Rates and conditions are taken from the banks’ websites and may change; some loans have limited-time promotions. This is reference information, not a bank offer: the final rate, amount and term depend on the bank’s decision and the borrower’s profile, so check the terms with the bank before applying. The rate in the table is for the main case: the base term (36 months; 120 for mortgages, 12 for microloans and installment plans), the minimum amount, no salary-client discounts; rates for other terms, amounts and client categories are on the bank’s page.
A loan may not actually be available to apply for, and the data on the bank’s website may be out of date. Check availability and terms in the bank’s app, at a bank office or through its call center.
Consumer loans
Ishonchli mikroqarzino collateral
Purpose
no stated purpose (for any purpose)
Available to
employees of budget organizations participating in Agrobank’s payroll project
Rate (main case)
27%/year27% per annum for 36 monthsPage: 3 years — 27%, 4 years — 28%. Information sheet (PDF) additionally: 2 years — 26%, 5 years — 29%.
Lowest rate
26%/yearfrom 26% for 2 years (information sheet)
Highest rate
29%/yearup to 29% for 5 years (information sheet)
Minimum amount
1 000 000 UZSfrom 1 mln UZS
Maximum amount
50 000 000 UZSup to 50 mln UZSdetermined by scoring results
Loan term
24–60 mo.
Issuance fee
freeno bank fees or chargespage and information sheet
Servicing fee
freeno bank fees or chargespage and information sheet
Late payment penalty
0.2%/day0,2% per day on overdue interest (no more than 50% of total debt); on overdue principal - double the current rate
Collateral
no
Repayment scheme
differentiated
Rates by term, amount and client category
Term
Amount
Clients
Rate
Repayment
24 mo.
1 000 000 – 50 000 000 UZS
public-sector employees
26%/yearrate from the information sheet (term not specified on the page)
differentiated
36 mo.
1 000 000 – 50 000 000 UZS
public-sector employees
27%/yearrate from the page and from the information sheet
differentiated
48 mo.
1 000 000 – 50 000 000 UZS
public-sector employees
28%/yearrate from the page and from the information sheet
differentiated
60 mo.
1 000 000 – 50 000 000 UZS
public-sector employees
29%/yearrate from the information sheet (term not specified on the page)
differentiated
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Microloanno collateral
Purpose
for any purpose
Available to
individuals with regular income (as determined by underwriters); for employees of budget organizations under the payroll project the rates are lower
Rate (main case)
28%/year28% per annum for 36 monthsFor citizens with a regular source of income; for public sector employees (payroll project) for 3 years - 26%.
Lowest rate
25%/yearfrom 25% for public-sector employees for 2 years
Highest rate
30%/yearup to 30% for 5 years for citizens with a stable income
Minimum amount
500 000 UZSfrom 500 thousand UZSper the calculator on the page
Maximum amount
100 000 000 UZSup to 100 mln UZSmonthly payment of no more than 50% of the debt burden of the borrower and co-borrower
Loan term
24–60 mo.
Collateral
no
Guarantor
yes
Proof of income
yes
Repayment scheme
differentiated
Rates by term, amount and client category
Term
Amount
Clients
Rate
Channel
Repayment
24 mo.
500 000 – 100 000 000 UZS
all clients
28%/yearcitizens with a stable income
in branch
differentiated
24 mo.
500 000 – 100 000 000 UZS
public-sector employees
25%/yearpublic sector employees, payroll project
in branch
differentiated
36 mo.
500 000 – 100 000 000 UZS
all clients
28%/yearcitizens with a stable income
in branch
differentiated
36 mo.
500 000 – 100 000 000 UZS
public-sector employees
26%/yearpublic sector employees, payroll project
in branch
differentiated
48 mo.
500 000 – 100 000 000 UZS
all clients
28%/yearcitizens with a stable income
in branch
differentiated
48 mo.
500 000 – 100 000 000 UZS
public-sector employees
27%/yearpublic sector employees, payroll project
in branch
differentiated
60 mo.
500 000 – 100 000 000 UZS
all clients
30%/yearcitizens with a stable income
in branch
differentiated
60 mo.
