Hamkorbank microloans
Rates as of 23.10.2026More details
All Hamkorbank microloans on one page: 4 loans. Each shows rates, amount, term, how to apply 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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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.
Microloans 4
Microloan Plus online
| Purpose | for any purpose |
|---|---|
| Available to | self-employed |
| Rate (main case) | 23.99%/year23,99% per annum for a term of up to 12 monthsFor recipients with a debt burden of up to 50%; for a term of up to 60 months - 25,99%. Collateral is required. |
| Lowest rate | 23.99%/yearfrom 23,99%Up to 12 months with a debt burden of up to 50% |
| Highest rate | 29.99%/yearup to 29,99%Up to 60 months, debt burden is not taken into account, collateral - a car older than 5 and not older than 7 years |
| Minimum amount | 20 600 000 UZSfrom 20,6 mln UZS (50 BCV)1 BCV = 412 000 UZS (effective from 01.08.2025 per the page) |
| Maximum amount | 300 000 000 UZSup to 300 mln UZS |
| Loan term | up to 60 mo. |
| Early repayment | freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page) |
| Collateral | yes |
| Accepted as collateral | car, real estate |
| Early repayment allowed | yes |
| Repayment scheme | annuity |
Rates by term, amount and client category
| Term | Amount | Clients | Rate | Repayment |
|---|---|---|---|---|
| 12 mo. | 20 600 000 – 300 000 000 UZS | all clients | 23.99%/yearDebt burden up to 50% | annuity |
| 12 mo. | 20 600 000 – 300 000 000 UZS | all clients | 27.99%/yearDebt burden up to 50%; collateral - a car older than 5 and not older than 7 years (surcharge) | annuity |
| 12 mo. | 20 600 000 – 300 000 000 UZS | special category | 25.99%/yearRecipients for whom the debt burden is not taken into account | annuity |
| 12 mo. | 20 600 000 – 300 000 000 UZS | special category | 28.99%/yearDebt burden is not taken into account; collateral - a car older than 5 and not older than 7 years | annuity |
| 13–60 mo. | 20 600 000 – 300 000 000 UZS | all clients | 25.99%/yearDebt burden up to 50% | annuity |
| 13–60 mo. | 20 600 000 – 300 000 000 UZS | all clients | 28.99%/yearDebt burden up to 50%; collateral - a car older than 5 and not older than 7 years (surcharge) | annuity |
| 13–60 mo. | 20 600 000 – 300 000 000 UZS | special category | 27.99%/yearRecipients for whom the debt burden is not taken into account | annuity |
| 13–60 mo. | 20 600 000 – 300 000 000 UZS | special category | 29.99%/yearDebt burden is not taken into account; collateral - a car older than 5 and not older than 7 years | 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 ↗
Start microloan
| Purpose | financing of self-employed activities aimed at generating income |
|---|---|
| Available to | individuals who first registered as self-employed no more than 6 months ago |
| Rate (main case) | 32%/year32% per annum for a term of up to 36 monthsSingle rate for the entire term range |
| Lowest rate | 32%/year32% |
| Highest rate | 32%/year32% |
| Maximum amount | 100 000 000 UZSup to 100 mln UZS |
| Loan term | up to 36 mo. |
| Early repayment | freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page) |
| Accepted as collateral | car, real estate |
| Early repayment allowed | yes |
| Repayment scheme | annuity |
| Borrower age | 21–60 years |
Rates by term, amount and client category
| Term | Amount | Rate | Repayment |
|---|---|---|---|
| 36 mo. | up to 100 000 000 UZS | 32%/yearSingle rate 32% per annum | 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 ↗
Light 2 microloan no collateral
| Purpose | for any purpose |
|---|---|
| Lowest rate | 23%/yearfrom 23%Range on the page: from 23% to 38% per annum |
| Highest rate | 38%/yearup to 38% |
| Minimum amount | 4 120 000 UZSfrom 4,1 mln UZS (10 BCV)1 BCU = 412 000 UZS |
| Maximum amount | 100 000 000 UZSup to 100 mln UZS |
| Loan term | up to 36 mo. |
| Early repayment | freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page) |
| Collateral | no |
| Guarantor | no |
| Early repayment allowed | yes |
| Repayment scheme | annuity |
| Decision time | up to 3 business days |
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 | for any purpose |
|---|---|
| Available to | citizens of the Republic of Uzbekistan with official employment and a stable income for the last 12 months |
| Lowest rate | 23%/yearfrom 23%Rate from the page’s card and conditions table: from 23% to 38% per annum; the dependence of the rate on term and amount is not specified on the page |
| Highest rate | 38%/yearup to 38%Upper limit of the 23-38% range from the loan page |
| Minimum amount | 1 000 000 UZSfrom 1 mln UZS |
| Maximum amount | 100 000 000 UZSup to 100 mln UZS |
| Loan term | 6–36 mo. |
| Early repayment | freeNo fees or penaltiesFull or partial early repayment without additional fees and penalties (loan page) |
| Collateral | no |
| Guarantor | no |
| Early repayment allowed | yes |
| Repayment scheme | annuity |
| Decision time | in 1 minute |
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 microloan rate at Hamkorbank?
The lowest rate in sums on this page is 23% a year, 4 loans in total. The exact rate depends on the term, amount and bank conditions. A 0% rate is not counted here.
Can I get a Hamkorbank microloan online?
Yes, the bank lists website or app applications for 2 of 4: “Microloan Plus”, “Online”.