Solva.kz review

The origination fee is 0 KZT and the fee percentage is 0%, so there is no arrangement charge to set the loan up. Pricing runs on a fixed rate rather than a variable one, and terms run 6 to 36. Early repayment is free, so clearing the balance ahead of schedule adds nothing.

Solva.kz is licensed by the Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan, Almaty regional representation, under licence number 02.21.0004.M. The lender is run as AO MFO OnlineKazFinance (АО «МФО ОнлайнКазФинанс»), a direct lender rather than a broker.

Loan amounts run KZT 200,000 to KZT 4,000,000 and the term runs 6 to 36, giving room for both a smaller emergency sum and a larger home improvement project. The range covers personal loans alongside credit line, car and business borrowing. Home improvement is the listed use case for the money.

Home improvement is the listed use case. Loan types cover personal, credit line, car and business borrowing, so a vehicle purchase or a business expense can sit alongside a personal loan. Solva.kz lends directly on a fixed rate basis, with the same terms across its products.

Yes, early repayment is free, so settling the balance before the term ends costs no extra charge. This is worth noting for a fixed rate loan, since paying down early can cut the interest you otherwise pay. Fees on the arrangement side sit at 0 KZT and 0%.

Support runs on phone and help centre, so you reach the team by phone or through the help centre. There is no live chat or email route listed, which is worth weighing if you prefer written replies. Questions are handled online, consistent with an application that never needs an office visit.

The lender is based in Kazakhstan and serves a single market, so the product is built for Kazakhstan borrowers. Amounts are in tenge across KZT 200,000 to KZT 4,000,000, which suits home improvement spending in Kazakhstan. Readers in the UK or Europe looking for a domestic lender should look elsewhere.