500 000 – 100 000 000 UZS
public-sector employees
28%/yearpublic sector employees, payroll project
in branch
differentiated
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Auto loans
Milliy Avto muddatli to'lovi
Purpose
purchase of a new Chevrolet Tracker or Onix car from an official dealer (primary market), interest-free
Available to
citizens 18+ with official income, self-employed and employees of budget organizations (payroll project) with regular income over the last 12 months
Rate (main case)
0%/year0% per annum for 36 monthsDown payment for a 36-mo. term - 30%; for 30 mo. - 25%, 44 mo. - 40%, 55 mo. - 50%, 60 mo. - 60%. Tracker and Onix only.
Lowest rate
0%/year0% per annum
Highest rate
0%/year0% per annum
Minimum amount
1 000 000 UZSfrom 1 mln UZSper the calculator on the page; the minimum amount is not specified in the information sheet
Maximum amount
the cost of the car under the purchase and sale agreement less the down paymentthe bank calculator limits the amount to 500 mln UZS
Loan term
30–60 mo.
Down payment
25%from 25% (depends on the term: 25-60%)
Issuance fee
freeno additional costsinformation sheet, item 15
Late payment penalty
0.2%/day0,2% per day of the overdue interest amount, no more than 50% of the total debt
Collateral
yes
Accepted as collateral
car
Proof of income
yes
Insurance required
yes
Borrower age
from 18 years
Decision time
3 banking business days
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
30 mo.
—
25%
0%/yeardown payment 25%
36 mo.
—
30%
0%/yeardown payment 30%
44 mo.
—
40%
0%/yeardown payment 40%
55 mo.
—
50%
0%/yeardown payment 50%
60 mo.
—
60%
0%/yeardown payment 60%
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Auto loan
Purpose
purchase of a new car produced in Uzbekistan from a dealer on the primary market
Available to
employees of public-sector organizations (payroll project) and borrowers with official income; without official income - at an increased rate
Rate (main case)
24%/year24% per annum for 48 monthsFor borrowers with official income, down payment 25%. There is no base term of 36 mo., the minimum term per the bank's calculator is 48 mo. Without official income: 26% for 4 years, 27% for 5 years.
Lowest rate
24%/yearfrom 24% (official income, 4 years)
Highest rate
27%/yearup to 27% for 5 years (without official income)
Minimum amount
10 000 000 UZSfrom 10 mln UZSper the calculator on the page; the minimum amount is not specified in the page text
Maximum amount
up to 75% of the car valuethe bank calculator limits the amount to 500 mln UZS
Loan term
48–60 mo.
Down payment
25%25% of the car value
Collateral
yes
Accepted as collateral
car
Proof of income
yes
Insurance required
yes
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
Channel
48 mo.
10 000 000 – 500 000 000 UZS
25%
all clients
24%/yearofficial income / payroll project, 4 years
in branch
48 mo.
10 000 000 – 500 000 000 UZS
25%
special category
26%/yearno official income, 4 years
in branch
60 mo.
10 000 000 – 500 000 000 UZS
25%
all clients
25%/yearofficial income / payroll project, 5 years
in branch
60 mo.
10 000 000 – 500 000 000 UZS
25%
special category
27%/yearno official income, 5 years
in branch
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Mortgages
Xonadon plyus
Purpose
purchase of an apartment on the primary housing market
Available to
individuals with a regular official or unofficial income
Rate (main case)
17%/year17% per annum for a term of up to 20 yearsCentral Bank base rate + 3 p.p.; the rate per the calculator and on the card is 17% for all terms of 12-240 mo. Down payment 15% (for persons with official and unofficial income - 20%). Central Bank base rate 14% (per the footnote on the page, as of 24.03.2025/24.04.2025)
Lowest rate
17%/year17% per annum
Highest rate
17%/year17% per annum
Minimum amount
10 000 000 UZSfrom 10 mln UZSper the calculator on the page
Maximum amount
480 000 000 UZSup to 480 mln UZS in Tashkent, up to 380 mln UZS in the regions and Karakalpakstanabove the limit - mortgage from the bank's own funds
Loan term
12–240 mo.
Down payment
15%from 15% of the housing cost
Collateral
yes
Accepted as collateral
real estate
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Channel
12–240 mo.
10 000 000 – 480 000 000 UZS
15%
17%/yearCB + 3 p.p.; term 12-240 mo. per the calculator, 20 years per the page
in branch
12–240 mo.
10 000 000 – 480 000 000 UZS
20%
17%/yeardown payment 20% (individuals with official and unofficial income)
in branch
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Yashil taʼmir
Purpose
renovation of the borrower's main residential premises (green project); redevelopment and construction are not included
Available to
individuals (residents, citizens aged 18-60) with a permanent source of income
Rate (main case)
19%/year19% per annum for 10 yearsThe same rate for both funding sources (ADB funds and funds of the Uzbekistan Mortgage Refinancing Company).
