Ipoteka Bank microloans
Rates as of 23.10.2026More details
All Ipoteka Bank microloans on one page: 2 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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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 2
Microloan onlineno collateral
| Purpose | for personal needs (renovation, wedding, appliances, etc.), available only in the Ipoteka Mobile app |
|---|---|
| Available to | citizens of Uzbekistan aged 20 and over: employed (salary for 6 mo.), self-employed, pensioners |
| Rate (main case) | from 24% to 48,9% per annum, the rate is determined individuallythe rate is calculated automatically based on income, credit history and debt load and is shown in the app before confirmation |
| Lowest rate | 24%/yearfrom 24% per annum |
| Highest rate | 48.9%/yearup to 48,9% per annum |
| Minimum amount | 1 000 000 UZS1 mln UZS |
| Maximum amount | 100 000 000 UZSup to 100 mln UZS |
| Loan term | 36–60 mo. |
| Issuance fee | freefree application submission |
| Servicing fee | freefree servicing |
| Early repayment | freeno commissionfull and partial repayment via Ipoteka Mobile without commission |
| Late payment penalty | 2%/daypenalty of 2% per day on overdue interest (no more than 50% of the overdue amount); 180% of the overdue part of the principalinformation sheet: penalty of 180% of the overdue principal debt for the entire period of delay |
| Insurance | 3%voluntary insurance of 3% of the loan amountvoluntary, deducted from the loan amount; refusal does not affect the decision; insurer Imkon-Sug'urta OTP Group; term of no more than 36 mo. |
| Collateral | no |
| Guarantor | no |
| Proof of income | no |
| Insurance required | no |
| Early repayment allowed | yes |
| Repayment scheme | annuity |
| Borrower age | 20–70 years |
| Decision time | in 2 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 ↗
Microloan for self-employed onlineno collateral
| Purpose | for developing a self-employed person’s own business (equipment, raw materials, rent); the purpose is chosen by the client; applied for in the Ipoteka Mobile app |
|---|---|
| Available to | citizens of Uzbekistan with self-employed status |
| Rate (main case) | from 24% per annum, the exact rate is set individuallyrate «from», the main case is not disclosed |
| Lowest rate | 24%/yearfrom 24% per annum |
| Minimum amount | 1 000 000 UZS1 mln UZS |
| Maximum amount | 100 000 000 UZSup to 100 mln UZS |
| Loan term | 3–36 mo. |
| Early repayment | freeno penalties or fees |
| Collateral | no |
| Guarantor | no |
| Proof of income | no |
| Early repayment allowed | yes |
| Decision time | in 2 minutes (automatic check via Soliq and scoring) |
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 Ipoteka Bank?
The lowest rate in sums on this page is 24% a year, 2 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 Ipoteka Bank microloan online?
Yes, the bank lists website or app applications for 2 of 2: “Microloan”, “Microloan for self-employed”.