Qanat-review Qanat Rating: Qanat Welcome Bonus Loans from 15,000 to 143,000 tenge with a repayment period of up to 20 days Join Qanat Now

About Qanat

Qanat, a microfinancial organization operating in Kazakhstan, plays a vital role in providing financial services to individuals and micro-entrepreneurs, particularly in underserved and rural areas. In this overview, we delve into Qanat’s mission, operations, impact, and contributions to the financial inclusion landscape in Kazakhstan.

Mission and Objectives

Qanat’s mission centers around promoting financial inclusion and supporting economic empowerment by providing access to affordable and responsible financial services. The organization aims to bridge the gap between traditional banking services and the financial needs of individuals and micro-entrepreneurs, especially those in rural communities.


Qanat operates as a microfinancial organization, offering a range of financial products and services tailored to the needs of its target clientele. These services may include microloans, savings accounts, insurance products, and financial education programs. Qanat utilizes a client-centric approach, focusing on building relationships, understanding clients’ needs, and providing personalized solutions.

Clientele and Target Market

Qanat primarily serves individuals and micro-entrepreneurs who may have limited access to traditional banking services or face barriers to obtaining credit from mainstream financial institutions. The organization targets underserved populations, including rural communities, women, and low-income households, with the aim of promoting financial inclusion and poverty alleviation.

Impact and Contributions

Qanat’s presence and operations have had significant positive impacts on the lives of its clients and the communities it serves. Some key contributions include:

  • Financial Inclusion: Qanat has expanded access to financial services for individuals and micro-entrepreneurs, enabling them to invest in livelihoods, improve living standards, and build assets.
  • Economic Empowerment: By providing access to credit and financial resources, Qanat has empowered clients to start or expand small businesses, generate income, and create employment opportunities within their communities.
  • Community Development: Qanat’s initiatives and programs contribute to overall community development, fostering economic growth, social cohesion, and resilience in rural and underserved areas.

Challenges and Opportunities

While Qanat has made significant strides in promoting financial inclusion and empowering marginalized communities, it faces various challenges and opportunities for growth:

  • Regulatory Environment: Microfinancial organizations in Kazakhstan operate within a regulated environment, and compliance with regulatory requirements can pose challenges in terms of operational costs and administrative burden.
  • Sustainability: Ensuring the sustainability of Qanat’s operations and financial viability is crucial for its long-term impact and effectiveness in serving clients and communities.
  • Technology and Innovation: Embracing technology and innovation can enhance Qanat’s efficiency, outreach, and service delivery, enabling it to reach more clients, streamline processes, and offer innovative financial products and solutions.

Future Outlook

Looking ahead, Qanat is poised to continue its mission of promoting financial inclusion, economic empowerment, and community development in Kazakhstan. By leveraging its experience, expertise, and partnerships, Qanat can further expand its reach, deepen its impact, and contribute to the country’s socio-economic development agenda.

Qanat plays a pivotal role in Kazakhstan’s microfinancial landscape, serving as a catalyst for financial inclusion, economic empowerment, and community development. Through its client-centric approach, impactful initiatives, and commitment to sustainability, Qanat is making significant strides in advancing financial inclusion and improving the lives of individuals and communities across Kazakhstan.

Features offers loans from 15,000 to 143,000 tenge with a repayment period of up to 20 days. The interest rate is 0.99% per day and there are no fees for early or partial repayment.

The process of applying for a loan at is simple and can be completed online. The company requires borrowers to provide personal information, including name, address and income. Borrowers must also provide a cell phone number and a valid email address.

A decision on loan approval from is made within 7 minutes. If the loan is approved, the funds are credited to the borrower’s bank account within 24 hours. has a good reputation among borrowers in Kazakhstan. The company has a high approval rate and offers competitive interest rates. The company’s customer service is also generally rated as good.

Overall, is a reliable and reputable microfinance organization offering short-term loans to individuals in Kazakhstan. The company has a good reputation among borrowers and offers competitive interest rates.


Pros and cons of Qanat


  • Simple application process
  • Quick decision making
  • Competitive interest rates
  • No commission for early or partial repayment
  • Good customer service


  • High interest rates (compared to banks)
  • Short repayment period
  • May not be suitable for borrowers with bad credit history

How to get loan in Qanat ?

