Garant Bank loans: rates and terms

Rates as of 23.10.2026More details

Garant Bank: 15 loans, types: auto loan, mortgage, microloan.

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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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

Premium Avto

Purpose	purchase of a new car from a dealer and payment of the collateral insurance premium at the expense of the loan
Available to	to citizens of the Republic of Uzbekistan over 18 years old; official income or self-employed
Rate (main case)	25%/year25% per annum with a 25% down payment, official incomeper the calculator on the site; from 24% with a down payment from 35%; self-employed +1 p.p.
Lowest rate	24%/yearfrom 24% with a down payment of 35% or more
Highest rate	26%/year26% self-employed with a 25% down payment (maximum among the checked options)self-employed with a 35% and 60% down payment were not checked
Maximum amount	600 000 000 UZSup to 600 000 000 UZS
Loan term	up to 60 mo.
Down payment	25%from 25% of the cost
Grace period	6 mo.
Collateral	yes
Accepted as collateral	car
Proof of income	yes
Borrower age	from 18 years

Rates by term, amount and client category

Term	Amount	Down payment from	Clients	Rate
12 mo.	—	60%	all clients	24%/yearofficial income; verified for a 12-month term
36 mo.	—	35%	all clients	24%/yearofficial income; verified for a 36-month term
12–60 mo.	—	25%	all clients	25%/yearofficial income; per the site calculator the rate is the same for 12 and 60 mo.
12–60 mo.	—	25%	special category	26%/yearself-employed; checked at a term of 12 mo. (+1 p.p. to the rate for official income)

Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center.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 ↗

CHANGAN

Purpose	purchase of a new Changan car (Deepal, Nevo, Avatr, etc.) on the primary market, jointly with Runking Motor
Available to	for citizens of the Republic of Uzbekistan aged 18 to 60 with an official income (including with a co-borrower) and the self-employed
Lowest rate	0%/yearfrom 0% per annumthe conditions under which 0% applies are not disclosed on the page
Maximum amount	600 000 000 UZSup to 600 000 000 UZS
Loan term	up to 60 mo.
Down payment	25%from 25% of the costcalculator options: 25%, 30%, 40%, 45%, 50%
Late payment penalty	33%/year33% per annum on overdue debt
Grace period	1 mo.
Collateral	yes
Accepted as collateral	car
Proof of income	yes
Borrower age	18–60 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 ↗

Changan ADM

Purpose	purchase of a new Changan car (CS 55 PLUS, UNI-K, UNI-T, UNI-V, etc.) on the primary market
Available to	for citizens of the Republic of Uzbekistan aged 18 to 60 with an official income (including with a co-borrower) and the self-employed
Lowest rate	0%/yearfrom 0% per annumthe conditions under which 0% applies are not disclosed on the page
Maximum amount	500 000 000 UZSup to 500 000 000 UZS
Loan term	up to 60 mo.
Down payment	20%from 20% of the costoptions in the calculator: 20%, 30%, 40%, 50%
Grace period	1 mo.
Collateral	yes
Accepted as collateral	car
Proof of income	yes
Borrower age	18–60 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 ↗

LIXIANG

Purpose	purchase of a new Lixiang (Li Auto) car on the primary market
Available to	for citizens of the Republic of Uzbekistan over 18 years old with an official income (including with a co-borrower) and the self-employed
Lowest rate	0%/yearfrom 0% per annumthe conditions under which 0% applies are not disclosed on the page
Maximum amount	600 000 000 UZSup to 600 000 000 UZS
Loan term	3–60 mo.
Down payment	30%from 30% of the costoptions in the calculator: 30%, 40%, 50%, 60%
Late payment penalty	35%/year35% per annum on overdue debt
Grace period	1 mo.
Collateral	yes
Accepted as collateral	car
Proof of income	yes
Borrower age	from 18 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 ↗

Qulay Avto

Purpose	purchase of a previously unused car and payment of the insurance premium on the collateral from the loan account
Available to	for citizens of the Republic of Uzbekistan over 18 years old; official income (6 or 12 mo. of receipts) or self-employed
Lowest rate	21.9%/yearfrom 21.9% per annum
Maximum amount	600 000 000 UZSup to 600 000 000 UZS
Loan term	up to 60 mo.
Down payment	25%from 25% of the costoptions in the calculator: 25%, 35%, 50%
Grace period	3 mo.
Collateral	yes
Accepted as collateral	car
Proof of income	yes
Borrower age	from 18 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 ↗

