Ipak Yuli Bank: 34 loans, types: consumer loan, auto loan, mortgage, microloan, education loan, refinancing, secured loan, installment plan, 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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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.
Consumer loans
Consumer loan
Purpose
purchase of goods and services, repairs, education and other personal needs
Lowest rate
21.9%/yearfrom 21,9% per annumdepends on the loan term and conditions
Maximum amount
contract amount; depends on the program terms and creditworthiness
Loan term
up to 60 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Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center.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 ↗
Consumer loan with a guarantor
Purpose
personal purposes (the purpose is not disclosed on the page)
Lowest rate
25.9%/yearfrom 25,9% per annum
Maximum amount
100 000 000 UZSup to 100 000 000 UZS
Loan term
up to 36 mo.
Guarantor
yes
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center.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 loans
0% auto loan for Leapmotor, Aito and GAC
Purpose
purchase of a new Leapmotor, Aito or GAC at Evolution Motors car dealerships
Available to
Citizens of the Republic of Uzbekistan with a positive credit history and official income
Rate (main case)
0%/year0%* per annum for 36 months with a down payment from 40%for a term of 36 mo. a down payment from 40% is available (30% - only up to 24 mo.); *the final cost of the contract is determined by the car dealership
Lowest rate
0%/year0%
Highest rate
0%/year0%
Maximum amount
950 000 000 UZSup to 950 000 000 UZS
Loan term
up to 48 mo.
Down payment
30%from 30%
Collateral
yes
Accepted as collateral
car
Proof of income
yes
Early repayment allowed
yes
Borrower age
from 18 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
12 mo.
—
30%
0%/year*the final contract price is determined by the car dealership
12 mo.
—
40%
0%/year*the final contract price is determined by the car dealership
12 mo.
—
50%
0%/year*the final contract price is determined by the car dealership
12 mo.
—
60%
0%/year*the final contract price is determined by the car dealership
13–24 mo.
—
30%
0%/year*the final contract price is determined by the car dealership
13–24 mo.
—
40%
0%/year*the final contract price is determined by the car dealership
13–24 mo.
—
50%
0%/year*the final contract price is determined by the car dealership
13–24 mo.
—
60%
0%/year*the final contract price is determined by the car dealership
25–36 mo.
—
40%
0%/year*the final contract price is determined by the car dealership
25–36 mo.
—
50%
0%/year*the final contract price is determined by the car dealership
25–36 mo.
—
60%
0%/year*the final contract price is determined by the car dealership
37–48 mo.
—
60%
0%/year*the final contract price is determined by the car dealership
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 for Chevrolet
Purpose
purchase of a new Chevrolet (Onix, Captiva, Tracker, Labo, Damas) at a UzAuto dealership
Rate (main case)
0%/year0% per annumOnix/Tracker, down payment from 30%, term 36 mo.; the term depends on the model and the down payment (table on the page); does not apply to discounted cars
Lowest rate
0%/year0% per annum
Highest rate
0%/year0% per annum
Maximum amount
600 000 000 UZSup to 600 000 000 UZS
Loan term
10–60 mo.
Down payment
25%from 25% of the costCaptiva/Damas/Labo - from 25%, Onix/Tracker - from 30%
Collateral
yes
Accepted as collateral
real estate, car, deposit, gold
Early repayment allowed
yes
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
10 mo.
—
25%
0%/yearLabo models; the term depends on the model and the down payment
12 mo.
—
25%
0%/yearmodels Captiva, Damas; the term depends on the model and the down payment
14 mo.
—
30%
0%/yearmodels Captiva, Damas; the term depends on the model and the down payment
14 mo.
—
30%
0%/yearLabo models; the term depends on the model and the down payment
16 mo.
—
40%
0%/yearLabo models; the term depends on the model and the down payment
18 mo.
—
40%
0%/yearmodels Captiva, Damas; the term depends on the model and the down payment
22 mo.
—
50%
0%/yearLabo models; the term depends on the model and the down payment
24 mo.
