Freedom Bank review

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

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Our verdict

Freedom Bank lends directly in Kazakhstan, with money credited to the card immediately after online approval and terms running 6 to 60 across personal, secured and car lending. It suits borrowers who hold collateral, since borrowing reaches KZT 9,500,000, well past the €876.96 across listings here.

Key facts

Best for
Borrowers in Kazakhstan with collateral who want a direct lender, fixed rates and same day money.
APR
23.2% to 34.5% (Source, checked September 26, 2026)
Loan amount
KZT 9,500,000 (Source, checked September 26, 2026)
Term
6 to 60 months (Source, checked September 26, 2026)
Arrangement fee
0 KZT (Source, checked September 26, 2026)
Funding time
Money credited to the card immediately after online approval (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Age 21-60 at application; collateral owned at least 1 month (car pledge: at least 3 months); Kazakhstan residents, and non-residents holding an e-Resident Kazakhstan status (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Secured, Car (Source, checked September 26, 2026)
Legal entity
AO Freedom Bank Kazakhstan (JSC Freedom Bank Kazakhstan) (Source, checked September 26, 2026)
Headquarters
Kazakhstan (Source, checked September 26, 2026)
Support channels
Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
bankffin.kz

Mortgages

Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
AO Freedom Bank Kazakhstan (JSC Freedom Bank Kazakhstan) (Source, checked September 26, 2026)
Headquarters
Kazakhstan (Source, checked September 26, 2026)
Support channels
Chat, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • Freedom Bank lends directly rather than through a broker, covering personal, secured and car lending.
  • The rate type is fixed and the model fixed rate, so instalments do not move with market rates.
  • Money is credited to the card immediately after online approval, and same day funding lists same day funding.
  • Free early repayment is available, and support covers chat, phone and help centre.

Cons

  • Collateral is required: eligibility needs property owned for a waiting period, and a car pledge longer still.
  • Lending covers a single market, since eligibility covers Kazakhstan residents and e-Resident status holders.
  • The annual rate runs 23.2% to 34.5%, above the 12% median for personal loans here, so a cheaper lender may suit better.
Freedom Bank

Ready to try Freedom Bank?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Borrowers in Kazakhstan who hold collateral and need money the same day.
  • Anyone planning to repay early, since free early repayment is available.
  • Shoppers who want a direct lender on fixed rates.

Who should look elsewhere

  • Not for borrowers after the lowest rate: Monzo Flex runs 10% to 23%, under Freedom Bank's 23.2% to 34.5%.
  • Not for borrowers weighing a wider rate band: Cashspace runs PHP 12 to PHP 36.
  • Not for borrowers chasing a no interest deal: Cashspace ES lists 0%.

How your money is protected

Freedom Bank is a direct lender, so loans come straight from the bank rather than a broker. It is listed with the Agency for Financial Markets and Development (ARDFR), Republic of Kazakhstan, under 1.2.253/45, and with the Agency for Regulation and Development of the Financial Market (ARDFR), Republic of Kazakhstan, under 1.1.108. Your contract is with the bank, not a broker.

The company behind it

The lender behind the loans is AO Freedom Bank Kazakhstan (JSC Freedom Bank Kazakhstan), based in Kazakhstan. It answers through chat, phone and help centre, so phone, chat and a help centre cover most questions. Supervision sits with the Agency for Financial Markets and Development (ARDFR), Republic of Kazakhstan, under 1.2.253/45.

How Freedom Bank compares

Where Freedom Bank is available

Available
Kazakhstan
Licence in Kazakhstan
Agency for Financial Markets and Development (ARDFR), Republic of Kazakhstan (1.2.253/45), checked September 26, 2026
Licence in Kazakhstan
Agency for Regulation and Development of the Financial Market (ARDFR), Republic of Kazakhstan (1.1.108), checked September 26, 2026

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

Frequently asked questions

What rate do I pay on a Freedom Bank loan?+

The annual rate runs 23.2% to 34.5% across the range, above the 12% median for personal loans on this site. The rate type is fixed, and the origination fee is 0 KZT, so a shorter term costs less in total.

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

Borrowing reaches KZT 9,500,000, with terms of 6 to 60. The personal, secured and car range means personal, secured and car lending, so a car can back the loan. Money reaches the card after approval.

Is my money safe with Freedom Bank?+

Freedom Bank is a direct lender, and it is listed with the Agency for Financial Markets and Development (ARDFR), Republic of Kazakhstan, under 1.2.253/45, and the Agency for Regulation and Development of the Financial Market (ARDFR), Republic of Kazakhstan, under 1.1.108.

Who can apply for a Freedom Bank loan?+

Applicants must be adults, resident in Kazakhstan or holding e-Resident Kazakhstan status, and hold collateral owned for a waiting period, longer for a car pledge. The rate applied is 23.2% to 34.5%.

Can I repay the loan early without a charge?+

Free early repayment is available, so settling the balance ahead of schedule carries no extra charge. That suits anyone with a windfall to put against the balance. Terms run 6 to 60, so there is time to plan instalments.

How quickly do I get the money?+

Approval is online and the money is credited to the card immediately afterwards, with same day funding listing same day funding. That suits an urgent bill, with 23.2% to 34.5% as the price of the speed.

What support do I get after taking a loan?+

Help runs through chat, phone and help centre, so phone, chat and a help centre are all listed. A call suits questions about a live loan, while chat is quicker for small changes. The lender is AO Freedom Bank Kazakhstan (JSC Freedom Bank Kazakhstan).

How does Freedom Bank compare with other lenders?+

Its rate of 23.2% to 34.5% is higher than Monzo Flex at 10% to 23% and Cashspace at PHP 12 to PHP 36, while Cashspace ES lists 0%. Against the 12% median for personal loans here the gap is clear.

Sources

  • bankffin.kz checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Licences

  • cash-loans.bankffin.kz/kk checked September 26, 2026

    Backs: Pricing model, APR, Eligibility, Free early repayment, Loan types, Arrangement fee, Origination fee (%), Rate type

  • loan-cash.freedombank.kz checked September 26, 2026

    Backs: Loan amount, Features, Funding time, Support channels, Term

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

Not confirmed yet: Credit check, Representative example.

Freedom Bank

Freedom Bank

Borrowers in Kazakhstan with collateral who want a direct lender, fixed rates and same day money.

9.1/10See alternatives

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