Yengil

Purpose	purchase of a new Tracker, Damas, Onix car produced by Uz Auto Motors on the primary market
Available to	for citizens of the Republic of Uzbekistan over 18 years old with an official income for the last 6 months and the self-employed
Lowest rate	0%/yearfrom 0% per annum0% with a prepayment from 30% for a term of up to 13 months, from 40% - up to 18 months, from 50% - up to 22 months
Minimum amount	10 000 000 UZSfrom 10 000 000 UZSlower limit of the calculator slider on the page
Maximum amount	600 000 000 UZSup to 600 000 000 UZS
Loan term	up to 60 mo.
Down payment	20%from 20% of the costoptions in the calculator: 20, 25, 30, 40, 50, 55, 60, 70%
Collateral	yes
Accepted as collateral	car
Proof of income	yes
Repayment scheme	annuity
Borrower age	from 18 years

Rates by term, amount and client category

Term	Amount	Down payment from	Rate	Repayment
13 mo.	—	30%	0%/year0% with a prepayment of 30% or more for up to 13 months (page subheading)	annuity
18 mo.	—	40%	0%/year0% with a prepayment of 40% or more for a term of up to 18 months	annuity
22 mo.	—	50%	0%/year0% with a prepayment of 50% or more for a term of up to 22 months	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 ↗

Mortgages

Makon

Purpose	purchase of an apartment in a multi-storey residential building or a private house
Available to	for citizens of the Republic of Uzbekistan over 18 with official income (debt burden of no more than 50%)
Rate (main case)	28%/year28% per annum with a 25% down paymentterm of up to 120 months; with a 35% down payment - 27%, with 45% - 26%
Lowest rate	26%/yearfrom 26% with a 45% down payment
Highest rate	28%/year28% with a 25% down payment
Maximum amount	based on the cost of the housing being purchased, the figure is not specifiedloan amount - based on the total cost of the apartment or house minus the down payment
Loan term	12–120 mo.
Down payment	25%from 25% of the cost
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	Rate
12–120 mo.	—	25%	28%/yeardown payment 25%; one rate for all terms of 12-120 mo.
12–120 mo.	—	35%	27%/yeardown payment 35%
12–120 mo.	—	45%	26%/yeardown payment 45%

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 ↗

Makon+

Purpose	purchase of an apartment in a multi-storey residential building or a private house
Available to	citizens of the Republic of Uzbekistan over 18 without official income and the self-employed
Rate (main case)	30%/year30% per annum with a 50% down paymentterm up to 120 mo.
Lowest rate	30%/year30% per annum
Highest rate	30%/year30% per annum
Maximum amount	based on the cost of the housing being purchased, the figure is not specified
Loan term	12–120 mo.
Down payment	50%from 50% of the cost
Grace period	12 mo.
Collateral	yes
Accepted as collateral	real estate
Proof of income	no
Borrower age	from 18 years

Rates by term, amount and client category

Term	Amount	Down payment from	Rate
12–120 mo.	—	50%	30%/yeardown payment 50% (the only option in the calculator); for persons without an official income, self-employed

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

Payroll project no collateral

Purpose	microloan for payroll project participants
Available to	for employees of budget organizations and individuals participating in the Garant bank payroll project
Rate (main case)	21%/year21% per annum for 12 monthsthe rate depends on the term: 12 mo. - 21%, 24 - 24%, 36 - 25%, 48 - 26%
Lowest rate	21%/year21% for 12 months
Highest rate	26%/year26% for 48 months
Maximum amount	100 000 000 UZSup to 100 000 000 UZS
Loan term	up to 48 mo.
Collateral	no

Rates by term, amount and client category

Term	Amount	Clients	Rate
12 mo.	—	salary clients	21%/yearpayroll project participants, employees of budget organizations
24 mo.	—	salary clients	24%/year
36 mo.	—	salary clients	25%/year
48 mo.	—	salary clients	26%/year

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

Purpose	needs of self-employed persons; microloans for self-employed persons to start a business
Available to	for self-employed persons — citizens of the Republic of Uzbekistan over 18 years old registered with the tax service
Rate (main case)	25%/year25% per annumterm up to 12 mo.
Lowest rate	25%/year25% per annum
Highest rate	25%/year25% per annum
Maximum amount	20 000 000 UZSup to 20 000 000 UZS
Loan term	up to 12 mo.
Borrower age	from 18 years

Rates by term, amount and client category

Term	Amount	Clients	Rate
12 mo.	—	special category	25%/yearfor self-employed individuals

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 ↗

GO no collateral

Purpose	any purpose (the principle of targeted use does not apply)
Available to	for citizens of the Republic of Uzbekistan over 18 years old with continuous official income over the last 6 months and a Garant bank card
Rate (main case)	28%/year28% per annum for a term of up to 12 monthsup to 24 mo. - 30%, up to 36 - 32%, up to 48 - 34%
Lowest rate	28%/year28% for a term of up to 12 months
Highest rate	34%/year34% for a term of up to 48 months
Maximum amount	100 000 000 UZSup to 100 000 000 UZS
Loan term	up to 48 mo.
Collateral	no
Proof of income	yes
Borrower age	from 18 years

Rates by term, amount and client category

Term	Amount	Rate
12 mo.	—	28%/yearterm up to 12 mo.
24 mo.	—	30%/yearterm up to 24 mo.
36 mo.	—	32%/yearterm up to 36 mo.
48 mo.	—	34%/yearterm up to 48 mo.

