Website for microfinance organisations: a five-minute application with every mandatory disclosure in place.
A borrower lands on the site with an amount and term in mind and wants to understand the overpayment and their chances within a minute. We build a site with a calculator, a short application that goes straight to scoring, and a legal section without which neither the regulator nor ad platforms will approve you.
An MFO website is above all an application funnel. Every extra field and every page transition costs conversion: the customer enters a phone number and IIN, confirms with a code, takes a selfie for biometrics, adds a card and gets a decision. The rest of the data is pulled from credit bureaus and state databases with their consent. The form must work on a budget Android phone over mobile internet, otherwise you are paying for abandoned applications.
The second task is trust and compliance. The ARDFM licence number, microloan rules, the effective rate in the calculator and next to every amount, a model contract, the complaints procedure and contacts are at once a regulatory requirement, a condition for ad moderation and an argument for a cautious customer.
For a pawnshop the website answers different questions: how much per gram of gold today, where the nearest branch is and whether it is open, whether an item can be valued from a photo. Plus a showcase of unredeemed items that sells on its own.
What an MFO or pawnshop website needs.
Amount, term and payment with the effective rate and overpayment in tenge, a payment schedule; for car and property loans, an indicative amount based on valuation.
Phone, IIN, confirmation code, biometric selfie, payout card; the rest comes from credit bureaus with consent. Drafts are saved if the customer leaves.
The application goes to the loan system or scoring engine via API; the decision and amount are shown on the site and duplicated in WhatsApp or SMS.
Contracts, schedule, outstanding balance, Kaspi Pay payments, extensions, certificates and a repeat application without re-entering data.
ARDFM licence, microloan rules, model contract, effective rate, fees, personal data policy and complaints procedure.
Loan to card, car title loan, property-secured loan, loans for sole proprietors, refinancing — each with its own page of terms, documents and FAQ.
Per-gram prices by fineness updated daily, photo valuation, a branch map with opening hours, a showcase of unredeemed items.
Russian and Kazakh versions with hreflang, load under 2 seconds on mobile, FinancialService and LocalBusiness markup for branches.
Typical structure of an MFO and pawnshop website.
- Home: calculator, apply button, terms, effective rate, branches
- Products: a separate page for each loan type
- Online application: step-by-step form with biometrics
- Borrower account: contracts, schedule, payment, repeat loan
- How to repay: Kaspi, card, cash desk, contract number
- Pawnshop: per-gram prices, photo valuation, branches on a map
- Item showcase
- Documents: licence, rules, contract, fees
- Contacts, branches and complaints
- Blog: answers about loans, rates and repayment for SEO
Where applications are lost and how to fix it.
In our experience and according to market data, fewer than half of those who start a long loan form finish it, and the main losses are at the document upload and waiting-for-decision steps. What helps:
- Three or four steps instead of one long page, with progress at the top.
- Data from credit bureaus and state databases with consent instead of manually typing an address and employer.
- A biometric selfie right in the browser, with no app install.
- A saved draft and a WhatsApp reminder if the customer leaves midway.
- A decision on screen in minutes, not "wait for our call".
We tag every step with analytics events to see exactly where people drop off and fix that specific screen.
A product landing page or a full company website.
A product landing page — loan to card or car title loan: one page for ads with a calculator, terms, effective rate and application. ₸250,000–400,000, 1–2 weeks.
A company website — all products, documents, branches, blog and two languages: the base for SEO and for ad moderation. ₸600,000–1,200,000, 3–5 weeks.
A website with a borrower account integrated with the loan system, scoring and card payouts starts at ₸1,500,000. Timelines depend on how ready the loan system's API is, so we do a technical survey in the first week.
What affects the price of an MFO website.
A landing page for one product costs ₸250,000–400,000 and takes 1–2 weeks. A company website with a calculator, application, legal section and two languages costs ₸600,000–1,200,000 and takes 3–5 weeks. A website with a borrower account and integrations with scoring, biometrics and card payouts starts at ₸1,500,000.
The price goes up with the number of products, a loan system without a ready API, pawnshop online valuation, an item showcase, and a Kazakh version of contracts and texts. Base prices are on the website development page.
The short version.
How much does a website for an MFO cost?
A product landing page costs ₸250,000–400,000, a company website ₸600,000–1,200,000, a website with a borrower account and integrations from ₸1,500,000. We give an exact estimate after a brief and a look at your loan system.
Can you connect biometrics and online contract signing?
Yes, via your biometrics provider and one-time SMS-code signing with the customer's consent. If you don't have a provider yet, we'll help choose one based on API and pricing.
What must an MFO website disclose?
The ARDFM licence number, full legal name, microloan rules, effective rate and fees, model contract, complaints procedure and personal data policy. We confirm the final list with your lawyer.
Can you build a pawnshop website with per-gram prices?
Yes: prices by fineness are updated from the admin panel or the loan system, alongside photo valuation and a branch map with opening hours. The price on the site is indicative; the appraiser fixes the final one.
What about ads and SEO after launch?
We hand over the site with analytics for each application step and a search-ready structure. Then come SEO for MFOs and search ads as separate services.
Same service for other industries
Need an MFO or pawnshop website? Send us your products and loan system — we'll propose a structure and estimate.
Tell us which loans you offer, whether you disburse online, which loan system and scoring you use, and how many branches you have. We'll reply with a structure prototype and an estimate within 1–2 business days.