Hamkorbank auto loans
Rates as of 23.10.2026More details
All Hamkorbank auto loans on one page: 10 loans. Each shows rates by term, down payment, amount and the conditions from the bank website.
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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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 10
Auto DAMAS online
| Purpose | purchase of Damas cars sold through JSC UzAvto Motors |
|---|---|
| Available to | persons with official income; also self-employed and persons without official income |
| Rate (main case) | 0%/year0% per annum for a term of up to 26 monthsThe term depends on the down payment size; there is no 36-month base term, the maximum 26 was taken |
| Lowest rate | 0%/year0% |
| Highest rate | 0%/year0% |
| Maximum amount | 600 000 000 UZSup to 600 mln UZSUp to 400 mln UZS - for self-employed and persons with unofficial income |
| Loan term | up to 26 mo. |
| Down payment | 25%from 25% |
| Early repayment | freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan 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 |
|---|---|---|---|---|
| 26 mo. | up to 600 000 000 UZS | 25% | 0%/yearTerm up to 26 months depending on the down payment amount | 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Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center.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 UzAuto Motors online
| Purpose | purchase of cars produced in Uzbekistan and sold by JSC UzAuto Motors (Damas, Captiva, Labo, Onix, Tracker) |
|---|---|
| Available to | persons with official income; also self-employed and persons without official income |
| Rate (main case) | 0%/year0% per annum for a term of up to 60 monthsThere is no base term of 36 months: the nearest longer one, 60, is taken (Onix, Tracker; down payment from 30%). Damas, Captiva - up to 26 months, Labo - up to 21 months; 0% everywhere |
| Lowest rate | 0%/year0% |
| Highest rate | 0%/year0% |
| Maximum amount | 600 000 000 UZSup to 600 mln UZSUp to 400 mln UZS - for self-employed and persons with unofficial income |
| Loan term | up to 60 mo. |
| Down payment | 25%from 25%Onix and Tracker - from 30%; self-employed and unofficial income - from 30% |
| Early repayment | freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan 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 | Clients | Rate | Repayment |
|---|---|---|---|---|---|
| 21 mo. | up to 600 000 000 UZS | 25% | all clients | 0%/yearLabo: term up to 21 months; down payment from 25% (official income) | annuity |
| 21 mo. | up to 400 000 000 UZS | 30% | special category | 0%/yearLabo: self-employed and unofficial income, down payment from 30% | annuity |
| 26 mo. | up to 600 000 000 UZS | 25% | all clients | 0%/yearDamas and Captiva: term up to 26 months; down payment from 25% (official income), Captiva - at least 30% | annuity |
| 26 mo. | up to 400 000 000 UZS | 30% | special category | 0%/yearDamas and Captiva: self-employed and unofficial income, down payment from 30% | annuity |
| 60 mo. | up to 600 000 000 UZS | 30% | all clients | 0%/yearOnix and Tracker: term up to 60 months, down payment from 30% | 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 light
| Purpose | purchase of a car of any make on the primary and secondary markets |
|---|---|
| Available to | persons with an official income, as well as self-employed persons and persons without an official income |
| Rate (main case) | 25.99%/year25,99% per annum for a term of 1 to 5 yearsUp to 1 year - 23,99%; for borrowers with official income |
| Lowest rate | 23.99%/yearfrom 23,99%Up to 1 year, official income |
| Highest rate | 30%/yearup to 30%GM Uzbekistan cars 5-7 years: self-employed, as well as official income for a term of 1-3 years |
| Maximum amount | 600 000 000 UZSup to 600 mln UZS |
| Loan term | 12–60 mo. |
| Down payment | 25%from 25%25% - cars produced in Uzbekistan (30% if the price exceeds 600 mln); 30% - new foreign cars up to 300 mln UZS and any used foreign cars; 40% - new foreign cars and electric vehicles over 300 mln; 25% - GM Uzbekistan 5-7 years old |
| Early repayment | freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan 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 | Clients | Rate | Repayment |
|---|---|---|---|---|
| 12 mo. | up to 600 000 000 UZS | all clients | 23.99%/yearOfficial income, term up to 1 year | annuity |
| 12 mo. | up to 600 000 000 UZS | all clients | 28%/yearCars produced by GM Uzbekistan with a production age of 5-7 years, term up to 1 year; down payment from 25% | annuity |
| 12 mo. | up to 600 000 000 UZS | salary clients | 26%/yearWebsite line: for participants of active payroll projects, up to 1 year. It appears after the GM 5-7 years block, possibly relates to them (not stated directly) | annuity |
| 13–36 mo. | up to 600 000 000 UZS | all clients | 30%/yearGM Uzbekistan cars aged 5-7 years, term from 1 to 3 years | annuity |
| 13–36 mo. | up to 600 000 000 UZS | salary clients | 28%/yearSite line: for participants of active payroll projects, from 1 to 3 years (see the comment above) | annuity |
| 13–60 mo. | up to 600 000 000 UZS | all clients | 25.99%/yearOfficial income, term from 1 to 5 years | annuity |
| 12–60 mo. | up to 600 000 000 UZS | special category | 27%/yearSelf-employed and persons without official income, term from 1 to 5 years | annuity |
| 12–60 mo. | up to 600 000 000 UZS | special category | 30%/yearSelf-employed and persons without official income, GM Uzbekistan cars 5-7 years old | 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 ↗
ASAKA MOTORS online
| Purpose | purchase of vehicles produced in Uzbekistan and sold through ASAKA MOTORS INTERNATIONAL LLC |
|---|---|
| Available to | clients with proof of income; self-employed and clients with a debt burden of up to 100% |
| Lowest rate | 0%/yearfrom 0%From 0% to 13% per annum depending on the client category, down payment and term |
| Highest rate | 13%/yearup to 13%Depending on the client category, down payment and term |
