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Zaymer KZ review

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

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Our verdict

Zaymer KZ is a Kazakhstan lender for borrowers with a thin credit file who need money today. Its rate of 43.75% to 46% sits well above the 15.5% median across lenders here, though funding is quick and the origination fee is 0 KZT.

Key facts

Best for
Fast small-sum borrowing in Kazakhstan for applicants with a thin credit file.
APR
43.75% to 46%↗
Loan amount
KZT 10,000 to KZT 300,000↗
Term
12 months↗
Arrangement fee
0 KZT↗
Credit check
Hard↗
Funding time
Within 5 minutes to bank card; 1 business day to bank account↗
Representative example
30,000 KZT for 100 days: repay 33,120 KZT, GESV 43.5% p.a.↗
Rate type
Variable↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Age 18-75, citizenship of the Republic of Kazakhstan, ID with biometrics and IIN, active mobile number and e-mail↗
Origination fee (%)
0%↗
Loan types
Personal, Payday, Business, Credit-line↗
Credit needed
Poor↗
Legal entity
LLP Microfinance Organisation Robokesh.kz (TOO MFO Robokesh.kz)↗
Headquarters
Kazakhstan↗
Founded
2020↗
Support channels
Phone, Email, Chat, Help-centre, Community↗
Features
Same-day funding, Credit line
Official website
zaymer.kz

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
vk.com

Pros and cons

Pros

  • The origination fee is 0 KZT, so the cost sits in the interest rather than an upfront charge.
  • Money reaches a bank card within minutes and a bank account within a business day, with same-day funding listed as a feature.
  • Free early repayment, so settling the balance ahead of schedule adds no charge.
  • Support runs on phone, email and chat.

Cons

  • The rate of 43.75% to 46% sits well above the 15.5% median across lenders on the site.
  • The rate type is variable, so the cost of a loan can rise while it runs.
  • Terms run 12 months against a 36 month median, and the check is hard.
Zaymer KZ

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Adults with citizenship of the Republic of Kazakhstan who hold an ID with biometrics and an IIN, plus an active mobile number and an e-mail address.
  • Borrowers whose credit file is thin, since the listed requirement is poor and the check is hard.
  • People who want a small instalment or a credit line and can clear the balance inside 12 months.

Who should look elsewhere

  • Cashspace, whose rate runs PHP 12 to PHP 36, if you are comparing on rate rather than local access.
  • Sofkredit, at 10.74% to 18.06%, if a lower cost of borrowing is the deciding factor.
  • Creduma ES, whose loan amount starts at from €12,000, if the sum you need is larger than a local microloan.

How Zaymer KZ compares

Where Zaymer KZ is available

Available
Kazakhstan
Licence in Kazakhstan
Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan (AR RFR) (02.21.0032.M), checked September 26, 2026

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

Frequently asked questions

How much does Zaymer charge to borrow?+

The advertised annual rate runs 43.75% to 46%, well above the 15.5% median across lenders on the site. The rate type is variable, so the figure can move while a loan runs. The published example, 30,000 KZT for 100 days: repay 33,120 KZT, GESV 43.5% p.a., shows the total repayable and the rate behind it.

Are there origination or arrangement fees?+

The origination fee is 0 KZT, with a percentage fee of 0% of the loan, so setting up the loan adds nothing on top of the interest. The representative example, 30,000 KZT for 100 days: repay 33,120 KZT, GESV 43.5% p.a., shows the total repayable, which is the figure to weigh when comparing.

How much can I borrow and over what term?+

Loan amounts run KZT 10,000 to KZT 300,000, covering both small instalments and larger sums. The stated term is 12 months, short beside the 36 month median across the site. Its listed products also include a credit line, so a revolving limit sits alongside the set-term loans.

How fast is the money, and does the destination matter?+

Zaymer sends money to a bank card within minutes and to a bank account within a business day, and it lists same-day funding as a feature. A payout this quick usually comes with a short schedule: the term is 12 months. Card holders get the quicker route, so allow the longer window for a current account transfer.

What credit history do I need?+

The listed credit requirement is poor, and the check it runs is hard, so a thin credit file is expected here. A hard check is the more demanding kind, which is worth weighing against lenders that only pre-qualify. Applicants sit within a wide credit range on the site, so that check is the real gate.

Is Zaymer regulated?+

Zaymer operates as LLP Microfinance Organisation Robokesh.kz in Kazakhstan and is listed under the Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan, licence number 02.21.0032.M. It lends directly rather than as a broker, so the contract sits with the lender itself.

Can I repay the loan early?+

Free early repayment is offered, so settling the balance before the schedule ends adds no charge. That matters here because the term is 12 months and the rate of 43.75% to 46% is steep, so a shorter stay costs less. Check whether a partial payment reduces the schedule in the same way as a full settlement.

How do I get help?+

Support runs on phone, email and chat, so phone, e-mail, chat, a help centre and a community are all listed as routes. Phone and e-mail suit a live loan question, with the help centre covering the routine steps. Because this is a direct lender, support sits with the company that issued the loan.

Sources

  • play.google.com/store/apps/details checked September 26, 2026

    Backs: Credit needed, Arrangement fee, Origination fee (%), Rate type

    “Take a loan now - credit history is not important! ... We issue the first loan without refusal at only 0.10% (GESV - 0.10%)”

  • zaimer.kz checked September 26, 2026

    Backs: Free early repayment

    “Flexible repayment terms - early repayment of microloans is possible”

  • zaimer.kz/about checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Lender type, Licences

    “The company was registered on 10 September 2020”

  • zaimer.kz/about/documents checked September 26, 2026

    Backs: Features, Loan types

    “Agreement on provision (opening) of a credit line; application decisions in automatic mode within five minutes”

  • zaimer.kz/help checked September 26, 2026

    Backs: Loan amount, Credit check, Eligibility, Funding time, Support channels, Term

    “The microloan amount can be from 10,000 tenge to 300,000 tenge”

  • zaimer.kz/news checked September 26, 2026

    Backs: APR, Representative example

    “GESV on a microloan issued at 37.96% p.a. - from 43.75%, but not more than 46%, depending on the term of the microloan”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Zaymer KZ

Zaymer KZ

Fast small-sum borrowing in Kazakhstan for applicants with a thin credit file.

9.1/10See alternatives