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MegaPay review

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

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Our verdict

MegaPay suits people in Kyrgyzstan who can reach a MEGA office for a single identity check and then apply in the app. Its fixed rate of 20.75% sits above the personal loan median of 14.43%, so the cost of the money is the trade-off to weigh first.

Key facts

Best for
Kyrgyzstan residents wanting a fixed rate personal loan paid straight to a virtual card.
APR
20.75%↗
Loan amount
KGS 5,000 to KGS 200,000↗
Term
3 to 36 months↗
Rate type
Fixed↗
Lender type
Broker↗
Eligibility
One-time identity verification at a MEGA office, then application in the MegaPay app; decision made by Eldik Bank; loan credited to the MegaPay virtual card↗
Loan types
Personal↗
Legal entity
OsOO Kyrgyzmobilecompany (LLC Kyrgyzmobilecompany)↗
Headquarters
Kyrgyzstan↗
Founded
2011↗
Support channels
Phone, Email, Chat, Help-centre↗
Pricing model
Fixed rate
Official website
megapay.kg

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
Google Play

Pros and cons

Pros

  • A fixed rate over a term of 3 to 36 keeps monthly repayments level for the life of the loan.
  • Amounts of KGS 5,000 to KGS 200,000 stretch from a small top-up to a larger personal loan.
  • A National Bank of the Kyrgyz Republic licence, 033, and trading since 2011.
  • Support runs on phone, email and chat, so help is easy to reach when a repayment needs attention.

Cons

  • The rate of 20.75% is high against a personal loan median of 14.43%, so the price of the money works against you.
  • Eligibility starts with a single identity check at a MEGA office, so one office visit comes before the application in the app.
  • MegaPay is a broker, and Eldik Bank makes the lending decision, so you deal with two parties rather than one.
MegaPay

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • People in Kyrgyzstan who spend on the MegaPay virtual card and want the loan paid straight to it.
  • Borrowers who prefer a level repayment and a term of 3 to 36 rather than a revolving line.
  • Anyone comfortable with a single identity check at a MEGA office, then an application in the app.

Who should look elsewhere

  • People chasing a lower rate, since Sofkredit's APR runs 10.74% to 18.06% while MegaPay charges 20.75%.
  • Borrowers comparing a different currency and scale, such as Creduma ES, where the minimum amount is from €12,000.
  • Applicants who would rather skip the office visit, since eligibility begins with a single identity check at a MEGA office.

How MegaPay compares

Where MegaPay is available

Available
Kyrgyzstan
Licence in Kyrgyzstan
National Bank of the Kyrgyz Republic (NBKR) (033), checked September 26, 2026

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

Frequently asked questions

What rate do I pay on a MegaPay personal loan?+

The rate type is fixed, and the annual percentage rate is 20.75%. That sits above the personal loan median of 14.43%, so the cost of the loan is the main thing to compare before you apply.

How much can I borrow, and over what term?+

Loans are available from KGS 5,000 to KGS 200,000, with a term of 3 to 36. A fixed rate means your monthly repayment holds steady across the whole period, so check that figure against your budget before you apply in the app.

Is the provider regulated, and who holds my agreement?+

MegaPay holds a licence from the National Bank of the Kyrgyz Republic, numbered 033. The application then passes to Eldik Bank, which makes the lending decision, so the agreement sits with the bank rather than with the app.

Who actually lends the money?+

MegaPay is a broker, not the lender itself, and the lending decision comes from Eldik Bank. Your agreement is therefore with the bank, while you apply and hold the money in the MegaPay app.

How do I apply and where does the money land?+

Eligibility starts with a single identity check at a MEGA office. After that you apply in the MegaPay app, Eldik Bank makes the decision, and the loan is credited to your MegaPay virtual card, which is handy if you pay for most things by card.

What support can I get if a payment or application goes wrong?+

Support runs on phone, email and chat, so there is a way to reach the team when an application or a repayment needs explaining. Keep your app messages with your loan agreement, since that is what a support agent will ask for.

Do most borrowers clear their balances?+

Across the site, the typical retail loss percentage is 70.15%, which points to a market where many loans are not cleared in full. Borrowing to a term you can comfortably repay matters more here than the headline rate on the offer.

Who owns MegaPay and how long has it run?+

The legal entity behind the app is OsOO Kyrgyzmobilecompany (LLC Kyrgyzmobilecompany), based in Kyrgyzstan and founded in 2011. That length of trading history matters in a market where the decision on your loan sits with another provider.

Sources

  • megapay.kg checked September 26, 2026

    Backs: Support channels

    “+996555500000, +996999500000 (wa.me), *500, megapay@megacom.kg; FAQ page”

  • megapay.kg/about checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Licences

  • megapay.kg/news/26 checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Lender type, Loan types, Pricing model, Rate type, Term

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check, Funding time, Representative example.

MegaPay

MegaPay

Kyrgyzstan residents wanting a fixed rate personal loan paid straight to a virtual card.

8.8/10See alternatives