Lowest rate
19%/yearfrom 19%
Highest rate
19%/year19% per annum
Minimum amount
1 000 000 UZSfrom 1 mln UZSper the calculator on the page
Maximum amount
350 000 000 UZSup to 350 mln UZS in Tashkent, up to 250 mln UZS in the regions
Loan term
12–120 mo.
Down payment
no down paymentno down payment
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Insurance required
yes
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Rate
Channel
120 mo.
1 000 000 – 350 000 000 UZS
19%/yearhome renovation: Tashkent up to 350 mln UZS, regions up to 250 mln UZS
in branch
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Yangi hayot
Purpose
purchase of commissioned housing (primary and secondary market: private houses, apartments) or house renovation without redevelopment
Available to
individuals with permanent income (including salary, pensions, benefits)
Rate (main case)
21.99%/year21,99% per annum for purchasing housing, term up to 20 yearsDown payment of at least 25%. Home renovation - 24,99% for 10 years. The bank’s calculator shows 21% (discrepancy with the page text and the card’s 21,99%; the text takes priority).
Lowest rate
21.99%/yearfrom 21,99% (home purchase)
Highest rate
24.99%/yearup to 24,99% (home renovation)
Minimum amount
100 000 000 UZSfrom 100 mln UZSper the calculator on the page; minimum amount for renovation is not stated
Maximum amount
1 000 000 000 UZSup to 1 bn UZS in Tashkent, up to 550 mln UZS in the regions (purchase); up to 170 mln UZS for renovation
Loan term
12–240 mo.
Down payment
25%at least 25% for buying housing; not required for renovation
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Insurance required
yes
Borrower age
from 18 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Channel
120 mo.
up to 170 000 000 UZS
—
24.99%/yearhome renovation (without redevelopment/reconstruction): up to 170 mln UZS, term 10 years, no down payment required
in branch
240 mo.
100 000 000 – 1 000 000 000 UZS
25%
21.99%/yearhousing purchase: Tashkent up to 1 bn UZS, regions up to 550 mln UZS
in branch
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Bizdan uy
Purpose
purchase of an apartment in a multi-storey building or a private house on the primary and secondary market (mortgage from the bank’s own funds)
Available to
individuals with a permanent income and self-employed persons without official income (taking into account the income of co-borrowers, up to 5 co-borrowers)
Rate (main case)
24.99%/year24,99% per annum for 15 years (down payment 25%)For persons with a steady income. For the self-employed with a 40% down payment - 23,99%. There is no base term of 120 mo., the product term is 15 years (180 mo.). The bank's calculator shows 23% (discrepancy; the page text takes priority).
24.99%/yearup to 24,99% (25% contribution, regular income)
Minimum amount
10 000 000 UZSfrom 10 mln UZSper the calculator on the page
Maximum amount
in the amount of the cost of the purchased housingon the card: 'unlimited'
Loan term
12–180 mo.
Down payment
25%from 25% (for self-employed - 40%)
Grace period
12 mo.
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Borrower age
from 18 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
Channel
180 mo.
from 10 000 000 UZS
25%
all clients
24.99%/yearpersons with a permanent income, down payment 25%
in branch
180 mo.
from 10 000 000 UZS
40%
special category
23.99%/yearself-employed (taking into account the income of co-borrowers), down payment 40%
in branch
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Ta'mir plyus
Purpose
housing repairs (individual houses and apartments), without reconstruction
Available to
individuals with a permanent official income (salary, pensions, benefits)
Rate (main case)
25%/year25% per annum for 10 yearsThe list card and the calculator show 24,99% (discrepancy with the page text; the text takes priority). Funds of the Mortgage Refinancing Company.
Lowest rate
25%/year25% per annum
Highest rate
25%/year25% per annum
Minimum amount
1 000 000 UZSfrom 1 mln UZSper the calculator on the page
Maximum amount
170 000 000 UZSup to 170 mln UZSlist card and calculator - up to 250 mln UZS; the page text takes priority
Loan term
up to 120 mo.
Down payment
no down paymentno down payment required
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Insurance required
yes
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Rate
120 mo.
