Microcreditbank microloans
Rates as of 23.10.2026More details
All Microcreditbank 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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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
| Purpose | for any purpose |
|---|---|
| Available to | citizens of the Republic of Uzbekistan aged 18-60 with a stable income and employees of budget organizations who are participants of the payroll project |
| Rate (main case) | 24%/year24% per annum for a term of up to 12 monthsup to 24 mo. — 25%, up to 36 — 26%, up to 48 — 27%, up to 60 — 28% |
| Lowest rate | 24%/yearfrom 24% per annumterm up to 12 mo. |
| Highest rate | 28%/yearup to 28% per annumterm up to 60 mo. |
| Minimum amount | 1 000 000 UZSfrom 1 000 000 UZSlower limit of the calculator on the loan page |
| Maximum amount | 100 000 000 UZSup to 100 mln UZS |
| Loan term | 1–60 mo. |
| Early repayment | freeno fee for early repaymentgeneral wording of the page: “Repay the loan on schedule or early ... without commission”; the tariff PDF was not read (password-protected) |
| Proof of income | yes |
| Early repayment allowed | yes |
| Repayment scheme | other |
| Borrower age | 18–60 years |
| Decision time | up to 10 days |
Rates by term, amount and client category
| Term | Amount | Rate | Repayment |
|---|---|---|---|
| 12 mo. | — | 24%/yearterm up to 12 mo. | other |
| 13–24 mo. | — | 25%/yearterm up to 24 mo. | other |
| 25–36 mo. | — | 26%/yearterm up to 36 mo. | other |
| 37–48 mo. | — | 27%/yearterm up to 48 mo. | other |
| 49–60 mo. | — | 28%/yearterm up to 60 mo. | 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Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center.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 ↗
Convenient overdraft
| Purpose | for any purpose |
|---|---|
| Available to | participants of the bank's payroll project (individuals), 18-60 years |
| Rate (main case) | 24%/year24% per annum for a term of 60 monthsfor payroll project participants |
| Lowest rate | 24%/year24% per annum |
| Highest rate | 24%/year24% per annum |
| Minimum amount | 1 000 000 UZSfrom 1 000 000 UZSlower limit of the calculator on the loan page |
| Maximum amount | 100 000 000 UZS100 mln UZS |
| Loan term | 1–60 mo. |
| Early repayment | freeno fee for early repaymentgeneral wording of the page: “Repay the loan on schedule or early ... without commission”; the tariff PDF was not read (password-protected) |
| Early repayment allowed | yes |
| Repayment scheme | annuity |
| Borrower age | 18–60 years |
| Decision time | up to 10 days |
Rates by term, amount and client category
| Term | Amount | Clients | Rate | Repayment |
|---|---|---|---|---|
| 60 mo. | — | salary clients | 24%/yearterm 60 months; for payroll project participants | 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 ↗
For women Istiqbolli ayol
| Purpose | not specified (funds are mainly directed to projects in mahallas assigned to the bank) |
|---|---|
| Available to | self-employed women without official income, citizens of the Republic of Uzbekistan aged 18-65 |
| Rate (main case) | 26%/year26% per annum for a term of up to 60 months |
| Lowest rate | 26%/year26% per annum |
| Highest rate | 26%/year26% per annum |
| Minimum amount | 5 000 000 UZSfrom 5 mln UZS |
| Maximum amount | 50 000 000 UZSup to 50 mln UZS |
| Loan term | 1–60 mo. |
| Early repayment | freeno fee for early repaymentgeneral wording of the page: “Repay the loan on schedule or early ... without commission”; the tariff PDF was not read (password-protected) |
| Grace period | 6 mo. |
| Proof of income | no |
| Early repayment allowed | yes |
| Borrower age | 18–65 years |
| Decision time | up to 10 days |
Rates by term, amount and client category
| Term | Amount | Clients | Rate |
|---|---|---|---|
| 60 mo. | — | special category | 26%/yearterm up to 60 months; for self-employed women |
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 ↗
Express microloan
| Purpose | not specified |
|---|---|
| Available to | bank clients aged 18-60: self-employed without a permanent official income, as well as dehkan farm operators and sole proprietors with official income |
| Rate (main case) | 26%/year26% per annum for a term of up to 12 monthsup to 24 mo. — 27%, up to 36 — 28%, up to 48 — 29%, up to 60 — 30% |
| Lowest rate | 26%/yearfrom 26% per annumterm up to 12 mo. |
| Highest rate | 30%/yearup to 30% per annumterm up to 60 mo. |
| Minimum amount | 50 000 000 UZSfrom 50 mln UZSper the page terms: «from 50 mln to 100 mln UZS» |
| Maximum amount | 100 000 000 UZSup to 100 mln UZS |
| Loan term | 1–60 mo. |
| Early repayment | freeno fee for early repaymentgeneral wording of the page: “Repay the loan on schedule or early ... without commission”; the tariff PDF was not read (password-protected) |
| Collateral | yes |
| Accepted as collateral | real estate |
| Early repayment allowed | yes |
| Repayment scheme | other |
| Borrower age | 18–60 years |
| Decision time | up to 10 days |
Rates by term, amount and client category
| Term | Amount | Rate | Repayment |
|---|---|---|---|
| 12 mo. | 50 000 000 – 100 000 000 UZS | 26%/yearterm up to 12 mo. | other |
| 13–24 mo. | 50 000 000 – 100 000 000 UZS | 27%/yearterm up to 24 mo. | other |
| 25–36 mo. | 50 000 000 – 100 000 000 UZS | 28%/yearterm up to 36 mo. | other |
| 37–48 mo. | 50 000 000 – 100 000 000 UZS | 29%/yearterm up to 48 mo. | other |
| 49–60 mo. | 50 000 000 – 100 000 000 UZS | 30%/yearterm up to 60 mo. | 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 ↗
Frequently asked questions
What is the microloan rate at Microcreditbank?
The lowest rate in sums on this page is 24% a year, 4 loans in total. The exact rate depends on the term, amount and bank conditions. A 0% rate is not counted here.