Anorbank: 9 loans, types: auto loan, microloan, installment plan.
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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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.
Auto loans
Auto loan 4.0 Uz Auto Motorsonline
Purpose
purchase of Uz Auto Motors cars (Onix, Tracker, Damas, etc.)
Available to
for individuals
Rate (main case)
0%/year0% per annum for a term of up to 60 monthsAccording to the calculator footnote, the terms are available to clients with the voluntary «Stimul AVTO» package (monthly package fee, amount not specified).
Lowest rate
0%/year0% per annum
Highest rate
0%/year0% per annum
Maximum amount
500 000 000 UZSup to 500 mln UZS
Loan term
up to 60 mo.
Down payment
25%at least 25% of the cost
Servicing fee
monthly fee for the «Stimul AVTO» package, amount not specifiedFrom the calculator footnote on the page.
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
60 mo.
up to 500 000 000 UZS
25.0%
0%/year0% per annum; down payment at least 25%; terms for clients with the «Stimul AVTO» package
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center.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 3.0online
Purpose
purchase of a passenger car manufactured in the Republic of Uzbekistan (primary and secondary market)
Available to
for individuals
Rate (main case)
33%/year33% per annum for a term of up to 60 monthsOne rate for the entire term range (loan page and clause 4 of the individual contract terms).
Lowest rate
33%/year33% per annum
Highest rate
33%/year33% per annum
Minimum amount
500 000 UZSfrom 500 thousand UZSLower limit from the calculator settings on the page; the minimum is not specified in the page text.
Maximum amount
400 000 000 UZSup to 400 mln UZS
Loan term
1–60 mo.
Down payment
40%at least 40% of the costFor the secondary market, the down payment depends on the year of manufacture (per the calculator footnote).
Late payment penalty
0.1%0,1% on overdue principalCl. 4 of the individual terms of the agreement; the accrual period is not stated in the text, the total limit on accrual of interest, fees and penalties is half of the loan amount per year. Penalty 0,1% per day of the amount of collateral not provided on time, not more than 10%.
Insurance
insurance of the collateral and of the risk of loan non-repaymentAgreement cl. 7.2: the borrower must insure the collateral for the entire term, the beneficiary is the bank; the cost is not stated. The bank also concludes a master agreement with the insurer for insurance of the risk of loan non-repayment (link on the page).
Collateral
yes
Accepted as collateral
car
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
annuity
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
1–60 mo.
500 000 – 400 000 000 UZS
40.0%
33%/yearone rate for a term from 1 to 60 months; down payment of at least 40%
annuity
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 4.0online
Purpose
purchase of a car from the HAVAL, CHANGAN, Chery, Kia model range
Available to
for individuals
Rate (main case)
from 8% to 27% per annumThe page gives only a range of 8-27%; it does not say what the specific rate depends on.
Lowest rate
8%/yearfrom 8% per annum
Highest rate
27%/yearup to 27% per annum
Minimum amount
10 000 000 UZSfrom 10 mln UZSLower limit from the calculator settings on the page; the minimum is not specified in the page text.
Maximum amount
500 000 000 UZSup to 500 mln UZSIn the calculator settings the upper limit is 400 mln UZS; in the page text - 500 mln (the page figure is used as the value).
Loan term
1–60 mo.
Down payment
10%from 10% of the contract value of the car
Late payment penalty
0.1%0,1% on overdue principalAvtokredit 4.0 agreement, clause 4; the accrual period is not specified, the total limit is half of the loan amount per year.
Insurance
insurance of the collateral and of the risk of loan non-repaymentAgreement, clause 7.2; cost not specified.
Collateral
yes
Accepted as collateral
car
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
annuity
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
Business Go
Purpose
for any purpose
Available to
self-employed persons
Rate (main case)
26%/year26,0% per annum for a term of 12 to 60 monthsFixed product rate (page, calculator settings).
Lowest rate
26%/year26,0% per annum
Highest rate
26%/year26,0% per annum
Minimum amount
10 000 000 UZSfrom 10 mln UZSFrom the page calculator settings.
Maximum amount
300 000 000 UZSup to 300 mln UZS
Loan term
12–60 mo.
Insurance
an insurance policy is required as securityCost not specified.
Grace period
1 mo.
Collateral
yes
Accepted as collateral
car
Insurance required
yes
Repayment scheme
annuity
Decision time
cash disbursement in 1 day
Rates by term, amount and client category
Term
Amount
Rate
12–60 mo.
10 000 000 – 300 000 000 UZS
26%/yearvehicle collateral and an insurance policy
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 ↗
Business Lite
Purpose
for any purpose
Available to
self-employed persons
Rate (main case)
29.99%/year29,99% per annum for a term of 12 to 60 monthsFixed product rate (page, calculator settings).
Lowest rate
29.99%/year29,99% per annum
Highest rate
29.99%/year29,99% per annum
Minimum amount
10 000 000 UZSfrom 10 mln UZSFrom the page calculator settings.
Maximum amount
300 000 000 UZSup to 300 mln UZS
Loan term
12–60 mo.
Insurance
an insurance policy is required as securityCost not specified.
Grace period
1 mo.
Collateral
yes
Accepted as collateral
car
Insurance required
yes
Decision time
cash disbursement in 1 day
Rates by term, amount and client category
Term
Amount
Rate
12–60 mo.
