Overdraft loan is a short-term form of a loan that grants the holder of a bank plastic card the right to use an amount exceeding the remaining amount on the bank plastic card account when paying for goods (work, services).

Basic terms of an overdraft:

Loan amount 


Annual interest rate

Form of loan provision

Up to 3 times the average monthly salary of the borrower, but not more than 100 times the size of the basic estimated value

up to 12 months


Through plastic cards opened withing the framework of the Salary project at JSC Aloqabank

The term of the overdraft agreement is divided into 12 periods and a separate limit is set for each period. The amount of this limit is set in descending order compared to the amount of the loan agreement. The borrower must have worked at the last place of work for at least 6 months, as well as be employed at present. 

Basic requirements to get  an overdraft:

  • Third-party warranty;
  • liquid property.

Neccessary Documents:

  1. A copy of  passport (the original is provided to check);

Information about the borrower's income (co-borrower, individual guarantor) is requested from the information database of the State Tax Committee (STC). If there is no possibility to obtain information on income from information database of the STC (if an application is received from a client that does not pay income tax or has an exemption to pay income tax or if you encounter technical problems in the information database of the STC and the internal system of the Bank) information about the income is provided by the borrower (the co-borrower is an individual)



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