Eldik Bank review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Eldik Bank is a direct lender in Kyrgyzstan covering personal, credit line, secured and car loans, so it suits borrowers who want one bank for several jobs. House purchase and remortgage borrowing starts at 19% and holds for 10, which weighs against the 20% on personal credit.

Key facts

Best for
One direct lender in Kyrgyzstan for housing, personal, credit line and car borrowing.
APR
20% (Source, checked September 26, 2026)
Loan amount
from KGS 10,000 (Source, checked September 26, 2026)
Term
3 to 60 months (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Loan types
Personal, Credit-line, Secured, Car (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Eldik Bank Open Joint Stock Company (Eldik Bank OJSC) (Source, checked September 26, 2026)
Headquarters
Kyrgyzstan (Source, checked September 26, 2026)
Founded
1996 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Features
Credit line
Official website
eldik.kg

Mortgages

Initial rate
19% (Source, checked September 26, 2026)
Fixed period
10 years (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Eldik Bank Open Joint Stock Company (Eldik Bank OJSC) (Source, checked September 26, 2026)
Headquarters
Kyrgyzstan (Source, checked September 26, 2026)
Founded
1996 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
youtube.com

Pros and cons

Pros

  • Lends direct rather than through a broker, covering personal, credit line, secured and car loans under Eldik Bank Open Joint Stock Company (Eldik Bank OJSC).
  • A house purchase or remortgage can hold 19% for 10.
  • Terms of 3 to 60 let a borrower spread a loan out or clear it sooner.

Cons

  • 20% on consumer lending sits above the site median of 12%.
  • Borrowing starts at from KGS 10,000, so small short term sums are out of reach.
  • Support runs on email and phone only.
Eldik Bank

Ready to try Eldik Bank?

Scored 8.8 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers in Kyrgyzstan buying a home or remortgaging who want 10 at 19%.
  • People who want personal, credit line, secured and car loans from one direct lender.
  • Anyone funding home improvement work, listed under home improvement.

Who should look elsewhere

  • Not Monzo Flex, which quotes 10% to 23% on personal loans, if the rate is the deciding factor.
  • Not Cashspace, where PHP 12 to PHP 36 is worth weighing against Eldik Bank's 20% before applying.
  • Not Cashspace ES, listed at 0% for a personal loan, for a cost first comparison.

Who runs it

Eldik Bank Open Joint Stock Company is based in Kyrgyzstan and has been lending since 1996. It lends direct rather than through a broker, so the application, the decision and the running account sit with the same institution. Customer service runs on email and phone, so a borrower can raise questions about an existing loan directly.

How Eldik Bank compares

Where Eldik Bank is available

Available
Kyrgyzstan

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

Frequently asked questions

What rate does Eldik Bank charge on a personal loan?+

Personal lending is priced at 20%. That is above the site median of 12%, so it is worth lining up quotes before applying. Housing borrowing is priced separately, at 19% for the initial period.

How much can I borrow, and for how long?+

Personal borrowing starts at from KGS 10,000, and terms of 3 to 60 give room to spread or shorten the loan. That starting point suits a planned expense rather than a small emergency top up.

What kinds of loan can I get?+

Eldik Bank offers personal, credit line and secured, plus housing lending for a purchase or remortgage under purchase and remortgage. A credit line is listed as a feature, so a revolving facility sits alongside the term loans.

Can I get a mortgage or a remortgage?+

House purchase and remortgage are listed under purchase and remortgage, with an initial rate of 19% that holds for 10. The rate sits close to the 20% charged on personal lending, so check the total repayment figures before signing.

Can I borrow for home improvement?+

Home improvement is listed under home improvement, and it can run through the personal, credit line and secured range rather than a separate product. At 20% the consumer rate is the one to check first against the 19% housing rate.

Who does Eldik Bank suit?+

It is a direct lender based in Kyrgyzstan, founded in 1996, and it suits borrowers who want personal, credit line, secured and car borrowing from one bank rather than several. The fixed 10 housing period also helps anyone planning a purchase or a remortgage.

How do I get help with an existing loan?+

Customer service runs on email and phone, so questions on a running loan go by phone or email. Eldik Bank is a direct lender, so the bank that set the terms keeps the account day to day rather than passing it on.

Sources

  • eldik.kg checked September 26, 2026

    Backs: Headquarters, Legal entity

  • eldik.kg/credits checked September 26, 2026

    Backs: Use cases, Features, Lender type, Loan types, Support channels

  • eldik.kg/credits/potrebitelskoe-creditovanie checked September 26, 2026

    Backs: Term, Loan amount, APR

  • eldik.kg/ru/credits/kredit-na-zhile checked September 26, 2026

    Backs: Fixed period, Initial rate, Purpose

    “Housing loan (Кредит на жилье) purpose: purchase of housing, construction of housing, refinancing of mortgage loans, repayment of debt for purchased real estate”

  • eldik.kg/ru/info checked September 26, 2026

    Backs: Founded

    “ELDIK BANK was founded in 1996 to provide services to the population”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

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

Eldik Bank

Eldik Bank

One direct lender in Kyrgyzstan for housing, personal, credit line and car borrowing.

8.8/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings