Kapitalbank auto loans
Rates as of 23.10.2026More details
All Kapitalbank auto loans on one page: 4 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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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 4
Qulay Nasiya (Cobalt) residents only
| Purpose | purchase of a new Cobalt car from UzAuto Motors (interest-free installments/microcredit, funds are transferred to the bank’s partner) |
|---|---|
| Available to | self-employed |
| Rate (main case) | 0%/year0% per annum for a term of 18-36 monthsinterest-free installment |
| Lowest rate | 0%/year0% per annum |
| Highest rate | 0%/year0% per annum |
| Minimum amount | 1 000 000 UZSfrom 1 mln UZSper the calculator on the page |
| Maximum amount | 300 000 000 UZSup to 300 mln UZS |
| Loan term | 18–36 mo. |
| Down payment | 30%down payment from 30% of the car pricecalculator: 30-55% |
| Insurance | 120%insurance against the risk of non-repayment for an amount of at least 120% of the loan for the entire termcost not specified |
| Collateral | yes |
| Accepted as collateral | car |
| Insurance required | yes |
| Repayment scheme | annuity |
Rates by term, amount and client category
| Term | Amount | Down payment from | Rate | Repayment |
|---|---|---|---|---|
| 18–36 mo. | 1 000 000 – 300 000 000 UZS | 30% | 0%/yearterm 18-36 mo. (card, page heading), down payment from 30%; the calculator allows a term of up to 55 mo. and a down payment of 30-55% | 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Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center.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 ↗
Reliable Start 10.0 residents only
| Purpose | purchase of Chevrolet Onix and Tracker on the primary market from UzAuto Motors and official dealers |
|---|---|
| Available to | self-employed and individual entrepreneurs |
| Rate (main case) | 0%/year0% per annum for the entire termthe term depends on the down payment (33-62 mo.) |
| Lowest rate | 0%/year0% per annum |
| Highest rate | 0%/year0% per annum |
| Minimum amount | 1 000 000 UZSfrom 1 mln UZSper the calculator on the page |
| Maximum amount | 300 000 000 UZSup to 300 mln UZS |
| Loan term | 30–62 mo. |
| Down payment | 30%down payment from 30%page table: 30-50% |
| Insurance required | yes |
| Repayment scheme | annuity |
| Borrower age | 20–65 years |
Rates by term, amount and client category
| Term | Amount | Down payment from | Rate | Repayment |
|---|---|---|---|---|
| 33 mo. | 1 000 000 – 300 000 000 UZS | 30% | 0%/yearTracker and Onix, insurance is paid by the bank | annuity |
| 40 mo. | 1 000 000 – 300 000 000 UZS | 30% | 0%/yearTracker and Onix, insurance included in the loan amount | annuity |
| 41 mo. | 1 000 000 – 300 000 000 UZS | 40% | 0%/yearTracker and Onix, insurance is paid by the bank | annuity |
| 46 mo. | 1 000 000 – 300 000 000 UZS | 45% | 0%/yearTracker and Onix, insurance is paid by the bank | annuity |
| 49 mo. | 1 000 000 – 300 000 000 UZS | 40% | 0%/yearTracker and Onix, insurance included in the loan amount | annuity |
| 54 mo. | 1 000 000 – 300 000 000 UZS | 50% | 0%/yearTracker and Onix, insurance is paid by the bank | annuity |
| 62 mo. | 1 000 000 – 300 000 000 UZS | 50% | 0%/yearTracker and Onix, insurance included in the loan 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 ↗
Successful Business + residents only
| Purpose | purchase of Damas, Labo, Captiva cars on the primary market from UzAuto Motors or official dealers (for business needs) |
|---|---|
