Online loan

To receive an Online loan in the Jusan mobile application, your average monthly income must be at least the minimum wage established by the legislation of the Republic of Kazakhstan.

 To apply for an Online loan, you need to:

* choose Online loan on the main page in the Jusan mobile application;

* fill out a loan application form;

* wait for a Push notification about the Bank's decision.

The maximum amount of an Online loan in the Jusan mobile application is up to 8 000 000 tenge.

You can apply for an Online loan in the Jusan mobile application from 09:00 to 21:00.

To get an Online loan in the Jusan mobile application, you need:

•  an identity document;

Upon receiving a positive decision from the Bank, a payment card will be opened in the mobile application, to which credit funds will be credited, if it is not available.

There are no commissions for the organization of the loan.

Applications for an Online loan are considered if the clients are individuals-residents of the Republic of Kazakhstan who have reached the age of 18 and are not older than 70 years at the date of repayment of the loan.

The decision on an Online loan is issued by the Bank's automated system, the Bank's employees do not participate in this process and cannot influence the decision. In each specific case, the decision is made individually and depends on your loan history and solvency.

To pay the monthly payment, you need to replenish the repayment account specified in the Bank Loan Agreement before the monthly payment* date, in any way convenient for you.
The most convenient ways are:
• Branch of the Bank,
• Kassa 24, Yurta terminals,
• Replenishment of the card in Jusan ATMs with the Cash-in function,
• Transfer to an account from other STBs, between own accounts, within the Bank.
You can find out your repayment account in the "Loans" section of the Jusan mobile application, information about the loan in the "Repayment account" tab.

* According to the Public Agreement for servicing the individuals, funds for repayment of the monthly payment must be provided before 20.00 pm Astana time.

Monthly repayment of an Online loan payment by a 3rd person is possible. Early/partial repayment of an Online loan from a third party is possible only if there is a notarized power of attorney.

 If your monthly Online loan payment falls on a weekend, the payment is transferred to the first working day after the weekend.

To change the payment date for an Online loan, you must contact the Bank's branch. Commission for changing the payment date according to the bank loan agreement.

Early/partial repayment of an Online loan can be made in the Jusan mobile application or by contacting any Bank branch.

There are no commissions or penalties for early (full/partial) repayment of the Online Loan. 

You can apply for loan restructuring if, after receiving a loan:
• You have received a group 1,2,3 disability; 
• Your spouse and/or close relatives* have received a group 1,2 disability;
• The death of your spouse and/or close relatives*;
• You have been called up for military service;
• You have taken maternity leave or parental leave;
• You or your dependent has a disease**;
• You have been harmed by material damage (because of fire, flooding, natural disasters, military actions, state of emergency, etc.);
• You are participant of the "Enbek" program in the direction of interregional resettlement.

In the above cases, the Bank considers the possibility of granting restructuring on the basis of the relevant supporting documents provided by you.

* Close relatives are parents (parent), children, adoptive parents, adopted children, full and half-brothers and sisters, grandparents, grandchildren.
** Disease, which is included in the list of diseases, approved by the Order of the Minister of Health and Social Development of the Republic of Kazakhstan dated December 28, 2015 No.1033 "On approval of the list of diseases for which a period of temporary disability of more than two months is established".

You can apply for loan restructuring at any branch of the Jusan Bank.

There are no restrictions on the number of applications for an  Online loan in the Jusan mobile application.

* In each specific case, the decision on the loan is made individually and depends on the quality of the credit history and the solvency of the client. The client will be able to re-apply for an  Online loan in the Jusan mobile application immediately after completing the previous one.