1 000 000 – 170 000 000 UZS
25%/yearhome renovation, no down payment required
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Microloans
Biznesga ko'makno collateral
Purpose
microloan for self-employed individuals (purpose not stated on the page)
Available to
self-employed citizens without an official income over the last 2 months, residing in the mahalla assigned to the bank
Rate (main case)
21%/year21% per annum for a term of up to 48 monthsSingle rate for all terms (calculator: 12, 24, 36, 48 mo. - 21%).
Lowest rate
21%/year21% per annum
Highest rate
21%/year21% per annum
Minimum amount
1 000 000 UZSfrom 1 mln UZSper the calculator on the page
Maximum amount
17 000 000 UZSup to 17 mln UZS
Loan term
up to 48 mo.
Down payment
no down paymentno down payment required
Issuance fee
freeno bank fees or chargespage
Early repayment
freeinterest is paid only for the actual period of usepage, section 'Review and processing'
Grace period
6 mo.
Collateral
no
Early repayment allowed
yes
Repayment scheme
differentiated
Decision time
5 days
Rates by term, amount and client category
Term
Amount
Rate
Channel
Repayment
48 mo.
1 000 000 – 17 000 000 UZS
21%/yearsingle rate for a term of up to 48 mo.
in branch
differentiated
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Microloan Mahalla loyihasi
Purpose
microloan for self-employed residents of the mahallas assigned to the bank (purpose not specified)
Available to
self-employed citizens of Uzbekistan without official income over the last 2 months, residents of mahallas assigned to the bank
Rate (main case)
21%/year21% per annum for a term of up to 60 monthsuz page (updated 28.09.2026) and calculator: 21%. ru page (updated 05.05.2026) states 25%, including for women. The more recent uz version was used.
Lowest rate
21%/year21% per annum
Highest rate
21%/year21% per annum
Minimum amount
1 000 000 UZSfrom 1 mln UZSper the calculator on the page
Maximum amount
50 000 000 UZSup to 50 mln UZS
Loan term
up to 60 mo.
Grace period
24 mo.
Rates by term, amount and client category
Term
Amount
Rate
Channel
60 mo.
1 000 000 – 50 000 000 UZS
21%/yearone rate for a term of up to 60 mo.; the ru page gives 25%
in branch
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Advance Plusonline
Purpose
online microloan in the Agrobank Mobile app ('Online microloan' section)
Available to
payroll project participants working in budget organizations
Rate (main case)
25%/year25% per annum for 12 monthsCalculator: 25% for 12 and 24 mo.; page: term 2 years, rate 25%.
Lowest rate
25%/year25% per annum
Highest rate
25%/year25% per annum
Minimum amount
500 000 UZSfrom 500 thousand UZSper the calculator on the page
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
12–24 mo.
Rates by term, amount and client category
Term
Amount
Clients
Rate
Channel
12 mo.
500 000 – 100 000 000 UZS
public-sector employees
25%/yearbank calculator
in the app
24 mo.
500 000 – 100 000 000 UZS
public-sector employees
25%/yearterm 2 years (per the page and calculator)
in the app
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
First Step to Business microloanno collateral
Purpose
microloan for a self-employed individual (purpose not stated on the page)
Available to
self-employed citizens of Uzbekistan who had no official income in the last 2 months
Rate (main case)
25%/year25% per annum for 12 monthsFor women - 23% per annum.
Lowest rate
23%/yearfrom 23% for women
Highest rate
25%/year25% per annum
Minimum amount
100 000 UZSfrom 100 thousand UZSper the calculator on the page
Maximum amount
5 000 000 UZSup to 5 mln UZSbased on scoring results
Loan term
12 mo.
Collateral
no
Proof of income
no
Insurance required
yes
Rates by term, amount and client category
Term
Amount
Clients
Rate
Channel
12 mo.
100 000 – 5 000 000 UZS
all clients
25%/yearoverall rate
in branch
12 mo.
100 000 – 5 000 000 UZS
special category
23%/yearfor women
in branch
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Online microloanonlineno collateral
Purpose
for any purpose, online application in the Agrobank Mobile app
Available to
an individual (resident) with a regular (salary) income and a card (including a virtual one) opened at Agrobank
Rate (main case)
31%/year31% per annum for 12 monthsBank calculator: 31% for 12 mo., 32% for 24, 33% for 36, 34% for 48. Page text: 'up to 31-34%'.
Lowest rate
31%/yearfrom 31% for 12 mo.
Highest rate
34%/yearup to 34% for 48 mo.