To get a loan from Qanat, a microfinance organization in Kazakhstan, you can follow these step-by-step instructions:

  1. Visit the official website of Qanat:
  2. Explore the website to gather detailed information about the loan services provided by Qanat. You can find information about loan amounts, repayment periods, interest rates, and any additional fees or conditions.
  3. If you have any specific questions or need further clarification, you can check the “Frequently Asked Questions” section on the website. This section may address common inquiries about loan repayment, application process, and other relevant topics.
  4. To apply for a loan, click on the “Fill out an application” or “Apply Now” button on the website. This will take you to the loan application form.
  5. Fill out the loan application form with accurate and complete information. The form will typically ask for details such as the desired loan amount, your Individual Identification Number (IIN), phone number, and email address.
  6. Before submitting your application, make sure to read and agree to the terms and conditions listed on the form. It is important to understand the repayment terms, interest rates, and any associated fees.
  7. Once you have reviewed and verified all the information provided, submit your loan application.
  8. Qanat will process your application within a short period of time, typically within 7 minutes. During this time, they will review your application and assess your eligibility for the loan.
  9. If your application is approved, you will receive a notification with further instructions. This may include signing a loan agreement using an SMS code or other specified methods.
  10. Once you have completed the necessary steps and the loan agreement is signed, you will receive the loan amount directly to your designated bank account.
  11. Make sure to manage your loan repayment diligently and adhere to the agreed-upon terms and schedule. Failure to repay the loan on time may result in additional fees or penalties.

If you have any further questions or require assistance throughout the loan application process, you can contact Qanat’s call center at +7 700 129 59 59 or +7 707 374 51 19. Alternatively, you can also reach out to them via email at

Remember to always exercise responsible borrowing and carefully consider your financial situation before applying for a loan.

How to pay for a loan in Qanat ?

To pay your loan to Qanat, the micro financial organization in Kazakhstan, you can follow these step-by-step instructions based on the information provided on their website:

  1. Access the Qanat website: Go to the official website of Qanat by typing “” in your web browser’s address bar.
  2. Navigate to the “Как погасить” section: On the website’s homepage, look for the “Как погасить” (How to repay) section. It may be located in the main menu or on the homepage itself. Click on this section to proceed.
  3. Review the payment options: In the “Как погасить” section, you will find detailed information about the available payment methods. Take your time to review the options provided, as they may include different payment channels such as bank transfers, online payments, or other specified methods.
  4. Select a payment method: Choose the payment method that is most convenient for you. Consider factors such as accessibility, transaction fees, and processing time. If you have any doubts or questions about a specific payment method, you can contact Qanat’s call center or customer support for further assistance.
  5. Follow the payment instructions: Once you have chosen your preferred payment method, follow the instructions provided on the website. These instructions may vary depending on the selected payment channel. Ensure that you carefully read and understand each step to avoid any errors or delays in the payment process.
  6. Provide the required information: During the payment process, you may be asked to provide certain information such as your loan account number, personal identification details, and the amount you wish to repay. Make sure to enter all the required information accurately to ensure a successful transaction.
  7. Confirm the payment: After providing the necessary information, review all the details to ensure accuracy. Double-check the payment amount, recipient details, and any other relevant information before finalizing the transaction. Some payment methods may require additional confirmation steps, such as entering a unique code or providing a digital signature.
  8. Keep payment confirmation records: After completing the payment, it is important to retain any confirmation records or receipts provided by the payment platform or financial institution. These records serve as proof of payment and can be useful for reference or dispute resolution if needed in the future.
  9. Contact Qanat for assistance: If you encounter any difficulties or have questions regarding the payment process, do not hesitate to contact Qanat’s call center or customer support. They will be able to provide further guidance and address any concerns you may have.

Remember, these instructions are based on the information available on the Qanat website. If you need more specific or detailed guidance, it is advisable to refer directly to the website or contact Qanat’s customer support for the most accurate and up-to-date information regarding loan repayment.

FAQ about Qanat

Qanat is an online micro financial organization in Kazakhstan that offers microcredit services to individuals.

To repay your microcredit, you can follow the instructions provided on the Qanat website under the “How to Repay” section. It is important to ensure that you make the payment only through the specified methods mentioned on the Qanat website to avoid any fraudulent activities.

To obtain a microcredit from Qanat, you need to fill out an application form on their website. The application form requires you to provide your personal information such as your Individual Identification Number (IIN), phone number, and email address. Once you have submitted the application, it will be reviewed, and if approved, you will receive your microcredit.

Qanat offers microcredits ranging from 20,000 to 143,000 Kazakhstani tenge.

Yes, Qanat allows you to apply for a microcredit even if your income is not confirmed. They offer loan agreements even with unverified income.

Qanat claims to review applications within 7 minutes. However, the actual processing time may vary depending on the volume of applications received.

The process of obtaining a microcredit from Qanat involves the following steps:

  • Choose the desired loan amount and term.
  • Fill out the registration form.
  • Sign the agreement using an SMS code.
  • Receive your microcredit.

Qanat sometimes offers special conditions for the repayment of microcredits to individuals affected by emergencies or natural disasters. To avail of these offers, you can submit your application along with the necessary documents to the provided email address.

Qanat highlights the following advantages of their services:

  • Quick processing time for loan applications.
  • Availability of microcredits across Kazakhstan.
  • No requirement for additional documents such as income proof or property ownership.
  • Dedicated technical support to address any issues or concerns.

You can reach out to Qanat through their call center at +7 700 129 59 59 or +7 707 374 51 19. You can also contact them via email at Their customer support is available from Monday to Sunday, including weekends.