KICB review

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

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Our verdict

KICB suits borrowers in Kyrgyzstan who want a straightforward fixed-rate loan from a licensed bank, without paying the lowest price on the market. Its annual percentage rate of 19% is well above the site median of 12%, so cost is the trade-off to weigh against the range of loan types and the credit line.

Key facts

Best for
Borrowers in Kyrgyzstan who want personal, credit line, business or secured lending from a bank with a fixed rate.
APR
19% (Source, checked September 26, 2026)
Loan amount
KGS 1,000,000 to KGS 25,000,000 (Source, checked September 26, 2026)
Term
3 to 60 months (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Loan types
Personal, Credit-line, Business, Secured, Guarantor (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Closed Joint Stock Company "Kyrgyz Investment and Credit Bank" (Source, checked September 26, 2026)
Headquarters
Kyrgyzstan (Source, checked September 26, 2026)
Founded
2001 (Source, checked September 26, 2026)
Support channels
Phone, Email, Community (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line
Official website
kicb.net

Apps and profiles

Get the app
Google Play

Pros and cons

Pros

  • A direct lender offering personal, credit line, business, secured and guarantor loans
  • Fixed-rate pricing, listed under fixed, so repayments stay level
  • Licensed in Kyrgyzstan by the National Bank of the Kyrgyz Republic
  • A credit line sits alongside personal lending, with a feature listed under credit line

Cons

  • The annual percentage rate of 19% is above the site median of 12%
  • Support runs on phone, email and community, which lists phone, email and community channels only
  • The smallest loan is well above the site minimum, so smaller borrowers may not fit the amount range of KGS 1,000,000 to KGS 25,000,000
KICB

Ready to try KICB?

Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Borrowers in Kyrgyzstan who want a fixed-rate loan with a term of 3 to 60
  • Home improvement projects, the use case listed under home improvement
  • People who prefer dealing with the bank directly rather than a broker, as direct lender shows

Who should look elsewhere

  • Anyone looking for the cheapest rate, since the 19% sits above the site median of 12%
  • Borrowers who need live chat or a dedicated help centre, as phone, email and community does not list them

How KICB compares

Where KICB is available

Available
Kyrgyzstan
Licence in Kyrgyzstan
National Bank of the Kyrgyz Republic (NBKR) (046), checked September 26, 2026

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

Frequently asked questions

What rate does KICB charge on a personal loan?+

The annual percentage rate is 19%, and the pricing model is fixed, listed under fixed. That sits above the site median of 12% for the loans compared here, so cheaper options are listed among the alternatives.

How much can I borrow from KICB?+

The amount range runs KGS 1,000,000 to KGS 25,000,000, denominated in Kyrgyz som. The lower end is well above the smallest amounts on the site, so very small loans are not the focus of this range.

How long do repayments last?+

The term runs 3 to 60, which covers shorter borrowing periods and longer ones from the same bank. The site median term is 36, so this range can be shorter or longer than typical.

Is KICB regulated in Kyrgyzstan?+

Yes. KICB holds a licence from the National Bank of the Kyrgyz Republic, the regulator listed for Kyrgyzstan, under licence number 046. Its headquarters are in Kyrgyzstan, listed under KG.

What kinds of loan does KICB offer?+

KICB offers personal, credit line, business, secured and guarantor loans, all listed under personal, credit line and business. It lends directly, as direct lender shows, so applications go to the bank rather than to a broker.

How can I contact KICB?+

Support is available on phone, email and community, which lists phone, email and community channels. Live chat and a dedicated help centre are not part of that list, so borrowers who prefer chat should weigh that.

Is KICB a new bank?+

KICB was founded in 2001 and trades as a closed joint stock company, Kyrgyz Investment and Credit Bank. It is a direct lender, with lending handled in house rather than through a marketplace.

Sources

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.

KICB

KICB

Borrowers in Kyrgyzstan who want personal, credit line, business or secured lending from a bank with a fixed rate.

8.9/10See alternatives

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