—
50%
0%/yearmodels Captiva, Damas; the term depends on the model and the down payment
36 mo.
—
30%
0%/yearmodels Onix, Tracker; the term depends on the model and the down payment
44 mo.
—
40%
0%/yearmodels Onix, Tracker; the term depends on the model and the down payment
55 mo.
—
50%
0%/yearmodels Onix, Tracker; the term depends on the model and the down payment
60 mo.
—
60%
0%/yearmodels Onix, Tracker; the term depends on the model and the down payment
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 for Voyah cars
Purpose
purchase of a new Voyah (Taishan, Courage, Free+, Free 318) from official dealers
Rate (main case)
0%/year0% per annumterm on the page "up to 24 months" (no base term of 36 mo., the nearest shorter one is given); tiers by down payment are not given on the page
Lowest rate
0%/year0%
Maximum amount
950 000 000 UZSup to 950 000 000 UZS
Loan term
up to 24 mo.
Rates by term, amount and client category
Term
Amount
Rate
24 mo.
—
0%/year"special lending terms with a 0% rate"; term up to 24 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 ↗
Auto loan for new Volkswagen cars
Purpose
purchase of a new Volkswagen (Passat Pro, Teramont Pro, Tiguan L Pro, Teramont X, Lavida XR, Tharu XR, Jetta VS5, Jetta VS7) from an official dealer
Available to
official income for 6 months or self-employed status
Rate (main case)
14%/year14% per annum for 36 months with a down payment from 25%per the page table; the page heading says “from 0%”, while the FAQ says “is 0% per annum” (0% - with a down payment from 40% and a 12 mo. term)
Lowest rate
0%/yearfrom 0%down payment from 40%, term 12 mo.
Highest rate
16%/yearup to 16%down payment from 25%, term 60 mo.
Maximum amount
950 000 000 UZSup to 950 000 000 UZS
Loan term
12–60 mo.
Down payment
25%from 25% of the car value
Early repayment
freeno fines or penaltiesPage FAQ: full or partial early repayment without fines or penalties
Collateral
yes
Accepted as collateral
car
Proof of income
yes
Early repayment allowed
yes
Borrower age
from 18 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
12 mo.
—
25%
6%/yearloan terms are determined individually based on scoring analysis
12 mo.
—
30%
4.5%/yearloan terms are determined individually based on scoring analysis
12 mo.
—
40%
0%/yearloan terms are determined individually based on scoring analysis
12 mo.
—
50%
0%/yearloan terms are determined individually based on scoring analysis
12 mo.
—
60%
0%/yearloan terms are determined individually based on scoring analysis
13–24 mo.
—
25%
12%/yearloan terms are determined individually based on scoring analysis
13–24 mo.
—
30%
11%/yearloan terms are determined individually based on scoring analysis
13–24 mo.
—
40%
8.5%/yearloan terms are determined individually based on scoring analysis
13–24 mo.
—
50%
6%/yearloan terms are determined individually based on scoring analysis
13–24 mo.
—
60%
2.5%/yearloan terms are determined individually based on scoring analysis
25–36 mo.
—
25%
14%/yearloan terms are determined individually based on scoring analysis
25–36 mo.
—
30%
13.5%/yearloan terms are determined individually based on scoring analysis
25–36 mo.
—
40%
12%/yearloan terms are determined individually based on scoring analysis
25–36 mo.
—
50%
10%/yearloan terms are determined individually based on scoring analysis
25–36 mo.
—
60%
7%/yearloan terms are determined individually based on scoring analysis
37–48 mo.
—
25%
15%/yearloan terms are determined individually based on scoring analysis
37–48 mo.
—
30%
14.5%/yearloan terms are determined individually based on scoring analysis
37–48 mo.
—
40%
13.5%/yearloan terms are determined individually based on scoring analysis
37–48 mo.
—
50%
11.5%/yearloan terms are determined individually based on scoring analysis
37–48 mo.
—
60%
10%/yearloan terms are determined individually based on scoring analysis
49–60 mo.
—
25%
16%/yearloan terms are determined individually based on scoring analysis
49–60 mo.
