The Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan announced that a mandatory “decision-making” period will apply to unsecured online consumer loans from 30 September 2025, delaying disbursement to give borrowers time to reconsider and reduce the risk of rushed borrowing or fraud. For bank loans from 150 to 255 monthly calculation indices (AEK) (KZT 589,800 to KZT 1,002,660), funds may be transferred no earlier than eight hours after the loan agreement is concluded; bank loans above 255 AEK and microcredits above 75 AEK (KZT 294,900) are subject to a minimum 24-hour period. Disbursement is permitted only after the period has elapsed and the borrower has reaffirmed consent, and banks and microfinance organisations must apply the rule where several loans issued within one day exceed the relevant thresholds in aggregate. The measure does not apply to commodity credits, internal refinancing or borrowing within a payment card limit up to 150 AEK; if the borrower changes their mind during the period, the contract is cancelled and no funds are transferred, while in-branch loans can still be arranged without the decision period.
Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan 2025-09-05
Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan mandates an 8 to 24 hour decision period for unsecured online consumer loans
Starting 30 September 2025, Kazakhstan's Financial Market Agency will enforce a mandatory decision period for unsecured online consumer loans. Bank loans between 150 and 255 AEK and microcredits above 75 AEK will face an eight to 24-hour disbursement delay, requiring borrower reaffirmation. This aims to reduce rushed borrowing and fraud, excluding commodity credits, internal refinancing, and borrowing within a payment card limit up to 150 AEK.