AVO Bank loans: rates and terms
Rates as of 23.10.2026More details
AVO Bank: 3 loans, types: microloan, other.
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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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.
Microloans
Online microloan onlineno collateral
| Purpose | for any purpose without proof of income |
|---|---|
| Available to | citizens of the Republic of Uzbekistan from the age of 18 |
| Rate (main case) | 34.9%/year34,9% per annum for 12 monthsFirst rate scenario for a term of 3-12 months; the actual rate (34,9-44,9% for 3-12 mo., 39,9-49,9% for 18-36 mo.) is determined by credit scoring and stated in the individual terms. Rate outside the grace period: interest is not accrued for 30 calendar days upon full repayment (Microloan Tariffs, cl. 3-4) |
| Lowest rate | 34.9%/yearfrom 34,9% per annumterm 3-12 months, first scoring scenario |
| Highest rate | 49.9%/yearup to 49,9% per annumterm 18-36 months, second scoring scenario |
| Effective rate | 41.06%/yearTotal cost of loan 41,06% (scenario 1, 3-12 mo.) - 63,05% (scenario 2, 24-36 mo.)On the website: total loan cost 41,06% at a rate of 34,9% (3-12 mo.), 48,07% at 39,9% (24-36 mo.), 55,4% at 44,9% (3-12 mo.), 63,05% at 49,9% (24-36 mo.). Excluding the paid service «For Our Own» |
| Minimum amount | 1 000 000 UZSfrom 1 000 000 UZSfrom the Microloan Tariffs, item 1; the lower limit is not stated on the page |
| Maximum amount | 100 000 000 UZSup to 100 000 000 UZS |
| Loan term | 3–36 mo. |
| Early repayment | freeno penalties or feesFull early repayment on any day; general terms, clause 5.3: no penalties charged |
| Late payment penalty | 4.35%/day4,35% per day from the 1st day of delinquencyWith the paid service “For Our Own” connected (10% of the amount for a term of 3-12 mo., 5% for 18-36 mo., non-refundable): 60 days without penalty, then 6,85% per day from the 61st day of delay |
| Grace period | 1 mo. |
| Collateral | no |
| Guarantor | no |
| Proof of income | no |
| Early repayment allowed | yes |
| Repayment scheme | annuity |
| Borrower age | from 18 years |
| Decision time | 1-3 minutes |
Rates by term, amount and client category
| Term | Amount | Rate | Channel | Repayment |
|---|---|---|---|---|
| 3–12 mo. | 1 000 000 – 100 000 000 UZS | 34.9%/yearTerm 3-12 months (the site has a table for 3, 6, 12; in the tariffs 3, 6, 9, 12), the first possible rate scenario (set based on credit scoring results). Interest is not accrued if the entire debt is repaid within the 30 days of the grace period | online | annuity |
| 3–12 mo. | 1 000 000 – 100 000 000 UZS | 44.9%/yearTerm 3-12 months, the second possible rate scenario (set based on the credit scoring results) | online | annuity |
| 18–36 mo. | 1 000 000 – 100 000 000 UZS | 39.9%/yearTerm 18-36 months (the website has a table for 24 and 36; the tariffs list 18, 24, 36), the first possible rate scenario (set based on credit scoring results) | online | annuity |
| 18–36 mo. | 1 000 000 – 100 000 000 UZS | 49.9%/yearTerm 18-36 months, the second possible rate scenario (set based on the credit scoring results) | online | 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 ↗
Other loans
For the self-employed onlineno collateral
| Purpose | for personal and business purposes; self-employed status is not required |
|---|---|
| Available to | citizens of the Republic of Uzbekistan aged 18 and over, including those without official self-employed status |
| Rate (main case) | 34.9%/year34,9% per annum for 12 monthsFirst rate scenario for a term of 3-12 months; the actual rate (34,9-44,9% for 3-12 mo., 39,9-49,9% for 18-36 mo.) is determined by credit scoring and stated in the individual terms. Rate outside the grace period: interest is not accrued for 30 calendar days upon full repayment (Microloan Tariffs, cl. 3-4) |
| Lowest rate | 34.9%/yearfrom 34,9% per annumterm 3-12 months, first scoring scenario |
| Highest rate | 49.9%/yearup to 49,9% per annumterm 18-36 months, second scoring scenario |
| Effective rate | 41.06%/yearTotal cost of loan 41,06% (scenario 1, 3-12 mo.) - 63,05% (scenario 2, 24-36 mo.)On the website: total loan cost 41,06% at a rate of 34,9% (3-12 mo.), 48,07% at 39,9% (24-36 mo.), 55,4% at 44,9% (3-12 mo.), 63,05% at 49,9% (24-36 mo.). Excluding the paid service «For Our Own» |
| Minimum amount | 1 000 000 UZSfrom 1 000 000 UZSfrom the Microloan Tariffs, item 1; the lower limit is not stated on the page |
| Maximum amount | 100 000 000 UZSup to 100 000 000 UZS |
| Loan term | 3–36 mo. |