—
30%
15.5%/yearloan terms are determined individually based on scoring analysis
49–60 mo.
—
40%
14%/yearloan terms are determined individually based on scoring analysis
49–60 mo.
—
50%
12.5%/yearloan terms are determined individually based on scoring analysis
49–60 mo.
—
60%
10.5%/yearloan terms are determined individually based on scoring analysis
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 for Lixiang
Purpose
purchase of a new Lixiang L6, L7, L9 (Li Auto) from official dealers
Available to
citizens of the Republic of Uzbekistan
Rate (main case)
18%/year18% per annum for 36 months with a 30% contributionper the table on the page; in the list and heading "from 0%" (0% - down payment 60%, term 12 mo.)
Lowest rate
0%/yearfrom 0%down payment 60%, term up to 12 mo.
Highest rate
20.5%/yearup to 20,5%down payment 30%, term up to 60 mo.
Maximum amount
950 000 000 UZSup to 950 000 000 UZS
Loan term
up to 60 mo.
Down payment
30%from 30% (minimum in the rate table)
Early repayment allowed
yes
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
12 mo.
—
30%
9.9%/year
12 mo.
—
40%
8%/year
12 mo.
—
50%
4%/year
12 mo.
—
60%
0%/year
13–24 mo.
—
30%
15.5%/year
13–24 mo.
—
40%
14%/year
13–24 mo.
—
50%
11.5%/year
13–24 mo.
—
60%
8.5%/year
25–36 mo.
—
30%
18%/year
25–36 mo.
—
40%
17%/year
25–36 mo.
—
50%
15.5%/year
25–36 mo.
—
60%
12.5%/year
37–48 mo.
—
30%
20%/year
37–48 mo.
—
40%
19%/year
37–48 mo.
—
50%
18%/year
37–48 mo.
—
60%
15.5%/year
49–60 mo.
—
30%
20.5%/year
49–60 mo.
—
40%
20%/year
49–60 mo.
—
50%
19%/year
49–60 mo.
—
60%
16.5%/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 ↗
Auto loan for civil servantsonline
Purpose
purchase of a car on the primary or secondary market
Available to
employees of state and budget-funded organizations
Rate (main case)
21.9%/year21,9% per annum for 36 months with a down payment from 25%
Lowest rate
20.9%/yearfrom 20,9%
Highest rate
22.9%/yearup to 22,9%term 60 mo., down payment 25-49,99%
Maximum amount
800 000 000 UZSup to 800 000 000 UZS
Loan term
up to 60 mo.
Down payment
25%from 25% of the car value
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
12 mo.
—
25%
public-sector employees
20.9%/yeardown payment from 25% to 49,99% inclusive
13–24 mo.
—
25%
public-sector employees
20.9%/yeardown payment from 25% to 49,99% inclusive
25–36 mo.
—
25%
public-sector employees
21.9%/yeardown payment from 25% to 49,99% inclusive
36 mo.
—
50%
public-sector employees
20.9%/yeardown payment of 50% or more
37–60 mo.
—
25%
public-sector employees
22.9%/yeardown payment from 25% to 49,99% inclusive
37–60 mo.
—
50%
public-sector employees
21.9%/yeardown payment of 50% or more
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 for the primary market
Purpose
purchase of a car at a car dealership (any car, including an electric car)
Rate (main case)
23.9%/year23,9% per annum for 36 months with a down payment from 25%
Lowest rate
20.9%/yearfrom 20,9%term up to 12 mo., down payment 25%
Highest rate
24.9%/yearup to 24,9%term up to 60 mo., down payment 25-49,99%
Maximum amount
800 000 000 UZSup to 800 mln UZS
Loan term
up to 60 mo.
Down payment
25%from 25%
Collateral
yes
Accepted as collateral
car, deposit, gold
Proof of income
yes
Early repayment allowed
yes
Borrower age
from 18 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
12 mo.
—
25%
20.9%/yeardown payment 25%
13–24 mo.
—
25%
22.9%/yeardown payment from 25% to 49,99%
25–36 mo.