Minimum amount
1 000 000 UZSfrom 1 mln UZSper the calculator on the page
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
12–48 mo.
Collateral
no
Proof of income
yes
Insurance required
yes
Rates by term, amount and client category
Term
Amount
Rate
Channel
12 mo.
1 000 000 – 100 000 000 UZS
31%/yearbank calculator
in the app
24 mo.
1 000 000 – 100 000 000 UZS
32%/yearbank calculator
in the app
36 mo.
1 000 000 – 100 000 000 UZS
33%/yearbank calculator
in the app
48 mo.
1 000 000 – 100 000 000 UZS
34%/yearbank calculator
in the app
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Education loans
Education loanonlineno collateral
Purpose
payment for contract-based tuition (students of universities and students of vocational educational organizations, full-time)
Available to
students and pupils whose data is in the HEMIS/kontrakt.edu.uz and prof.edu.uz systems; female students - with interest compensation from the fund
Rate (main case)
14%/year14% per annum (at the level of the Central Bank base rate)The principal is repaid over 7 years, starting from the 7th month after graduation; interest is paid from the moment of disbursement. When the Central Bank rate falls, the rate falls proportionally; when it rises, it does not change. The base term of 48 mo. is not applicable.
Lowest rate
14%/year14% per annum
Highest rate
14%/year14% per annum
Maximum amount
tuition cost under the contractfor students of year 2+ with GPA below 3 - no more than 80% of the cost (except families from the Unified Social Protection Register)
Loan term
up to 84 mo.
Collateral
no
Guarantor
yes
Rates by term, amount and client category
Term
Amount
Clients
Rate
84 mo.
—
all clients
14%/yearprincipal repayment term of 7 years after graduation
84 mo.
—
special category
14%/yearfor female students: fund resources at 10% + bank margin 4 p.p.; interest is covered by the fund quarterly
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Loan refinancing
Arzon ipoteka
Purpose
refinancing of mortgage loans issued by other banks at commercial rates (primary and secondary housing market)
Available to
individuals with a stable official income
Rate (main case)
21.5%/year21,5% per annum from the funds of the Mortgage Refinancing CompanyFrom the bank's own funds - 23%. Term - until the end of the remaining term of the previous loan, can be extended up to 20 years upon application; there is no base term in the source, the maximum (240 mo.) was used.
Lowest rate
21.5%/yearfrom 21,5%
Highest rate
23%/yearup to 23% (from bank funds)
Minimum amount
10 000 000 UZSfrom 10 mln UZSper the calculator on the page
Maximum amount
1 000 000 000 UZSup to 1 bn UZS in Tashkent, up to 550 mln UZS in the regions (at the Company's expense); not limited from the bank's fundsno more than the remaining principal of the previous loan
Loan term
6–240 mo.
Down payment
no down paymentno down payment required
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Insurance required
yes
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Rate
240 mo.
10 000 000 – 1 000 000 000 UZS
21.5%/yearfunds of the Mortgage Refinancing Company of Uzbekistan JSC: Tashkent up to 1 bn UZS, regions up to 550 mln UZS
240 mo.
from 10 000 000 UZS
23%/yearthe bank’s own funds, amount not limited
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Arzon microloan
Purpose
repayment of existing loans and microloans in other banks (refinancing)
Available to
employees of budget organizations with a regular income and their spouses
Rate (main case)
26%/year26% per annum for 36 monthsFor employees of budget organizations and their spouses; for 2 years - 25%, for 3-5 years - 26%.
Lowest rate
25%/yearfrom 25% for 2 years
Highest rate
26%/yearup to 26% for 3-5 years
Minimum amount
1 000 000 UZSfrom 1 mln UZSper the calculator on the page
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
24–60 mo.
Rates by term, amount and client category
Term
Amount
Clients
Rate
Channel
24 mo.
1 000 000 – 100 000 000 UZS
public-sector employees
25%/yearpublic sector employees and spouses
in branch
36 mo.
1 000 000 – 100 000 000 UZS
public-sector employees
26%/yearpublic sector employees and spouses
in branch
48 mo.
1 000 000 – 100 000 000 UZS
public-sector employees
26%/yearpublic sector employees and spouses
in branch
60 mo.
