Tengebai review

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

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Our verdict

Tengebai is a Kazakhstan payday lender for borrowers with poor credit who need a small sum fast.

Key facts

Best for
A small short-term bridge for borrowers with poor credit in Kazakhstan.
APR
29.3% to 45.7% (Source, checked September 26, 2026)
Loan amount
KZT 10,000 to KZT 300,000 (Source, checked September 26, 2026)
Term
7 to 20 months (Source, checked September 26, 2026)
Arrangement fee
0 KZT (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
1-5 minutes to bank card after contract signing by SMS code (Source, checked September 26, 2026)
Representative example
100,000 KZT microloan for 20 days at GESV up to 45.7%, total repay 101,416.67 KZT (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
18+, Kazakhstan citizenship or residence permit, valid ID with IIN, bank card in the applicant's own name, Kazakh mobile number (Source, checked September 26, 2026)
Loan types
Payday (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
LLP Microfinance Organization TodayFinance Kazakhstan (BIN 210840019151) (Source, checked September 26, 2026)
Headquarters
Kazakhstan (Source, checked September 26, 2026)
Founded
2022 (Source, checked September 26, 2026)
Support channels
Email, Phone, Chat, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
tengebai.kz

Apps and profiles

Get the app
Google Play
Elsewhere
instagram.com

Pros and cons

Pros

  • No upfront charge, as the origination fee is 0 KZT.
  • Free early repayment, so clearing the balance ahead of schedule costs nothing extra.
  • Payout in 1-5 minutes to bank card after contract signing by SMS code to your own bank card, with same-day funding listed as a feature.
  • Soft prequalification rather than a hard search, and the stated credit requirement is poor.

Cons

  • The cost of 29.3% to 45.7% sits above the 18% recorded for payday loans on the site, so speed is priced highly.
  • Terms run 7 to 20, so repayments come round quickly and there is little room to stretch a balance over a longer period.
  • A single market product: applicants need a minimum age, Kazakhstan citizenship or a residence permit, valid ID with an IIN, a bank card in their own name and a Kazakh mobile number.
Tengebai

Ready to try Tengebai?

Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Borrowers with poor credit who need a small amount quickly rather than a large, long loan.
  • Residents of Kazakhstan holding a bank card in their own name and a local mobile number.
  • People who expect to clear the balance early and pay no extra for doing it.

Who should look elsewhere

  • Anyone shopping on price alone, since Andacredito lists 0% to 36%.
  • Readers who can settle for a lower headline rate, as Cashspace shows PHP 12 to PHP 36.
  • Borrowers who need a long repayment period or a revolving line, because terms here run 7 to 20.

How Tengebai compares

Where Tengebai is available

Available
Kazakhstan
Licence in Kazakhstan
Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market (ARRF / QNRDA) (14.26.0001.M), checked September 26, 2026

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

Frequently asked questions

What rate do I pay on a Tengebai microloan?+

Tengebai lends payday microloans at a cost of 29.3% to 45.7%, and the origination fee is 0 KZT, so nothing is added simply for taking the loan out. The published representative example shows a microloan repaid over a short period for a little more than the amount borrowed.

Can I repay early without a penalty?+

Yes. Early repayment is free, so clearing the balance before the agreed end date costs nothing extra. That matters more here than usual, because the schedule is short and the cost of 29.3% to 45.7% is high, so an early exit cuts the interest quickly.

How fast does the money reach my account?+

Funding takes 1-5 minutes to bank card after contract signing by SMS code, and same-day funding is listed as a feature. You sign the contract by SMS code and the money goes to a bank card in your own name, so the card and the code are part of how the payout works.

Does Tengebai run a full credit check?+

The check is soft prequal, a soft prequalification rather than a full credit search, and the stated credit requirement is poor. Applicants with a thin or damaged credit history can still be put forward, though any decision remains the lender's own.

Who can apply for a Tengebai loan?+

Applicants need a minimum age, Kazakhstan citizenship or a residence permit, valid ID carrying an IIN, a bank card in their own name, and a Kazakh mobile number. Because the requirements sit around Kazakhstan documents and a local number, this is a domestic product.

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

Loans run KZT 10,000 to KZT 300,000 and terms run 7 to 20. The product is a payday microloan under payday, so it suits an urgent gap between paydays rather than a purchase or a debt that needs clearing over a longer stretch.

How do I get help once I have an account?+

Support runs on email, phone and chat, which covers email, phone, chat and a help centre, so a question about a payment or a contract does not have to go through a form alone. Several routes mean you can pick the one that suits the urgency.

Sources

  • tengebai.kz checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Loan types, Support channels

  • tengebai.kz/about checked September 26, 2026

    Backs: Credit needed, Founded, Headquarters, Legal entity, Lender type, Licences

  • tengebai.kz/faq checked September 26, 2026

    Backs: Credit check, Features, Free early repayment, Funding time, Arrangement fee, Term

  • tengebai.kz/kak-poluchit-mikrokredit checked September 26, 2026

    Backs: Representative example

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

Tengebai

Tengebai

A small short-term bridge for borrowers with poor credit in Kazakhstan.

8.9/10See alternatives

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