—
25%
23.9%/yeardown payment from 25% to 49,99%
36 mo.
—
50%
22.9%/yeardown payment of 50% or more
37–60 mo.
—
25%
24.9%/yeardown payment from 25% to 49,99%
37–60 mo.
—
50%
23.9%/yeardown payment of 50% or more
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 on the secondary market
Purpose
purchase of a used car (the car's age no more than 5 years)
Rate (main case)
23.9%/year23,9% per annum for 36 months with a down payment from 25%
Lowest rate
20.9%/yearfrom 20,9%term up to 12 mo., down payment 25%
Highest rate
24.9%/yearup to 24,9%term up to 60 mo., down payment 25-49,99%
Maximum amount
800 000 000 UZSup to 800 mln UZS
Loan term
up to 60 mo.
Down payment
25%from 25%
Collateral
yes
Accepted as collateral
car, deposit, gold
Proof of income
yes
Early repayment allowed
yes
Borrower age
from 18 years
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
12 mo.
—
25%
20.9%/yeardown payment 25%
13–24 mo.
—
25%
22.9%/yeardown payment from 25% to 49,99%
25–36 mo.
—
25%
23.9%/yeardown payment from 25% to 49,99%
36 mo.
—
50%
22.9%/yeardown payment of 50% or more
37–60 mo.
—
25%
24.9%/yeardown payment from 25% to 49,99%
37–60 mo.
—
50%
23.9%/yeardown payment of 50% or more
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 for persons with informal income
Purpose
car purchase
Available to
clients without officially confirmed income (confirmation — bank card turnover for 6 months)
Rate (main case)
24.9%/year24,9% per annum for 36 months with a down payment from 30%
Lowest rate
21.9%/yearfrom 21,9%term up to 12 mo., down payment 30%
Highest rate
25.9%/yearup to 25,9%term up to 60 mo., down payment 30-49,99%
Maximum amount
800 000 000 UZSup to 800 mln UZS
Loan term
up to 60 mo.
Down payment
30%from 30%
Collateral
yes
Accepted as collateral
car, deposit, gold
Early repayment allowed
yes
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
12 mo.
—
30%
special category
21.9%/yeardown payment 30%
13–24 mo.
—
30%
special category
23.9%/yeardown payment from 30% to 49,99%
25–36 mo.
—
30%
special category
24.9%/yeardown payment from 30% to 49,99%
36 mo.
—
50%
special category
23.9%/yeardown payment of 50% or more
37–60 mo.
—
30%
special category
25.9%/yeardown payment from 30% to 49,99%
37–60 mo.
—
50%
special category
24.9%/yeardown payment of 50% or more
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 for self-employed
Purpose
purchase of a passenger car on the primary and secondary markets
Available to
self-employed citizens of the Republic of Uzbekistan
Lowest rate
21.9%/yearfrom 21,9% per annumminimum rate per FAQ
Highest rate
25.9%/yearup to 25,9%maximum rate per FAQ
Maximum amount
800 000 000 UZSup to 800 mln UZS
Loan term
12–60 mo.
Down payment
30%from 30%
Early repayment allowed
yes
Decision time
immediately (scoring analysis)
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
Mortgage for new-build housing
Purpose
purchase of an apartment in a new building
Rate (main case)
16.5%/year16,5% per annumin the regions; in Tashkent 17-17,5%; for clients without official income 17-18%
Lowest rate
16.5%/yearfrom 16,5%regions
Highest rate
18%/yearup to 18%clients without official income
Maximum amount
480 000 000 UZSup to 480 000 000 UZS
Loan term
up to 240 mo.
Collateral
yes
Accepted as collateral
real estate
Decision time
usually 2-3 business days
Rates by term, amount and client category
Term
Amount
Rate
240 mo.