1 000 000 – 100 000 000 UZS
public-sector employees
26%/yearpublic sector employees and spouses
in branch
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Installment plans
Open installment cardonlineno collateral
Purpose
purchase of goods in partner stores with an installment card (Opencard app)
Available to
individual (resident) with a permanent (salary) income, over 18 years old
Rate (main case)
0%/yearinterest-free (0%), 12-month schedule for each transactionCard validity period is 3 years, a separate 12-month schedule for each transaction, the repaid part of the limit is renewed (revolving).
Lowest rate
0%/year0%
Highest rate
0%/year0%
Maximum amount
82 400 000 UZSup to 82,4 mln UZSthe list card shows 75 mln UZS, the uz list - 82 mln; per the page text - 82 400 000
Loan term
up to 12 mo.
Down payment
no down paymentno down payment required
Collateral
no
Proof of income
yes
Insurance required
yes
Borrower age
from 18 years
Rates by term, amount and client category
Term
Amount
Rate
Channel
12 mo.
up to 82 400 000 UZS
0%/yearinterest-free installments, separate schedule for each transaction
in the app
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Online payment installmentonline
Purpose
purchase of goods and services at partner retail outlets in installments (Chakana.uz / Chakana marketpleys)
Available to
individuals (residents) with a regular (salary) income
Rate (main case)
19% for 12 months (installment interest rate; annual rate not determined)The bank calls this the “installment interest rate” for each term (3 mo. - 5%, 6 - 10%, 9 - 15%, 12 - 19%, 15 - 24%, 18 - 28%, 21 - 32%, 24 - 36%); the accrual period is not stated in the document, the nominal rate and total cost fields in the information sheet are not filled in. It cannot be unambiguously converted into an annual rate.
Lowest rate
from 5% for 3 months (accrual period not specified)
Highest rate
up to 36% for 24 months (the accrual period is not specified)
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
3–24 mo.
Issuance fee
freeno additional costsinstallment information sheet
Late payment penalty
noneno penaltyinstallment information sheet, section 2, items 1-2
Proof of income
yes
Repayment scheme
annuity
Decision time
15-20 minutes
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Other loans
Yashil energiya for individuals
Purpose
purchase of domestically produced solar panels, solar collectors, boilers, burners, filters and dust and gas cleaning units
Rate (main case)
20%/year20% per annum for 36 monthsThe rate is from the bank's own funds. Calculator: 20% for 12, 24 and 36 mo. The part of interest above the Central Bank rate (up to 5 pp) is compensated under the general agreement with the Extrabudgetary Energy Saving Fund dated 28.03.2024.
Lowest rate
20%/year20% per annum
Highest rate
20%/year20% per annum
Minimum amount
1 000 000 UZSfrom 1 mln UZSper the calculator on the page
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
12–36 mo.
Grace period
6 mo.
Accepted as collateral
other
Proof of income
yes
Rates by term, amount and client category
Term
Amount
Rate
12 mo.
1 000 000 – 100 000 000 UZS
20%/yearbank calculator
24 mo.
1 000 000 – 100 000 000 UZS
20%/yearbank calculator
36 mo.
1 000 000 – 100 000 000 UZS
20%/yearterm per page - 3 years
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
Online paymentonlineno collateral
Purpose
purchase of consumer goods from partners on Chakana.uz / in the Chakana marketpleys app
Available to
individuals (residents) with a regular (salary) income
Rate (main case)
30%/year30% per annum for 24 monthsInformation sheet: «Online Payment» loan - 24 months, 30%, differentiated payments. There is no base term of 36 mo., the nearest shorter one is 24 mo. The «Online Payment» installment plan (3-24 mo) is recorded separately.
Lowest rate
30%/year30% per annum
Highest rate
30%/year30% per annum
Minimum amount
1 000 000 UZSfrom 1 mln UZSper the calculator on the page
Maximum amount
100 000 000 UZSup to 100 mln UZSbased on scoring analysis of 6 months of income, taking the debt burden into account
Loan term
up to 24 mo.
Issuance fee
freeno additional costsloan information sheet
Late payment penalty
0.2%/day0,2% per day on overdue interest; on overdue principal – double the current rate
Collateral
no
Proof of income
yes
Insurance required
yes
Repayment scheme
differentiated
Decision time
15-20 minutes
Rates by term, amount and client category
Term
Amount
Rate
Channel
Repayment
24 mo.
1 000 000 – 100 000 000 UZS
30%/yearloan information sheet and page calculator
online
differentiated
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center. Source ↗ · Saved copy as of 23.10.2026 ↗