| Available to | self-employed and individual entrepreneurs |
| Rate (main case) | 0%/year0% per annum (the term depends on the down payment)0% term - from 12 to 34 mo. depending on the model and down payment (page table) |
| Lowest rate | 0%/yearfrom 0% |
| Highest rate | 19%/year19% per calculatoronly in the calculator for terms of 15-34 mo.; on the page and card the rate is 0% |
| Minimum amount | 1 000 000 UZSfrom 1 mln UZSper the calculator on the page |
| Maximum amount | 300 000 000 UZSup to 300 mln UZS |
| Loan term | 10–34 mo. |
| Down payment | 25%down payment from 25%page table: 25-60% |
| Insurance | insurance is included in the loan amountcost not specified |
| Insurance required | yes |
| Repayment scheme | annuity |
| Borrower age | 20–65 years |
Rates by term, amount and client category
| Term | Amount | Down payment from | Rate | Repayment |
|---|---|---|---|---|
| 12 mo. | from 1 000 000 UZS | 25% | 0%/yearLabo models, insurance included in the loan amount; term at 0% with this down payment according to the page table | annuity |
| 13 mo. | from 1 000 000 UZS | 30% | 0%/yearLabo models, insurance included in the loan amount; term at 0% with this down payment according to the page table | annuity |
| 15 mo. | from 1 000 000 UZS | 25% | 0%/yearDamas/Captiva models, insurance included in the loan amount; term at 0% with this down payment per the page table | annuity |
| 16 mo. | from 1 000 000 UZS | 40% | 0%/yearLabo models, insurance included in the loan amount; term at 0% with this down payment according to the page table | annuity |
| 17 mo. | from 1 000 000 UZS | 30% | 0%/yearDamas/Captiva models, insurance included in the loan amount; term at 0% with this down payment per the page table | annuity |
| 20 mo. | from 1 000 000 UZS | 50% | 0%/yearLabo models, insurance included in the loan amount; term at 0% with this down payment according to the page table | annuity |
| 21 mo. | from 1 000 000 UZS | 40% | 0%/yearDamas/Captiva models, insurance included in the loan amount; term at 0% with this down payment per the page table | annuity |
| 26 mo. | from 1 000 000 UZS | 50% | 0%/yearDamas/Captiva models, insurance included in the loan amount; term at 0% with this down payment per the page table | annuity |
| 26 mo. | from 1 000 000 UZS | 60% | 0%/yearLabo models, insurance included in the loan amount; term at 0% with this down payment according to the page table | annuity |
| 15–34 mo. | from 1 000 000 UZS | 25% | 19%/yearonly per the calculator on the page: term 15-34 mo. - 19%; differs from the table on the page (where it is 0% for terms of 12-34 mo. depending on the down payment and model) | annuity |
| 34 mo. | from 1 000 000 UZS | 60% | 0%/yearDamas/Captiva models, insurance included in the loan amount; term at 0% with this down payment per the page table | 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 ↗
Economy start (Cobalt) residents only
| Purpose | purchase of Chevrolet Cobalt cars on the primary market from UzAuto Motors and official dealers |
|---|---|
| Available to | self-employed and individual entrepreneurs |
| Rate (main case) | 18%/year18% per annum for 36 months with a 25% contributionthe rate depends on the term and down payment (page table) |
| Lowest rate | 0%/yearfrom 0%10 mo. with a 50% down payment or 13 mo. with a 60% down payment |
| Highest rate | 19.5%/yearup to 19,5%60 mo. with a 25% down payment |
| Minimum amount | 1 000 000 UZSfrom 1 mln UZSper the calculator on the page |
| Maximum amount | 300 000 000 UZSup to 300 mln UZS |
| Loan term | 10–60 mo. |