—
16.5%/yearin the regions
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 ↗
Murad Buildings mortgage
Purpose
purchase of an apartment in the Murad Buildings residential complexes (SAADIYAT, C1, REGNUM PLAZA, SOY BO'YI), including at the construction stage
Available to
clients with official or unofficial income and self-employed
Rate (main case)
17.5%/year17,5% per annumafter the cadastre is obtained, for the part of the loan up to 480 mln UZS; before the cadastre 20%; for the remaining loan after the cadastre 19-23,5%
Lowest rate
17.5%/yearfrom 17,5%
Highest rate
23.5%/yearup to 23,5%for the part of the loan above 480 mln UZS after obtaining the cadastre
Maximum amount
2 000 000 000 UZSup to 2 000 000 000 UZS
Loan term
up to 240 mo.
Down payment
20%from 20% for clients with official income, from 25% for unofficial income and self-employed
Collateral
yes
Accepted as collateral
real estate
Proof of income
no
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
240 mo.
—
20%
all clients
20%/yearrate until the cadastre is obtained (purchase at the construction stage)
240 mo.
up to 480 000 000 UZS
20%
all clients
17.5%/yearafter obtaining the cadastre, for the part of the loan up to 480 mln UZS
240 mo.
—
25%
special category
20%/yearclients with unofficial income and self-employed: down payment from 25%; rate before the cadastre 20% (per the page text), after the cadastre the same as for the others
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 ↗
Mortgage loan for NUR residential complex
Purpose
purchase of an apartment in the "Nur" residential complex
Rate (main case)
19%/year19% per annum for a term of up to 10 years18% - for a term of up to 7 years
Lowest rate
18%/yearfrom 18%term up to 7 years
Highest rate
19%/year19%term up to 10 years
Maximum amount
3 480 000 000 UZSup to 3 480 000 000 UZS
Loan term
up to 120 mo.
Down payment
15%from 15% of the apartment value
Collateral
yes
Accepted as collateral
real estate
Decision time
usually 2-3 business days
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
84 mo.
—
15%
18%/yearterm up to 7 years
85–120 mo.
—
15%
19%/yearterm up to 10 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 ↗
Mortgage
Purpose
purchase of real estate on the primary or secondary market
Rate (main case)
23.9%/year23,9% per annum for a term of up to 120 months with a down payment from 20%client with an official income; for a term of up to 84 mo. - 22,9% (down payment from 20%) and 21,9% (down payment from 40%)
Lowest rate
21.9%/yearfrom 21,9%official income, down payment from 40%, term up to 84 mo.
Highest rate
24.9%/yearup to 24,9%unofficial income, term up to 120 mo.
Maximum amount
1 500 000 000 UZSup to 1 500 000 000 UZS
Loan term
up to 120 mo.
Down payment
20%from 20% (official income)FAQ says “from 25%”
Collateral
yes
Accepted as collateral
real estate
Decision time
up to 5 banking business days
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
84 mo.
—
20%
all clients
22.9%/yearofficial income
84 mo.
—
25%
special category
23.9%/yearunofficial income
84 mo.
—
40%
all clients
21.9%/yearofficial income
85–120 mo.
—
20%
all clients
23.9%/yearofficial income
85–120 mo.
—
25%
special category
24.9%/yearunofficial income; the down payment is not specified in the table row, taken as for a term of up to 84 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 ↗
Home renovation loan
Purpose
renovation of an apartment or a private house (building materials, repair work); not for construction and redevelopment
Rate (main case)
23.9%/year23,9% per annumrate from the loan list; there is no rate on the loan's own page; term up to 60 mo. (base term of 120 mo. is unavailable, the nearest shorter one is taken)
Lowest rate
23.9%/year23,9%
Highest rate
23.9%/year23,9%
Maximum amount
200 000 000 UZSup to 200 000 000 UZS
Loan term
up to 60 mo.
Collateral
yes
Accepted as collateral
real estate
Early repayment allowed
yes
Decision time
2-3 business days (in the FAQ - up to 3 business days)
Rates by term, amount and client category
Term
Amount
Rate
60 mo.
