get a loan at Caspian Bank via the Internet, you need to follow these steps:
- log in to the Kaspi.kz application;
- in the section "My Bank" or on the main page, click on the link "Getting a cash loan";
- follow further instructions of the system.
The decision on the application is made almost instantly - within 1 minute. The answer will be available in the Kaspi mobile application. In some cases, you will need to visit the Kaspi office to sign documents.
If the answer is no, you can try to get a loan from Caspian Bank via the Internet after a while. There are no restrictions on the number of applications for a loan.
Where can I get the money?
In case of a positive decision of the bank, funds for the approved loan can be obtained at any Kaspi ATM. This must be done within three days. Otherwise, the loan application is subject to cancellation. Interest on the loan begins to accrue exactly from the day when the amount of money on the loan was received.
To issue funds in the Kaspi ATM menu, you need to:
- select the item "Credit, credit card";
- go through the authorization procedure through the Kaspi.kz service on the phone using the Kaspi QR service or by entering the IIN;
- Click "Get cash loan";
- follow further system instructions.
Upon completion of the operation, the ATM will issue a full loan. No cash withdrawal fee. An SMS notification will be received on the client’s phone on receipt of the loan amount.