| Down payment | 25%down payment from 25%page table: 25-60% |
| Repayment scheme | annuity |
Rates by term, amount and client category
| Term | Amount | Down payment from | Rate | Repayment |
|---|---|---|---|---|
| 10 mo. | 1 000 000 – 300 000 000 UZS | 50% | 0%/yearpage table | annuity |
| 12 mo. | 1 000 000 – 300 000 000 UZS | 25% | 10.5%/yearpage table | annuity |
| 12 mo. | 1 000 000 – 300 000 000 UZS | 30% | 8.5%/yearpage table | annuity |
| 12 mo. | 1 000 000 – 300 000 000 UZS | 40% | 5.5%/yearpage table | annuity |
| 12 mo. | 1 000 000 – 300 000 000 UZS | 50% | 2.5%/yearpage table | annuity |
| 13 mo. | 1 000 000 – 300 000 000 UZS | 60% | 0%/yearpage table | annuity |
| 18 mo. | 1 000 000 – 300 000 000 UZS | 25% | 14%/yearpage table | annuity |
| 18 mo. | 1 000 000 – 300 000 000 UZS | 30% | 12.5%/yearpage table | annuity |
| 18 mo. | 1 000 000 – 300 000 000 UZS | 40% | 10.5%/yearpage table | annuity |
| 18 mo. | 1 000 000 – 300 000 000 UZS | 50% | 8%/yearpage table | annuity |
| 18 mo. | 1 000 000 – 300 000 000 UZS | 60% | 5%/yearpage table | annuity |
| 24 mo. | 1 000 000 – 300 000 000 UZS | 25% | 16%/yearpage table | annuity |
| 24 mo. | 1 000 000 – 300 000 000 UZS | 30% | 14.5%/yearpage table | annuity |
| 24 mo. | 1 000 000 – 300 000 000 UZS | 40% | 12.5%/yearpage table | annuity |
| 24 mo. | 1 000 000 – 300 000 000 UZS | 50% | 10.5%/yearpage table | annuity |
| 24 mo. | 1 000 000 – 300 000 000 UZS | 60% | 8.5%/yearpage table | annuity |
| 25 mo. | 1 000 000 – 300 000 000 UZS | 60% | 8.7%/yearpage table | annuity |
| 36 mo. | 1 000 000 – 300 000 000 UZS | 25% | 18%/yearpage table | annuity |
| 36 mo. | 1 000 000 – 300 000 000 UZS | 30% | 16.5%/yearpage table | annuity |
| 36 mo. | 1 000 000 – 300 000 000 UZS | 40% | 15%/yearpage table | annuity |
| 36 mo. | 1 000 000 – 300 000 000 UZS | 50% | 13.6%/yearpage table | annuity |
| 36 mo. | 1 000 000 – 300 000 000 UZS | 60% | 12%/yearpage table | annuity |
| 48 mo. | 1 000 000 – 300 000 000 UZS | 25% | 19%/yearpage table | annuity |
| 48 mo. | 1 000 000 – 300 000 000 UZS | 30% | 17.5%/yearpage table | annuity |
| 48 mo. | 1 000 000 – 300 000 000 UZS | 40% | 16.5%/yearpage table | annuity |
| 48 mo. | 1 000 000 – 300 000 000 UZS | 50% | 15.2%/yearpage table | annuity |
| 48 mo. | 1 000 000 – 300 000 000 UZS | 60% | 14%/yearpage table; the table shows the value '14,00' without the % sign | annuity |
| 60 mo. | 1 000 000 – 300 000 000 UZS | 25% | 19.5%/yearpage table | annuity |
| 60 mo. | 1 000 000 – 300 000 000 UZS | 30% | 16%/yearpage table | annuity |
| 60 mo. | 1 000 000 – 300 000 000 UZS | 40% | 14.5%/yearpage table | annuity |
| 60 mo. | 1 000 000 – 300 000 000 UZS | 50% | 13.5%/yearpage table | annuity |
| 60 mo. | 1 000 000 – 300 000 000 UZS | 60% | 15%/yearpage table; the 15,00% value is higher than with a 50% down payment (13,5%) – possible typo on the site | 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 ↗
Frequently asked questions
What is the auto loan rate at Kapitalbank?
The lowest rate in sums on this page is 18% a year, 4 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 Kapitalbank auto loan?
The lowest down payment stated by the bank is 25% of the car price, on “Successful Business +”. Other programmes may require more.
Does Kapitalbank offer a 0% auto loan?
A 0% rate appears among the options of 4 loans: “Qulay Nasiya (Cobalt)”, “Reliable Start 10.0”, “Successful Business +”, “Economy start (Cobalt)”. These are usually partner programmes with a set term and down payment, shown in each loan’s rate table.