—
23.9%/yearrate from the list; term up to 60 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 ↗
Mortgage refinancing
Purpose
transfer of an existing mortgage loan from another bank to Ipak Yuli Bank
Available to
citizens of the Republic of Uzbekistan with a mortgage being refinanced at another bank
Rate (main case)
23.9%/year23,9% per annumterm up to 120 months; a single rate, no tiers on the page
Lowest rate
23.9%/year23,9%
Highest rate
23.9%/year23,9%
Maximum amount
1 500 000 000 UZSup to 1 500 000 000 UZSwithin the outstanding principal of the existing mortgage
Loan term
up to 120 mo.
Down payment
no down paymentno down payment required
Collateral
yes
Accepted as collateral
real estate
Early repayment allowed
yes
Borrower age
18–60 years
Rates by term, amount and client category
Term
Amount
Rate
120 mo.
—
23.9%/yearterm "up to 10 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 ↗
Microloans
Microloan for payroll projectsno collateral
Purpose
non-purpose - any personal needs
Available to
those receiving salary under the Ipak Yuli Bank payroll project
Rate (main case)
22.9%/year22,9% per annum for a term of up to 12 months
Lowest rate
22.9%/yearfrom 22,9%term up to 12 mo.
Highest rate
25.9%/yearup to 25,9%term up to 36 mo.
Maximum amount
100 000 000 UZSup to 100 000 000 UZS
Loan term
up to 36 mo.
Collateral
no
Guarantor
yes
Rates by term, amount and client category
Term
Amount
Clients
Rate
12 mo.
—
salary clients
22.9%/year
13–24 mo.
—
salary clients
23.9%/year
25–36 mo.
—
salary clients
25.9%/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 ↗
Microloan for civil servants with a guarantoronlineno collateral
Purpose
for any personal purposes (home renovation, furniture, appliances, treatment, education)
Available to
employees of state and budget-funded organizations
Rate (main case)
23.9%/year23,9% per annum for a term of up to 12 months
Lowest rate
23.9%/yearfrom 23,9%term up to 12 mo.
Highest rate
26.9%/yearup to 26,9%term up to 36 mo.
Maximum amount
100 000 000 UZSup to 100 000 000 UZS
Loan term
up to 36 mo.
Insurance
1 250 000 UZScollateral insurance 1 250 000 UZSin the conditions block of the page
Collateral
no
Guarantor
yes
Early repayment allowed
yes
Decision time
within 3 business days
Rates by term, amount and client category
Term
Amount
Clients
Rate
12 mo.
—
public-sector employees
23.9%/year
13–24 mo.
—
public-sector employees
24.9%/year
25–36 mo.
—
public-sector employees
26.9%/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 ↗
Microloan with a guarantorno collateral
Purpose
personal purposes
Rate (main case)
25.9%/year25,9% per annum for a term of up to 12 months
Lowest rate
25.9%/yearfrom 25,9%term up to 12 mo.
Highest rate
28.9%/yearup to 28,9%term up to 36 mo.; in FAQ “from 28,9%”
Maximum amount
100 000 000 UZSup to 100 000 000 UZS
Loan term
up to 36 mo.
Collateral
no
Guarantor
yes
Proof of income
yes
Early repayment allowed
yes
Rates by term, amount and client category
Term
Amount
Rate
12 mo.
—
25.9%/year
13–24 mo.
—
26.9%/year
25–36 mo.
—
28.9%/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 ↗
Qulay microloanonlineno collateral
Purpose
everyday purchases and personal expenses
Rate (main case)
31.9%/year31,9% per annum for a term of up to 12 months
Lowest rate
31.9%/year31,9%
Highest rate
31.9%/year31,9%
Maximum amount
10 000 000 UZSup to 10 000 000 UZS
Loan term
up to 12 mo.
Collateral
no
Guarantor
no
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 ↗
Microloan for self-employed
Purpose
for any purpose - business development or personal needs
Available to
self-employed registered in Uzbekistan
Lowest rate
21%/yearfrom 21% per annumvalue only in the list of loans; there is no rate on the loan page
Maximum amount
300 000 000 UZSup to 300 mln UZSdepending on the collateral valuation and solvency
Loan term
up to 60 mo.
