Consumer loans


The Bank offers you to avail of consumer loan, obtaining which will enable you to purchase a vehicle, furniture or household equipment, repair apartment or house, pay for education or go for vacation. Consumer loan will enable to implement your plans in the shortest period of time and with no unnecessary difficulties.

Conditions applicable to provision of consumer loan:

  • Currency: som/USD
  • Credit amount: from 10,000 soms to 5 million soms
  • Interest rate*: KGS – from 35%, USD – from 21%
  • Credit term: from 3 months to 3 years
  • Own contribution: 20%
  • Guarantee: the credit amount up to 150,000 soms has to be secured by personal property and surety; the credit amount over 150,000 soms has to be secured by real estate.
  • Guarantee of a credit secured by surety of two people with the credit amount of 150,000 soms is possible with the credit term up to one year.

Requirements for a borrower:

  • Age- from 18 to 65 years
  • Presence of permanent income
  • Presence of entrepreneurial activity experience not less than 3/6 months;

The list of main documents:

  • Copy of debtor’s and his/er wife’s (husband’s) passport with registration.
  • Copy of the marriage certificate
  • Other documents confirming family’s income (when present)
  • Certificate of employment and income for the last 12 months (when present)
  • Constitutive documents and datasheet for the collateral (when collateral is needed)

Additional documents for entrepreneurs:

  • Registration certificate of a private enterprise or patents
  • Other documents that can directly or indirectly confirm the fact of gaining income (turnover in the cash book, internal accounting records etc.)

You can find the address and contact phone number of the closest Bai Tushum Bank office in section “Contacts” or find out in Bank’s Call center using the phone number: (312) 905 805.

* effective interest rate is from: KGS- 38,21%  USD – 25,40%