| Early repayment | freeno penalties or feesFull early repayment on any day; general terms, clause 5.3: no penalties charged |
| Late payment penalty | 4.35%/day4,35% per day from the 1st day of delinquencyWith the paid service “For Our Own” connected (10% of the amount for a term of 3-12 mo., 5% for 18-36 mo., non-refundable): 60 days without penalty, then 6,85% per day from the 61st day of delay |
| Grace period | 1 mo. |
| Collateral | no |
| Guarantor | no |
| Proof of income | no |
| Early repayment allowed | yes |
| Repayment scheme | annuity |
| Borrower age | from 18 years |
| Decision time | 1-3 minutes |
Rates by term, amount and client category
| Term | Amount | Rate | Channel | Repayment |
|---|---|---|---|---|
| 3–12 mo. | 1 000 000 – 100 000 000 UZS | 34.9%/yearTerm 3-12 months (the site has a table for 3, 6, 12; in the tariffs 3, 6, 9, 12), the first possible rate scenario (set based on credit scoring results). Interest is not accrued if the entire debt is repaid within the 30 days of the grace period | online | annuity |
| 3–12 mo. | 1 000 000 – 100 000 000 UZS | 44.9%/yearTerm 3-12 months, the second possible rate scenario (set based on the credit scoring results) | online | annuity |
| 18–36 mo. | 1 000 000 – 100 000 000 UZS | 39.9%/yearTerm 18-36 months (the website has a table for 24 and 36; the tariffs list 18, 24, 36), the first possible rate scenario (set based on credit scoring results) | online | annuity |
| 18–36 mo. | 1 000 000 – 100 000 000 UZS | 49.9%/yearTerm 18-36 months, the second possible rate scenario (set based on the credit scoring results) | online | 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 ↗
For a wedding onlineno collateral
| Purpose | for any lawful purpose, including wedding expenses |
|---|---|
| Available to | citizens of the Republic of Uzbekistan from the age of 18 |
| Rate (main case) | 34.9%/year34,9% per annum for 12 monthsFirst rate scenario for a term of 3-12 months; the actual rate (34,9-44,9% for 3-12 mo., 39,9-49,9% for 18-36 mo.) is determined by credit scoring and stated in the individual terms. Rate outside the grace period: interest is not accrued for 30 calendar days upon full repayment (Microloan Tariffs, cl. 3-4) |
| Lowest rate | 34.9%/yearfrom 34,9% per annumterm 3-12 months, first scoring scenario |
| Highest rate | 49.9%/yearup to 49,9% per annumterm 18-36 months, second scoring scenario |
| Effective rate | 41.06%/yearTotal cost of loan 41,06% (scenario 1, 3-12 mo.) - 63,05% (scenario 2, 24-36 mo.)On the website: total loan cost 41,06% at a rate of 34,9% (3-12 mo.), 48,07% at 39,9% (24-36 mo.), 55,4% at 44,9% (3-12 mo.), 63,05% at 49,9% (24-36 mo.). Excluding the paid service «For Our Own» |
| Minimum amount | 1 000 000 UZSfrom 1 000 000 UZSfrom the Microloan Tariffs, item 1; the lower limit is not stated on the page |
| Maximum amount | 100 000 000 UZSup to 100 000 000 UZS |
| Loan term | 3–36 mo. |
| Early repayment | freeno penalties or feesFull early repayment on any day; general terms, clause 5.3: no penalties charged |
| Late payment penalty | 4.35%/day4,35% per day from the 1st day of delinquencyWith the paid service “For Our Own” connected (10% of the amount for a term of 3-12 mo., 5% for 18-36 mo., non-refundable): 60 days without penalty, then 6,85% per day from the 61st day of delay |
| Grace period | 1 mo. |
| Collateral | no |
| Guarantor | no |
| Proof of income | no |
| Early repayment allowed | yes |
| Repayment scheme | annuity |
| Borrower age | from 18 years |
| Decision time | 1-3 minutes |
Rates by term, amount and client category
| Term | Amount | Rate | Channel | Repayment |
|---|---|---|---|---|
| 3–12 mo. | 1 000 000 – 100 000 000 UZS | 34.9%/yearTerm 3-12 months (the site has a table for 3, 6, 12; in the tariffs 3, 6, 9, 12), the first possible rate scenario (set based on credit scoring results). Interest is not accrued if the entire debt is repaid within the 30 days of the grace period | online | annuity |
| 3–12 mo. | 1 000 000 – 100 000 000 UZS | 44.9%/yearTerm 3-12 months, the second possible rate scenario (set based on the credit scoring results) | online | annuity |
| 18–36 mo. | 1 000 000 – 100 000 000 UZS | 39.9%/yearTerm 18-36 months (the website has a table for 24 and 36; the tariffs list 18, 24, 36), the first possible rate scenario (set based on credit scoring results) | online | annuity |
| 18–36 mo. | 1 000 000 – 100 000 000 UZS | 49.9%/yearTerm 18-36 months, the second possible rate scenario (set based on the credit scoring results) | online | 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 ↗