Collateral
yes
Accepted as collateral
real estate, car, deposit, gold
Proof of income
no
Early repayment allowed
yes
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 microloanonlineno collateral
Purpose
for any purpose (appliances, unexpected expenses, travel, renovation)
Lowest rate
32.81%/yearfrom 32,81% per annumvalue only in the list of loans; there is no rate on the loan page
Maximum amount
100 000 000 UZSup to 100 000 000 UZS
Loan term
up to 48 mo.
Collateral
no
Guarantor
no
Decision time
in a few 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 ↗
Education loans
Education loan
Purpose
tuition payment at higher education institutions of the Republic of Uzbekistan
Lowest rate
24.9%/yearfrom 24,9% per annumdepends on the selected repayment schedule
Maximum amount
50 000 000 UZSup to 50 000 000 UZSdepending on the cost of tuition and scoring
Loan term
up to 36 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 ↗
Loan refinancing
Auto loan refinancing
Purpose
replacing an auto loan from another bank with a more favorable one (new and used cars)
Available to
citizens of the Republic of Uzbekistan with an existing auto loan at another bank with a term of 6 months or more
Rate (main case)
23.9%/yearnot lower than 23,9% per annum for a term of up to 36 monthsreduction — by 5% of the current loan rate, but not below the threshold for the term; 23,9% is the threshold for a term of up to 36 mo.
Lowest rate
20.9%/yearfrom 20,9%page title; FAQ thresholds start at 21%
Maximum amount
800 000 000 UZSup to 800 000 000 UZS
Loan term
up to 60 mo.
Early repayment allowed
yes
Borrower age
from 18 years
Rates by term, amount and client category
Term
Amount
Rate
12 mo.
—
21%/yearminimum rate (threshold) for a term of up to 12 mo.
13–36 mo.
—
23.9%/yearminimum rate (threshold) for a term of up to 36 mo.
37–60 mo.
—
24.9%/yearminimum rate (threshold) for a term of up to 60 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 ↗
Loan refinancing with a guarantor
Purpose
full repayment of an expensive loan or microloan at another bank on more favorable terms
Available to
citizens of the Republic of Uzbekistan with a loan or microloan at another bank with a term of 6 months or more
Rate (main case)
26%/yearnot lower than 26% per annumthreshold "reduced rate, not lower than 26%" (footnote on the page); in the heading "from 22,9%"; term up to 36 mo.
Lowest rate
22.9%/yearfrom 22,9%page title; footnote on the page - not lower than 26%
Maximum amount
100 000 000 UZSup to 100 000 000 UZS
Loan term
up to 36 mo.
Guarantor
yes
Early repayment allowed
yes
Borrower age
from 18 years
Rates by term, amount and client category
Term
Amount
Rate
36 mo.
—
26%/yearminimum rate (threshold) per the page footnote
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 ↗
Refinancing of a loan with collateral
Purpose
full repayment of an expensive loan or microloan at another bank/MFO on more favorable terms
Available to
citizens of the Republic of Uzbekistan with a loan or microloan at another bank/MFO with a term of 6 months or more
Rate (main case)
26.5%/yearnot lower than 26,5% per annum for a term of up to 36 monthsthreshold from the FAQ for a term of 13-36 mo.; final rate = current rate minus 5% of it, but not below the threshold; the heading says “from 22,9%”
Lowest rate
22.9%/yearfrom 22,9%page title; FAQ thresholds start at 25%
Maximum amount
100 000 000 UZSup to 100 000 000 UZS
Loan term
up to 60 mo.
Collateral
yes
Accepted as collateral
real estate, car, deposit, gold
Early repayment allowed
yes
Borrower age
from 18 years
Rates by term, amount and client category
Term
Amount
Rate
12 mo.
—
25%/yearminimum rate (threshold) for a term of up to 12 mo.
13–36 mo.
—
26.5%/yearminimum rate (threshold) for a term of 13-36 mo.
37–60 mo.
