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TengeDa review

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

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Our verdict

TengeDa suits Kazakhstan borrowers who need a small personal or payday loan funded the same day, with amounts of KZT 80,000 to KZT 350,000 and fixed-rate terms. It is a direct lender with a microfinance licence, free early repayment and reach in a single market, though the annual rate of 179% is heavy.

Key facts

Best for
A quick small loan in Kazakhstan that can be cleared early with no extra charge.
APR
179%↗
Loan amount
KZT 80,000 to KZT 350,000↗
Term
up to 3 months↗
Credit check
Hard↗
Funding time
Within 5 minutes to a bank card; within 1 business day to a bank account↗
Representative example
Microcredit 100,000 KZT, 45 days at 0.29% per day: reward 12,760 KZT, total repayable 112,760 KZT, annual effective rate 179%↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Citizens of the Republic of Kazakhstan aged 21 to 68; a Kazakhstan mobile number, a bank card or account, and internet access required↗
Loan types
Personal, Payday↗
Credit needed
Poor↗
Legal entity
Dengi Govoryat Microfinance Organization LLP (TOO MFO Dengi Govoryat)↗
Headquarters
Kazakhstan↗
Founded
2013↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
tengeda.kz

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
facebook.com

Pros and cons

Pros

  • Early repayment is free, so clearing the balance before the end of the term costs nothing extra.
  • same day funding is confirmed in its feature list, and payouts reach a bank card within minutes.
  • It is a direct lender rather than a broker, and the rate is fixed throughout.
  • Support runs on email, phone and help centre, so a phone line and a help centre are both listed.

Cons

  • The annual rate of 179% sits far above the 15.5% median across lenders on the site.
  • Terms are short: up to 3, so the balance has to be cleared quickly.
  • A hard credit check aimed at a poor credit profile puts thin files at the centre of the book.
TengeDa

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Borrowers in Kazakhstan with a mobile number and a bank card who need money the same day.
  • People with thin credit who can still pass a hard credit check and want one fixed rate.
  • Customers who can clear a small balance early, since early repayment is free, and who like support on email, phone and help centre.

Who should look elsewhere

  • Cashspace, priced at PHP 12 to PHP 36 in Philippine pesos, reads far cheaper, so it is worth checking if that market serves you.
  • Sofkredit, priced at an APR of 10.74% to 18.06%, sits well under this rate and suits a gentler borrow.
  • Creduma ES, with amounts of from €12,000, is a better fit for a larger euro loan than a short microloan.

How TengeDa compares

Where TengeDa is available

Available
Kazakhstan
Licence in Kazakhstan
Agency for Regulation and Development of the Financial Market and Financial Organisations of the Republic of Kazakhstan (ARDFM RK) (02.21.0028.M), checked September 26, 2026

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

Frequently asked questions

How much does a TengeDa loan cost?+

The headline annual rate is 179%, and it applies to amounts of KZT 80,000 to KZT 350,000. The representative example on the site takes a small microcredit over a short term at a daily rate, and the annual effective rate at the end comes out at that same 179%. Early repayment is free, so there is no extra charge for clearing the balance before the term ends.

How quickly does the money arrive?+

Payouts land within minutes on a bank card and inside a business day to a bank account, and same day funding is confirmed in the feature list. You need a Kazakhstan mobile number, a bank card or account, and internet access to complete an application, and the money goes to a card or account you already hold.

What credit do I need to get a loan?+

The application runs a hard credit check, and the profile it is aimed at is poor credit. Thin files are the intended market here rather than a barrier. The rate itself stays at 179%, so the cost of the money does not improve with a stronger credit file.

Can I repay a TengeDa loan early?+

Yes, free early repayment is one of the terms, so clearing the balance before the end of the term carries no extra charge. Terms themselves are short: up to 3. The rate is fixed, so the cost of the money does not move while you hold the loan, which makes the plan easier to price in advance.

What kinds of loan does TengeDa lend?+

The product set is personal and payday, and the pricing model is fixed rate with a fixed rate. Both shapes use the same annual rate of 179% across the same KZT 80,000 to KZT 350,000 range, so a personal loan and a short-term payday loan differ in format rather than in headline cost. The choice is about how long you want to hold the balance.

How do I get help from TengeDa?+

Support runs on email, phone and help centre, so phone, email and a help centre are all listed. The company publishes its own answers on eligibility, funding speed and repayment terms, which means most questions about the 179% rate or the up to 3 term can be answered before any application is started. Written answers are worth keeping for the record.

Sources

  • tengeda.kz checked September 26, 2026

    Backs: Loan amount, Eligibility, Loan types, Pricing model, Representative example, Term, Licences

  • tengeda.kz/help/about-company checked September 26, 2026

    Backs: Features, Founded, Support channels

    “+7 (778) 096 96 96, +7 (727) 355 96 96 ... help@tengeda.kz”

  • tengeda.kz/help/faq checked September 26, 2026

    Backs: APR, Credit check, Credit needed, Free early repayment, Funding time, Headquarters, Legal entity, Lender type, Rate type

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

Not confirmed yet: Arrangement fee.

TengeDa

TengeDa

A quick small loan in Kazakhstan that can be cleared early with no extra charge.

9.0/10See alternatives