Zaymer KZ review

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

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Our verdict

Zaymer is a Kazakhstan lender for adults who need a small personal or payday loan fast, with a hard credit check and the highest interest of the brands here. Interest runs at 43.75% to 46%, the arrangement fee is 0 KZT and early repayment is free, so the total cost is what decides it.

Key facts

Best for
Borrowers in Kazakhstan who need a small personal or payday loan and can pay a high rate for speed.
APR
43.75% to 46% (Source, checked September 26, 2026)
Loan amount
KZT 10,000 to KZT 300,000 (Source, checked September 26, 2026)
Term
12 months (Source, checked September 26, 2026)
Arrangement fee
0 KZT (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Within 5 minutes to bank card; 1 business day to bank account (Source, checked September 26, 2026)
Representative example
30,000 KZT for 100 days: repay 33,120 KZT, GESV 43.5% p.a. (Source, checked September 26, 2026)
Rate type
Variable (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 18-75, citizenship of the Republic of Kazakhstan, ID with biometrics and IIN, active mobile number and e-mail (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Payday, Business, Credit-line (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
LLP Microfinance Organisation Robokesh.kz (TOO MFO Robokesh.kz) (Source, checked September 26, 2026)
Headquarters
Kazakhstan (Source, checked September 26, 2026)
Founded
2020 (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre, Community (Source, checked September 26, 2026)
Features
Same-day funding, Credit line
Official website
zaymer.kz

Apps and profiles

Elsewhere
vk.com

Pros and cons

Pros

  • No arrangement fee, listed as 0 KZT and 0% on personal, payday, business and credit line loans.
  • Fast funding: within minutes to a bank card and a business day to a bank account.
  • Free early repayment, so clearing the balance early costs nothing.
  • A credit line sits alongside the personal, payday and business loan types, and support runs on phone, email and chat.

Cons

  • Interest of 43.75% to 46% is the highest of the brands here and well above the 12.25% typical of personal loans on the site.
  • The rate type is variable, so the interest charged on a loan can move, and the longest term is 12 months.
  • A hard credit check applies, and eligibility is limited to adults holding Kazakhstan citizenship, an ID with biometrics and IIN, an active mobile number and an e-mail.
Zaymer KZ

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Adults in Kazakhstan with a weak credit history who still need a personal or payday loan
  • Borrowers who want a small amount quickly, with a card funded within minutes
  • Sole traders and small businesses looking at a personal, payday and business offering including a credit line

Who should look elsewhere

  • Borrowers who want cheap borrowing, since 43.75% to 46% sits far above the 6.86% quartile on the site
  • Anyone without Kazakhstan citizenship, an ID with biometrics and IIN, or a hard credit check on file
  • People after a long repayment period, as terms stop at 12 months

How Zaymer KZ compares

Where Zaymer KZ is available

Available
Kazakhstan
Licence in Kazakhstan
Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan (AR RFR) (02.21.0032.M), checked September 26, 2026

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

Frequently asked questions

How much does a Zaymer loan cost?+

Interest runs at 43.75% to 46% and the arrangement fee is listed as 0 KZT on personal, payday and business loans. The rate type is variable, so the interest charged can move over the life of a loan. The representative example is 30,000 KZT for 100 days: repay 33,120 KZT, GESV 43.5% p.a..

What is the smallest and largest loan?+

Loan amounts run from KZT 10,000 to KZT 300,000. That range covers both the payday and personal products. A credit line is also available as one of the personal, payday and business types.

How long can I take to repay?+

The longest term is 12 months. That is shorter than the 48 median term for personal loans across the site. Early repayment is free, so a shorter term costs nothing extra to clear.

How fast do I get the money?+

Funding is within minutes to a bank card and a business day to a bank account. The same-day funding feature is one of the same day funding and credit line listed. Support is available on phone, email and chat.

Does Zaymer check my credit?+

Yes, a hard credit check is part of the application. The stated credit needed is poor, so lenders for thin credit files are the realistic fit. A hard credit check means a search is recorded against your file.

Is Zaymer regulated in Kazakhstan?+

Zaymer is a direct lender based in Kazakhstan, and it holds a licence issued under the Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan. The registered entity is LLP Microfinance Organisation Robokesh.kz.

Who can apply?+

Applicants must be adults, so a minimum age applies, and they must hold citizenship of the Republic of Kazakhstan. You also need an ID with biometrics and IIN, an active mobile number and an e-mail address.

Can I repay early without a charge?+

Yes, early repayment is free, which sets it apart from lenders that add a settlement fee. With a variable rate of 43.75% to 46%, clearing the balance early limits the interest you pay. The representative example shown is 30,000 KZT for 100 days: repay 33,120 KZT, GESV 43.5% p.a..

Sources

  • play.google.com/store/apps/details checked September 26, 2026

    Backs: Credit needed, Arrangement fee, Origination fee (%), Rate type

    “Take a loan now - credit history is not important! ... We issue the first loan without refusal at only 0.10% (GESV - 0.10%)”

  • zaimer.kz checked September 26, 2026

    Backs: Free early repayment

    “Flexible repayment terms - early repayment of microloans is possible”

  • zaimer.kz/about checked September 26, 2026

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

    “The company was registered on 10 September 2020”

  • zaimer.kz/about/documents checked September 26, 2026

    Backs: Features, Loan types

    “Agreement on provision (opening) of a credit line; application decisions in automatic mode within five minutes”

  • zaimer.kz/help checked September 26, 2026

    Backs: Loan amount, Credit check, Eligibility, Funding time, Support channels, Term

    “The microloan amount can be from 10,000 tenge to 300,000 tenge”

  • zaimer.kz/news checked September 26, 2026

    Backs: APR, Representative example

    “GESV on a microloan issued at 37.96% p.a. - from 43.75%, but not more than 46%, depending on the term of the microloan”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Zaymer KZ

Zaymer KZ

Borrowers in Kazakhstan who need a small personal or payday loan and can pay a high rate for speed.

9.0/10See alternatives

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