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Tengebai review

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

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Our verdict

Tengebai is a Kazakhstan payday lender for adults who need a small sum inside hours rather than a long repayment plan.

Key facts

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

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
Google Play
Elsewhere
instagram.com

Pros and cons

Pros

  • Origination fee of 0 KZT on every loan
  • Same-day payout: 1-5 minutes to bank card after contract signing by SMS code to a card in your own name after an SMS code contract
  • Free early repayment, so a shorter payoff costs no extra charge
  • Poor credit history is the stated target: poor

Cons

  • Cost of borrowing sits at 29.3% to 45.7%, a heavy price for a short term
  • Repayment window is short, 7 to 20, so the pressure to repay quickly is high
  • Balances of KZT 10,000 to KZT 300,000 cap what the lender will cover
Tengebai

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Borrowers in Kazakhstan with a bank card in their own name and a valid ID with IIN
  • Adults whose credit file is thin, since the stated target is poor
  • People who can clear the balance inside a very short term

Who should look elsewhere

  • Anyone wanting a long fixed instalment plan, since terms run 7 to 20
  • Borrowers outside Kazakhstan, who need citizenship or a residence permit plus a Kazakh mobile number
  • People near Cashspace or Sofkredit who want a lower cost of borrowing than 29.3% to 45.7%

Safety of your money

Tengebai lends directly rather than acting as a broker, so the contract sits with the company you apply to. It is licensed by the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market. Its representative example shows a small microloan over a short term with total repay above the amount borrowed, which is how interest and the 29.3% to 45.7% range translate into a final figure on a real contract.

Who runs it

It holds a microfinance licence from the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market. Support runs on email, phone and chat, so help is available by phone, email, live chat and a help centre rather than post only.

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?+

The advertised APR runs 29.3% to 45.7%, which puts Tengebai in expensive short-term territory. The representative example shows a microloan at the top of that range with the total repay clearly above the amount borrowed. Borrow the smallest sum you can clear early.

Is there an arrangement or origination fee?+

No origination fee is listed: the fee is 0 KZT. All of your cost therefore sits in the interest, shown as 29.3% to 45.7%. There is no separate setup charge to add on top before repayment begins.

How much can I borrow and for how long?+

Loan amounts run KZT 10,000 to KZT 300,000, so the ceiling is modest and geared to short needs. Repayment terms run 7 to 20, which is a short window rather than a multi-year plan. Check that the full repay amount fits your next payday.

How fast do I get the money?+

Funding is 1-5 minutes to bank card after contract signing by SMS code to your bank card, and the same-day feature is listed among the account features. You need a card in your own name, plus a valid ID with IIN and a Kazakh mobile number, before the money can be released.

What credit check do I face?+

Tengebai uses a soft prequalification rather than a hard search, and the lender says it works with poor credit. A soft check helps you see whether you qualify without a full file search, but approval still depends on your own circumstances.

Can I repay early without a charge?+

Yes, early repayment is free, so clearing the balance sooner cuts the interest you pay. This matters most with a term of 7 to 20 and an APR of 29.3% to 45.7%, where a few extra days of borrowing add up quickly. Repay early whenever your budget allows.

Who can apply?+

Applicants must be adults with Kazakhstan citizenship or a residence permit, a valid ID with IIN, a bank card in their own name and a Kazakh mobile number. Support is offered on email, phone and chat if anything is missing from that list.

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.

Related by the facts

Tengebai

Tengebai

Small, fast cash in Kazakhstan with a soft prequalification step.

8.9/10See alternatives