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Qanat review

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

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Our verdict

Qanat lends directly to Kazakhstan citizens with steady income, and suits anyone comfortable with a fixed rate and a hard credit check. Its headline rate runs to up to 179% and the biggest loan is up to KZT 176,500, so read both figures before you apply. The lender also gives free early repayment.

Key facts

Best for
Adults in Kazakhstan with a steady income who want a small fixed-rate loan and can clear a hard credit check.
APR
up to 179%↗
Loan amount
up to KZT 176,500↗
Term
20 months↗
Credit check
Hard↗
Funding time
Within 1 banking day after signing the loan agreement↗
Representative example
Loan 100,000 KZT at 5.60% for a 20-day period, repay 105,600 KZT in total↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Capable citizens of the Republic of Kazakhstan over 21 years old with a steady income↗
Loan types
Personal, Payday, Debt-consolidation↗
Credit needed
Poor↗
Legal entity
MFO Qanat finance LLP (TOO "MFO Qanat finance"), BIN 210 540 018 826↗
Headquarters
Kazakhstan↗
Support channels
Email, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
qanat.kz

Facts checked September 26, 2026, 4 sources

Pros and cons

Pros

  • Money lands Within 1 banking day after signing the loan agreement, and the listing carries same-day funding as a feature
  • Loans cover personal, payday and debt-consolidation needs
  • Free early repayment, so clearing the balance early costs nothing extra
  • Fixed rates, so the cost does not drift with the market

Cons

  • A hard credit check runs on every application
  • The headline rate of up to 179% sits well above the site median of 15.5% for personal loans
  • Support runs on email and help centre only, with no phone line listed
Qanat

Ready to try Qanat?

Scored 9.2 / 10 by SumCue.

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Who it suits

  • Kazakhstan citizens over a minimum age with a steady income
  • Borrowers who want fixed rates and a fixed repayment date
  • Anyone planning to settle the balance early without extra fees

Who should look elsewhere

  • Borrowers who want to avoid a hard credit check
  • Anyone who needs a phone line rather than email support
  • Readers looking for the lowest headline rate among personal loans

How Qanat compares

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

How much can I borrow from Qanat?+

The maximum loan is up to KZT 176,500 for personal, payday and debt-consolidation borrowing. That sits well above the site median of €526.18, so Qanat covers larger sums too. The exact amount offered depends on your income and credit check.

What rate will I pay?+

The headline rate runs to up to 179% under a fixed rate model, and the representative example shows a fixed monthly percentage on a short term. The personal-loans median across the site is 14.43%, so compare both numbers before you commit.

How long does the loan run for?+

The listed term is 20, which is short for a personal loan. The median term among ranked personal loans is 36, so this is a short-borrowing offer rather than a long repayment plan.

How fast is the money?+

Funding arrives Within 1 banking day after signing the loan agreement, and same-day funding appears among the listed features. The practical constraint is signing the loan agreement, not the application itself.

Does a credit check run?+

The credit check is hard, and a hard check is the most common type across the site at 76.1%. Applications run against a poor credit baseline, so expect a full file review.

Is Qanat regulated?+

Yes. The Agency for Regulation and Development of the Financial Market and Financial Institutions of the Republic of Kazakhstan, Almaty representative office, is the regulator, and it appears in the licence register as 02.21.0087.M.

Can I repay early without a charge?+

Early repayment is free, so settling the balance ahead of schedule adds no extra cost. That matters more here because 20 is a short term and the rate is fixed.

Who is eligible?+

Applicants must be citizens of the Republic of Kazakhstan over a minimum age with a steady income. The lender is a direct lender rather than a broker, and support runs on email and help centre.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee.

Qanat

Qanat

Adults in Kazakhstan with a steady income who want a small fixed-rate loan and can clear a hard credit check.

9.2/10See alternatives