Here are the banks most commonly recommended in Kazakhstan for personal (consumer) loans, with a short note on why each is worth checking and representative product ranges. Rates and conditions change frequently — always confirm on the bank’s website or in-app before applying.

1. Kaspi Bank / Kaspi.kz — fastest app-based lending, excellent for quick consumer loans and point-of-sale instalments. Good if you want instant decisions and fully mobile application. (ir.Kaspi.kz)

2. Halyk Bank — Kazakhstan’s largest traditional bank with wide branch/ATM coverage, a variety of unsecured and secured personal loans and refinancing options; convenient if you want in-branch support or payroll customer benefits. (moneypanda.kz)

3. Home Credit Bank (Home.kz) — specialist consumer lender with strong online application flow, competitive advertised personal-loan limits and fast approvals (common product: online cash loans up to ~8–9 million KZT). Good for straight consumer loans without collateral. (home.kz)

4. ForteBank — solid retail bank with online loan products, sizeable unsecured loan limits (commonly up to ~7–8 million KZT) and mobile-app origination; useful if you prefer a balance of digital access and traditional bank services. (forte.kz)

5. Jusan (First Heartland Jýsan) — competitive online credit products and several consumer loan options (including “OGO”); worth comparing offers and targeted products for payroll/online customers. (Jusan.kz)

Quick tips when comparing offers

• Compare effective/total cost (in Kazakhstan often shown as ГЭСВ / APR), not just the nominal rate. Fees, insurance and commissions can change the real cost. (Check each bank’s product page.) (home.kz)
• Look at maximum loan sum, term, required documents and early‑repayment rules — these differ between banks and between online vs branch applications. (forte.kz)
• If you want the lowest monthly payment, check refinance options (many banks offer refinancing of existing consumer loans). (bankpro.kz)

If you’d like, I can:

• Compare sample offers (example: 1,000,000 KZT over 36 months) from 2–3 banks and show estimated monthly payment and total cost (I’ll fetch current product pages), or
• Find the exact current consumer-loan pages for any of the banks above so you can apply directly.