All Ipak Yuli Bank 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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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
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 ↗
Frequently asked questions
What is the auto loan rate at Ipak Yuli Bank?
The lowest rate in sums on this page is 14% 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 Ipak Yuli Bank auto loan?
The lowest down payment stated by the bank is 25% of the car price, on “Auto loan for Chevrolet”. Other programmes may require more.
Does Ipak Yuli Bank offer a 0% auto loan?
A 0% rate appears among the options of 5 loans: “0% auto loan for Leapmotor, Aito and GAC”, “Auto loan for Chevrolet”, “Auto loan for Voyah cars”, “Auto loan for new Volkswagen cars”, “Auto loan for Lixiang”. These are usually partner programmes with a set term and down payment, shown in each loan’s rate table.
