Profinance.kz — Финансы РК

Profinance.kz is Kazakhstan's independent financial supermarket.
Compare, choose the best, and save on finances.

IMPORTANT: Profinance.kz is an information aggregator. We do not issue
loans or accept applications. All terms and conditions are provided by banks and microfinance organizations licensed by the Russian Financial Markets Agency (ARFRM). Applications are submitted directly on the partner's website.

🏦 COMPANY DIRECTORY IN ONE APP
• 20+ second-tier banks
• Microfinance organizations with an ARRFR license
• 380+ pawnshops with thousands of branches
• 23 insurance companies (KOS and KSZH)
• 12 crypto exchanges with an AFSA license

📋 LOAN AND CREDIT TERMS IN THE DIRECTORY
• Minimum term: 61 days
• Maximum term: 360 months (for mortgages)
• Minimum interest rate (AER): 12% per annum
• Maximum interest rate (AER): 36% per annum
• Calculation example: 1,000,000 ₸ loan for 12 months
at 18% per annum = monthly payment of 91,680 ₸,
total payment amount: 1 100,160 tenge, overpayment 100,160 tenge
• Privacy Policy: https://profinance.kz/privacy

📊 PROFINANCE SCORE — OBJECTIVE RATING 0-10
On each card. Takes into account ratings from Google Maps, 2GIS, Yandex,
Fitch, financial stability, product line, and the availability of an ARRFR license. No paid search results.

💱 NBRK RATES + CONVERTER
Up-to-date exchange rates for 48 currencies daily. Converter with a swap button,
daily, weekly, monthly, and yearly growth and decline dynamics. Exchange rate history
archived for any period.

📦 BANKING PRODUCTS
• Deposits with a KFGD guarantee of up to 20 million tenge
• Loans: consumer, mortgage, refinancing, auto
• Credit cards with a grace period of up to 120 days
Compare by rate, AGE, amount, and term.

🧮 4 CALCULATORS (WORK OFFLINE)
• Credit — annuity, overpayment, payment schedule
• Deposit — capitalization, growth curve, effective yield
• Mortgage — housing cost, down payment, rate, term up to 30 years
• TSA — calculation of targeted social assistance for 2026

📖 PROFINANCE GUIDE
Expert articles with verified information:
• Compulsory Civil Liability Insurance 2026 — rates, bonus-malus, payment limits
• Deposits 2026 — how to choose a deposit with a KFGD guarantee
• Bank comparisons, reviews of new products

⭐ FAVORITES AND COMPARISON
Save interesting products. Compare up to 3 side by side — rates, terms, licenses, ratings.

🔔 SMART PUSH NOTIFICATIONS
• When the National Bank of Kazakhstan base rate changes
• When the target USD/EUR/RUB exchange rate is reached
• Reminder about compulsory motor insurance 7 days before the policy expires

🌙 DARK THEME AND KAZAKH LANGUAGE
Full localization into Kazakh and Russian. Light, dark, and system
themes. Security: SSL pinning, local data encryption.

🔐 SECURITY AND TRANSPARENCY
• Data sources: National Bank of Kazakhstan, ArFM, KFGD, AFSA, ESBD
• No commissions, hidden fees, or fake ratings
• Partner regulator: ArFM (gov.kz/memleket/entities/ardfm)

Website: https://profinance.kz
Support: info@profinance.kz
Privacy: https://profinance.kz/privacy