—
27.9%/yearminimum rate (threshold) for a term of 37-60 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 ↗
Secured loans
Collateralized microloan for civil servantsonline
Purpose
for any personal purposes (home renovation, furniture, appliances, treatment, education)
Available to
employees of state and budget-funded organizations
Rate (main case)
20.9%/year20,9% per annum for a term of up to 12 months
Lowest rate
20.9%/yearfrom 20,9%term up to 12 and up to 36 mo.
Highest rate
22.9%/yearup to 22,9%term up to 60 mo.
Maximum amount
100 000 000 UZSup to 100 000 000 UZS
Loan term
up to 60 mo.
Insurance
1 250 000 UZScollateral insurance 1 250 000 UZSin the conditions block of the page
Collateral
yes
Accepted as collateral
real estate, car, deposit, gold
Guarantor
no
Proof of income
yes
Early repayment allowed
yes
Decision time
within 3 business days
Rates by term, amount and client category
Term
Amount
Clients
Rate
12 mo.
—
public-sector employees
20.9%/year
13–36 mo.
—
public-sector employees
20.9%/year
37–60 mo.
—
public-sector employees
22.9%/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 ↗
Collateral-backed microloan
Purpose
personal purposes
Rate (main case)
21.9%/year21,9% per annum for a term of up to 12 months
Lowest rate
21.9%/yearfrom 21,9%term up to 12 mo.
Highest rate
25.9%/yearup to 25,9%term up to 60 mo.
Maximum amount
100 000 000 UZSup to 100 000 000 UZS
Loan term
up to 60 mo.
Collateral
yes
Accepted as collateral
real estate, car, deposit, gold
Rates by term, amount and client category
Term
Amount
Rate
12 mo.
—
21.9%/year
13–36 mo.
—
22.9%/year
37–60 mo.
—
25.9%/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 ↗
Microloan for persons with informal income
Purpose
personal purposes
Available to
clients without officially confirmed income
Rate (main case)
22.9%/year22,9% per annum for a term of up to 12 months
Lowest rate
22.9%/yearfrom 22,9%term up to 12 mo.
Highest rate
24.9%/yearup to 24,9%term up to 60 mo.
Maximum amount
100 000 000 UZSup to 100 000 000 UZS
Loan term
up to 60 mo.
Collateral
yes
Accepted as collateral
real estate, car, deposit, gold
Proof of income
no
Rates by term, amount and client category
Term
Amount
Clients
Rate
12 mo.
—
special category
22.9%/year
13–36 mo.
—
special category
23.9%/year
37–60 mo.
—
special category
24.9%/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 ↗
Installment plans
Interest-free instalment plan at Medionno collateral
Purpose
payment for medical services in the Medion clinic network
Available to
receiving medical services in the Medion clinic network, with a stable official income
Rate (main case)
0%/year0% per annum for 12 monthsno markup on the cost of services
Lowest rate
0%/year0%
Highest rate
0%/year0%
Maximum amount
200 000 000 UZSup to 200 000 000 UZS
Loan term
up to 12 mo.
Down payment
no down paymentno down payment required
Issuance fee
freeno commissions
Early repayment
freeno penalties or fees
Collateral
no
Proof of income
yes
Insurance required
yes
Early repayment allowed
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 ↗
Interest-free installment plan for Asialuxe Travel tours
Purpose
payment for Asialuxe Travel tours
Available to
Asialuxe Travel clients
Rate (main case)
0%/year0% per annum for 6 months
Lowest rate
0%/year0%
Highest rate
0%/year0%
Maximum amount
80 000 000 UZSup to 80 000 000 UZS
Loan term
up to 6 mo.
Issuance fee
freeno commissions
Borrower age
from 18 years
Decision time
3-5 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 ↗
Other loans
Yashil Makon
Purpose
purchase and installation of solar panels for home or business
Lowest rate
20%/yearfrom 20% per annumdepends on the loan term and conditions
Maximum amount
80 000 000 UZSup to 80 000 000 UZS
Loan term
up to 60 mo.
Collateral
yes
Accepted as collateral
other
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 ↗
