Bakai Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Bakai Bank suits individuals in Kyrgyzstan who want a personal loan arranged in the BAKAI app and paid the same day. The Cash Loan runs at an APR of 19.21% over terms of 3 to 36, with a listed same-day funding option.

Key facts

Best for
Individuals in Kyrgyzstan who want a personal loan decided in the app and funded the same day.
APR
19.21% (Source, checked September 26, 2026)
Loan amount
KGS 1,000,000 (Source, checked September 26, 2026)
Term
3 to 36 months (Source, checked September 26, 2026)
Funding time
Fully online in the BAKAI app, decision in 2 minutes or less (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Individuals in Kyrgyzstan; passport only (one document) for the Cash Loan (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
BAKAI BANK OJSC (Source, checked September 26, 2026)
Headquarters
Kyrgyzstan (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
bakai.kg

Apps and profiles

Get the app
App Store
Elsewhere
WikidataX

Pros and cons

Pros

  • The Cash Loan is applied for fully online in the BAKAI app, so the whole case is handled in one place
  • Terms run 3 to 36, so the repayment period is clear before the first instalment
  • Borrowing goes up to KGS 1,000,000, which covers an ordinary personal money need
  • BAKAI BANK OJSC holds a National Bank of the Kyrgyz Republic licence, 043

Cons

  • The APR of 19.21% sits above the site median of 12%, so the cost is higher than a typical personal loan here
  • The Cash Loan covers a single market, Kyrgyzstan, so borrowers elsewhere cannot apply
  • Support runs on phone and help centre, so help comes by phone or the help centre
Bakai Bank

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Individuals living in Kyrgyzstan who hold a passport only for the Cash Loan
  • Adults who want a loan decision in minutes without visiting a branch
  • People who check a licence number before applying, since a National Bank of the Kyrgyz Republic licence is listed

Who should look elsewhere

  • Anyone outside Kyrgyzstan, since eligibility is limited to individuals in Kyrgyzstan
  • Shoppers after the lowest rate, since 19.21% sits above the site median of 12%

How Bakai Bank compares

Where Bakai Bank is available

Available
Kyrgyzstan
Licence in Kyrgyzstan
National Bank of the Kyrgyz Republic (NBKR) (043), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Bakai Bank charge on the Cash Loan?+

The Cash Loan runs at an APR of 19.21%. That sits above the site median of 12%, so expect a higher rate than a typical personal loan on the site.

How much can I borrow from Bakai Bank?+

Borrowing goes up to KGS 1,000,000. The listed loan type is personal, and the terms available run 3 to 36.

How quickly is the Cash Loan funded?+

The loan is applied for fully online in the BAKAI app, with a decision in minutes. A same-day funding option is listed for the same loan.

Who can apply for a Bakai Bank loan?+

Eligibility is limited to individuals in Kyrgyzstan. For the Cash Loan, a passport is enough, with one document needed.

Is Bakai Bank regulated?+

BAKAI BANK OJSC is a direct lender, not a broker. It holds a National Bank of the Kyrgyz Republic licence, listed as 043.

What kinds of loan does Bakai Bank offer?+

The listed loan type is personal, and the Cash Loan is the product here. Terms on it run 3 to 36.

How do I reach Bakai Bank support?+

Support runs through phone and help centre, so a phone line and a help centre are available. The BAKAI app handles the application itself.

Where is Bakai Bank based?+

The bank is based in Kyrgyzstan, and eligibility is limited to individuals in Kyrgyzstan. Applicants living elsewhere fall outside its stated terms.

Sources

  • bakai.kg/en checked September 26, 2026

    Backs: Headquarters, Support channels, Licences

    “Head Office 56 Michurin Street, Bishkek, Kyrgyzstan.”

  • bakai.kg/en/credits checked September 26, 2026

    Backs: Lender type

    “Loans for Individuals in Kyrgyzstan | BAKAI ... Cash loan, Secured cash loan, Auto loan, Mortgage”

  • bakai.kg/en/credits/cash checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Funding time, Loan types, Term

    “Cash Loan ... Up to 1,000,000 KGS loan amount”

  • bakai.kg/en/documents checked September 26, 2026

    Backs: Legal entity

    “Terms and Conditions of Banking Services for Individuals BAKAI BANK OJSC”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check, Representative example.

Related by the facts

Bakai Bank

Bakai Bank

Individuals in Kyrgyzstan who want a personal loan decided in the app and funded the same day.

8.8/10See alternatives

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