Qanat 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
Qanat is a Kazakhstan lender aimed at borrowers with a steady income and a poor credit file, offering personal, payday and debt consolidation loans of up to KZT 176,500 with same-day funding. It suits short urgent needs, and the price of that speed is a term of 20 and an APR of up to 179%.
Key facts
- Best for
- Short-term borrowing in Kazakhstan with poor credit where speed matters.
- APR
- up to 179% (Source, checked September 26, 2026)
- Loan amount
- up to KZT 176,500 (Source, checked September 26, 2026)
- Term
- 20 months (Source, checked September 26, 2026)
- Credit check
- Hard (Source, checked September 26, 2026)
- Funding time
- Within 1 banking day after signing the loan agreement (Source, checked September 26, 2026)
- Representative example
- Loan 100,000 KZT at 5.60% for a 20-day period, repay 105,600 KZT in total (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
- Capable citizens of the Republic of Kazakhstan over 21 years old with a steady income (Source, checked September 26, 2026)
- Loan types
- Personal, Payday, Debt-consolidation (Source, checked September 26, 2026)
- Credit needed
- Poor (Source, checked September 26, 2026)
- Legal entity
- MFO Qanat finance LLP (TOO "MFO Qanat finance"), BIN 210 540 018 826 (Source, checked September 26, 2026)
- Headquarters
- Kazakhstan (Source, checked September 26, 2026)
- Support channels
- Email, Help-centre (Source, checked September 26, 2026)
- Pricing model
- Fixed rate
- Features
- Same-day funding
- Official website
- qanat.kz
Pros and cons
Pros
- Poor credit is accepted (poor) even though the check is hard, so a thin file is not a closed door.
- Early repayment is free, so clearing the balance sooner costs nothing extra.
- Same-day funding, with payout Within 1 banking day after signing the loan agreement once the loan agreement is signed.
- Fixed rates on personal, payday and consolidation loans (personal, payday and debt consolidation) keep monthly payments steady.
Cons
- The term is 20, so a balance of this size has little room to spread.
- Support runs on email and help centre only, with no phone line or live chat listed.
- The APR of up to 179% sits well above the payday loan median of 36.5% on the site.
Who it suits
- Adults in Kazakhstan with a steady income and a poor credit file who need cash quickly.
- People holding several balances to clear, as debt consolidation is a listed loan type.
- Borrowers able to settle the balance sooner rather than later, since early repayment is free.
Who should look elsewhere
- Borrowers wanting a longer repayment period than 20, who should look at Monzo Flex at 10% to 23%.
- Anyone who wants help on the phone, since support runs on email and help centre.
- Readers chasing a low rate, as Cashspace charges PHP 12 to PHP 36 and Cashspace ES lists 0%.
How Qanat compares
9.2 vs 8.9- 9.2 vs 8.7
8lends
Deudafix
9.2 vs 8.8
myKredit
9.2 vs 8.7Dineria MX
DKB (Deutsche Kreditbank)
- 9.2 vs 8.9
9.2 vs 9.4
5in5
9.2 vs 9.1
9.2 vs 8.9
9.2 vs 8.8Multitude
9.2 vs 8.6
9.2 vs 8.9
9.2 vs 8.5
Cashback Remortgage
9.2 vs 8.8
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1- 9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9TengeDa
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 8.6
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.3
9.2 vs 8.2Jeff.vn
Finbro
One Bridging Loans
MKB Bedrijfskrediet
Hypoteket
Renteradar
Bridgement
Mozzeno
Abakos
OneCredit KZ
MPOWA Finance
Srisawad
A money
Bom Pra Credito
Viva Credit
OK Zhongxun International
TF Bank EE
Crezu CO
Solcredito CO
Lendela SG
Meilleurtaux BE
Loan Hub India
Revolut
Where Qanat is available
- Available
- Kazakhstan
- Licence in Kazakhstan
- Agency for Regulation and Development of the Financial Market and Financial Institutions of the Republic of Kazakhstan (ARDFM), Almaty representative office (02.21.0087.M), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does borrowing from Qanat cost?+
Qanat's APR is up to 179%, steep next to the payday loan median of 36.5% across the site. Rates are fixed, so that figure does not drift while the loan runs, but the headline cost is high and the repayment window is short.
How much can I borrow and over what period?+
Loans reach up to KZT 176,500, with a repayment term of 20. The range covers personal loans, payday loans and debt consolidation, so the same cap applies to a consolidation of existing debts. Qanat is a direct lender, meaning the money comes from one named company.
How quickly will the money arrive?+
Same-day funding is a listed feature (same day funding), and the stated payout window is Within 1 banking day after signing the loan agreement. The cash follows the signing of the loan agreement rather than the moment of approval, so a decision made late in the day can still wait for the next banking day.
What credit history do I need?+
Qanat targets poor credit, per poor, and runs a hard credit check, so a refused application can be recorded against you. Eligibility rests on being an adult citizen of Kazakhstan with a steady income, which matters when the file is thin but income is regular.
Who regulates Qanat?+
Qanat operates in Kazakhstan as MFO Qanat finance LLP, registered with the 02.21.0087.M. It is a direct lender rather than a broker, so the contract sits with the company you apply to.
Can I repay the loan early?+
Early repayment is free, so clearing the balance before the agreed date adds nothing to the cost. That matters most given the short term of 20, because you are not paying for the remaining weeks you no longer need.
Can a Qanat loan consolidate other debts?+
Debt consolidation is one of the loan types listed for personal, payday and debt consolidation, alongside personal and payday loans. Consolidating replaces several balances with one fixed-rate loan, which makes the monthly outflow easier to see, and the cap of up to KZT 176,500 sets the ceiling on what can be cleared.
How do I reach customer support?+
Support runs on email and help centre, so email and a help centre are the routes. There is no listed phone line or live chat, which is worth weighing if you expect to chase a payment or a dispute. Questions on rates and timing sit in the help centre.
Sources
- qanat.kz checked September 26, 2026
Backs: Loan amount, APR, Features, Free early repayment, Lender type, Pricing model, Rate type, Representative example, Term
- qanat.kz/ru/documents checked September 26, 2026
Backs: Credit check, Loan types
- qanat.kz/ru/faq checked September 26, 2026
Backs: Credit needed, Eligibility, Funding time, Support channels
- qanat.kz/ru/kontakty checked September 26, 2026
Backs: Headquarters, Legal entity
- qanat.kz/storage/71213f11a131a1f7c18b7dc03c3f4b76613a2352... checked September 26, 2026
Backs: Licences
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Arrangement fee.