| Maximum amount | 400 000 000 UZSup to 400 mln UZSUp to 350 mln UZS - for self-employed and clients with a debt burden of up to 100% |
| Loan term | up to 60 mo. |
| Down payment | 25%from 25%30% - for self-employed and clients with a debt burden of up to 100% |
| Early repayment | freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page) |
| 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 ↗
Auto ADM online
| Purpose | purchase of Kia and Chery cars manufactured by ADM Jizzakh LLC and sold through Roodell LLC |
|---|---|
| Available to | persons with official income; also self-employed and persons without official income |
| Lowest rate | 0%/yearfrom 0%The rate depends on the car model, the amount of the down payment and the term; the maximum is not specified on the page |
| Maximum amount | 600 000 000 UZSup to 600 mln UZSUp to 400 mln UZS - for self-employed and persons with unofficial income |
| Loan term | up to 60 mo. |
| Down payment | 25%from 25%30% for self-employed and persons with informal income; for Kia Seltos, K9, K8, Carnival - at least 30% (proven income) / 35% (self-employed and debt burden up to 100%); for Chery Tiggo 2 - 31% |
| Early repayment | freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page) |
| 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 ↗
Auto CHANGAN online
| Purpose | purchase of CHANGAN cars produced by ADM Jizzakh LLC and sold through CHANGAN AVTO DISTRIBUTION LLC |
|---|---|
| Available to | persons with official income; also self-employed and persons without official income |
| Lowest rate | 0%/yearfrom 0%The rate depends on the model, down payment and term; the maximum is not specified on the page |
| Maximum amount | 600 000 000 UZSup to 600 mln UZSUp to 400 mln UZS - for self-employed and persons with unofficial income |
| Loan term | up to 60 mo. |
| Down payment | 25%from 25%30% for self-employed and persons with unofficial income |
| Early repayment | freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page) |
| 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 ↗
Auto CHERY SPECIAL online
| Purpose | purchase of CHERY cars manufactured by ADM Jizzakh LLC and sold through Roodell LLC |
|---|---|
| Available to | persons with official income; also self-employed and persons without official income |
| Lowest rate | 0%/yearfrom 0%From 0% to 15,5% per annum depending on the down payment and term |
| Highest rate | 15.5%/yearup to 15,5%Depending on the down payment and term |
| Maximum amount | 600 000 000 UZSup to 600 mln UZS |
| Loan term | up to 60 mo. |
| Down payment | 25%from 25% |
| Early repayment | freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page) |
| 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 ↗
Auto HAVAL online
| Purpose | purchase of HAVAL cars produced by LLC ADM Jizzakh and sold through LLC Great Wall Motors Distribution |
|---|---|
| Available to | persons with official income; also self-employed and persons without official income |
| Lowest rate | 0%/yearfrom 0%The rate depends on the model, down payment and term; the maximum is not specified on the page |
| Maximum amount | 600 000 000 UZSup to 600 mln UZSUp to 400 mln UZS - for self-employed and persons with unofficial income |
| Loan term | up to 60 mo. |
| Down payment | 25%from 25%30% for self-employed and persons with informal income; for Haval H6, H9, Wingle 7 - at least 30% (confirmed income) / 35% (self-employed and debt burden up to 100%) |
| Early repayment | freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page) |
| 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 ↗
Auto JAC online
| Purpose | purchase of JAC M3, M4, Sunray, T8, T9, JS8, Refine RF8 cars (JAC Motors Toshkent LLC) |
|---|---|
| Available to | persons with official income; also self-employed and persons without official income |
| Lowest rate | 0%/yearfrom 0%From 0% to 24,5% per annum depending on the down payment, term and income status |
| Highest rate | 24.5%/yearup to 24,5%Depending on the down payment, term and income status |
| Maximum amount | 600 000 000 UZSup to 600 mln UZSUp to 300 mln UZS - for self-employed (up to 600 mln including microloans) |
| Loan term | up to 60 mo. |
| Down payment | 25%from 25%30% for self-employed persons and persons with an unofficial income; 30% for JAC M3 Lyuks under the promotion |
| Early repayment | freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan 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 |
|---|---|---|---|---|
| 29 mo. | up to 215 460 000 UZS | 30% | 0%/yearJAC M3 Lyuks 2025 model year promotion: 0% per annum for up to 29 months; the car price is fixed at 215 460 000 UZS; the contract with the car showroom must end with RR | 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 KIA Sonet online
| Purpose | purchase of KIA Sonet cars manufactured by ADM Jizzakh LLC and sold through Roodell LLC |
|---|---|
| Available to | persons with official income; also self-employed and persons without official income |
| Lowest rate | 0%/yearfrom 0%From 0% to 18,5% per annum depending on the down payment and term |
| Highest rate | 18.5%/yearup to 18,5%Depending on the down payment and term |
| Maximum amount | 600 000 000 UZSup to 600 mln UZS |
| Loan term | up to 60 mo. |
| Down payment | 25%from 25% |
| Early repayment | freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page) |
| 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 ↗
Frequently asked questions
What is the auto loan rate at Hamkorbank?
The lowest rate in sums on this page is 23.99% a year, 10 loans in total. The exact rate depends on the term, amount and bank conditions. A 0% rate is not counted here.
What is the down payment on a Hamkorbank auto loan?
The lowest down payment stated by the bank is 25% of the car price, on “Auto DAMAS”. Other programmes may require more.
Does Hamkorbank offer a 0% auto loan?
A 0% rate appears among the options of 3 loans: “Auto DAMAS”, “Auto UzAuto Motors”, “Auto JAC”. These are usually partner programmes with a set term and down payment, shown in each loan’s rate table.