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 ↗

TEZ VA QULAY ONLINE 2.0 onlineno collateral

Purpose	microloan for personal needs
Available to	to citizens of the Republic of Uzbekistan over 18; with official income for at least 2 consecutive months or self-employed; issued only after the TEZ VA QULAY ONLINE loan has been fully repaid
Rate (main case)	30%/year30% per annum for persons with official incometerm up to 12 mo.
Lowest rate	30%/year30% for persons with official income
Highest rate	35%/year35% for self-employed
Minimum amount	500 000 UZSfrom 500 000 UZSlower limit from the heading '500 000 - 1 000 000 UZS'
Maximum amount	1 000 000 UZSup to 1 000 000 UZSfor self-employed up to 500 000 UZS
Loan term	up to 12 mo.
Late payment penalty	45%/year45% per annum on overdue debt (self-employed - 50%)rate charged on overdue debt
Collateral	no
Proof of income	yes
Insurance required	yes
Borrower age	from 18 years

Rates by term, amount and client category

Term	Amount	Clients	Rate
12 mo.	up to 1 000 000 UZS	all clients	30%/yearfor persons with official income, amount up to 1 000 000 UZS
12 mo.	up to 500 000 UZS	special category	35%/yearfor self-employed persons, amount up to 500 000 UZS

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 onlineno collateral

Purpose	any purpose (the principle of targeted use does not apply)
Available to	individuals with official and regular income over the last 6 months (including employees of budget organizations) who hold a Garant bank card
Rate (main case)	30%/year30% per annum for a term of up to 12 monthsthe rate grows with the term: up to 6 mo. - 28%, up to 12 - 30%, up to 18 - 32%, up to 24 - 34%, up to 30 - 36%, up to 36 - 38%, up to 42 - 40%, up to 48 - 42%
Lowest rate	28%/year28% for a term of up to 6 months
Highest rate	42%/year42% for a term of up to 48 months
Maximum amount	100 000 000 UZSup to 100 000 000 UZSthe borrower’s total debt on microloans across all banks must not exceed 100 mln UZS
Loan term	up to 48 mo.
Collateral	no
Proof of income	yes
Insurance required	yes
Repayment scheme	annuity
Borrower age	18–65 years

Rates by term, amount and client category

Term	Amount	Rate	Repayment
6 mo.	—	28%/yearterm up to 6 mo.	annuity
12 mo.	—	30%/yearterm up to 12 mo.	annuity
18 mo.	—	32%/yearterm up to 18 mo.	annuity
24 mo.	—	34%/yearterm up to 24 mo.	annuity
30 mo.	—	36%/yearterm up to 30 mo.	annuity
36 mo.	—	38%/yearterm up to 36 mo.	annuity
42 mo.	—	40%/yearterm up to 42 mo.	annuity
48 mo.	—	42%/yearterm up to 48 mo.	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 ↗

Imkoniyat

Purpose	for the borrower's needs (to individuals and self-employed persons)
Available to	to citizens of the Republic of Uzbekistan over 18 years old (individuals and self-employed persons)
Rate (main case)	32%/year32% per annumterm up to 30 mo.
Lowest rate	32%/year32% per annum
Highest rate	32%/year32% per annum
Maximum amount	100 000 000 UZSup to 100 000 000 UZSthe borrower's total debt on microloans across all banks must not exceed 100 mln UZS
Loan term	up to 30 mo.
Issuance fee	1%/transaction1% for cash withdrawal at the bank's cashier when the loan is disburseda fee applies only when receiving cash at the teller; the fee for a transfer to a card is not stated on the page
Collateral	yes
Accepted as collateral	deposit, car, real estate
Borrower age	from 18 years
Decision time	processing within a day

Rates by term, amount and client category

Term	Amount	Rate
30 mo.	—	32%/yearone rate for any term up to 30 months (calculator: 12 and 30)

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 ↗

Farovonlik

Purpose	microloan for self-employed persons
Available to	for self-employed persons — citizens of the Republic of Uzbekistan over 18 years old registered with the tax service
Lowest rate	30%/yearfrom 30% per annumon the page: 'from 30 % to 32 %', the rate conditions are not disclosed
Highest rate	32%/yearup to 32% per annum
Maximum amount	300 000 000 UZSup to 300 000 000 UZS
Loan term	up to 60 mo.
Grace period	3 mo.
Collateral	yes
Accepted as collateral	deposit, real estate, car, other
Borrower age	from 18 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 ↗