10 000 000 – 300 000 000 UZS
29.99%/yearvehicle collateral and an insurance policy
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 ↗
BUSINESS START
Purpose
for any purpose
Available to
self-employed persons
Rate (main case)
35.99%/year35,99% per annum for a term of 12 to 60 monthsFixed product rate (page, calculator settings).
Lowest rate
35.99%/year35,99% per annum
Highest rate
35.99%/year35,99% per annum
Minimum amount
10 000 000 UZSfrom 10 mln UZSFrom the page calculator settings.
Maximum amount
300 000 000 UZSup to 300 mln UZS
Loan term
12–60 mo.
Insurance
an insurance policy is required as securityCost not specified.
Grace period
1 mo.
Collateral
yes
Accepted as collateral
real estate, car
Insurance required
yes
Decision time
cash disbursement in 1 day
Rates by term, amount and client category
Term
Amount
Rate
12–60 mo.
10 000 000 – 300 000 000 UZS
35.99%/yearcollateral of real estate or a motor vehicle and an insurance policy; grace period 1 month
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 ↗
BUSINESS START 3.0
Purpose
for any purpose
Available to
self-employed persons
Rate (main case)
39.99%/year39,99% per annum for a term of 12 to 60 monthsFixed product rate (page, calculator settings).
Lowest rate
39.99%/year39,99% per annum
Highest rate
39.99%/year39,99% per annum
Minimum amount
10 000 000 UZSfrom 10 mln UZSFrom the page calculator settings.
Maximum amount
300 000 000 UZSup to 300 mln UZS
Loan term
12–60 mo.
Insurance
an insurance policy is required as securityCost not specified.
Grace period
1 mo.
Collateral
yes
Accepted as collateral
real estate, car
Insurance required
yes
Decision time
cash disbursement in 1 day
Rates by term, amount and client category
Term
Amount
Rate
12–60 mo.
10 000 000 – 300 000 000 UZS
39.99%/yearcollateral of real estate or a motor vehicle and an insurance policy; grace period 1 month
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 ↗
Convenient microloanonline
Purpose
for any purpose (the borrower's personal needs)
Available to
for individuals, residents of the Republic of Uzbekistan with official income and a positive credit history
Rate (main case)
from 26% to 35% per annum, individuallyThe rate is set individually based on scoring results. Cashback of up to 10% of interest paid with timely repayment; rate reduction of up to 1,6% annually with an activated package.
Lowest rate
26%/yearfrom 26% per annum
Highest rate
35%/yearup to 35% per annum
Minimum amount
2 000 000 UZSfrom 2 mln UZS
Maximum amount
100 000 000 UZSup to 100 mln UZS
Loan term
3–36 mo.
Late payment penalty
the rate on the overdue part of the debt is increased 2,5 timesInformation sheet, agreement clause 2.11.
Insurance
a borrower’s life insurance policy is mandatoryInformation sheet and contract, item 2.8: a life insurance policy to secure the obligations; the cost is not specified.
Grace period
1 mo.
Collateral
yes
Accepted as collateral
other
Proof of income
yes
Insurance required
yes
Repayment scheme
annuity
Decision time
answer in the app within 10 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 ↗
Installment plans
ANOR nasiyaonlineno collateral
Purpose
purchases from the bank's partners in installments; withdrawal of the available limit to a Humo/Uzcard card
Available to
for residents of the Republic of Uzbekistan aged 21 to 60 with sufficient income and no negative credit history
Rate (main case)
0%/year0% on purchases in the partner networkPurchases without interest or overpayments in the partner network; the installment term at partners is not stated (maximum term 24 months per the loan list, installment agreement term 36 months). Transferring the limit to a card - a fee for the term, see the rate options.
Lowest rate
0%/year0% on purchases from partners
Highest rate
66%/yearup to 66% per annum when withdrawn to a card for 1 monthFee of 5,5% for 1 month, multiplied by 12; simple recalculation without taking installment repayment into account.
Minimum amount
1 000 000 UZSlimit from 1 mln UZSInstallment card limit of 1-50 mln UZS depending on income.
Maximum amount
50 000 000 UZSrevolving limit of up to 50 mln UZS
Loan term
up to 24 mo.
Issuance fee
freecard issuance and delivery free of charge
Collateral
no
Guarantor
no
Proof of income
yes
Insurance required
no
Borrower age
21–60 years
Decision time
card within 72 hours, virtual card is issued instantly
Rates by term, amount and client category
Term
Amount
Rate
1 mo.
1 000 000 – 50 000 000 UZS
66%/yearwithdrawal to a card: commission 5,5% for 1 month (66% per annum, simple recalculation)
3 mo.
1 000 000 – 50 000 000 UZS
48%/yearwithdrawal to a card: commission 12% for 3 months (48% per annum, simple recalculation)
6 mo.
1 000 000 – 50 000 000 UZS
40%/yearwithdrawal to a card: commission 20% for 6 months (40% per annum, simple recalculation)
12 mo.
1 000 000 – 50 000 000 UZS
35%/yearwithdrawal to a card: 35% fee for 12 months (35% of the amount in annual terms, payments in installments)
24 mo.
1 000 000 – 50 000 000 UZS
30%/yearwithdrawal to a card: commission of 60% for 24 months (30% on an annual basis); the term is only in information sheet Anor Nasiya № 2, not mentioned in the FAQ on the page
—
1 000 000 – 50 000 000 UZS
0%/yearpurchases from the bank's partners: no interest or overpayments
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 ↗
