National Bank of Uzbekistan (NBU) loans: rates and terms
Rates as of 23.10.2026More details
National Bank of Uzbekistan (NBU): 21 loans, types: auto loan, mortgage, microloan, education loan, 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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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.
Auto loans
NBU auto loan for UzAuto Motors cars online
| Purpose | purchase of new Onix, Tracker, Damas, Captiva and Labo cars from official dealers |
|---|---|
| Available to | for citizens of the Republic of Uzbekistan (up to 65 years) with official income and self-employed |
| Rate (main case) | 0%/year0% per annum for 36 mo. with a 25% down payment (ONIX, Tracker)the 0% condition - only the combination of a 25% down payment and a 36 mo. term for ONIX/Tracker (the first model in the list was taken as the main case); for other terms, rates are per the model tables |
| Lowest rate | 0%/yearfrom 0% per annum |
| Highest rate | 14%/yearup to 14% per annum |
| Maximum amount | 300 000 000 UZSup to 300 mln UZS (Labo up to 150 mln) |
| Loan term | up to 60 mo. |
| Down payment | 25%from 25%; self-employed from 30% |
| Issuance fee | freeno bank fees or chargesinformation sheet: «Bank commissions and fees — none» |
| Late payment penalty | 28%/year28% per annum on overdue debtinformation sheet: «Penalty: none»; increased rate 28% per annum |
| Insurance | a policy insuring the risk of loan non-repayment is mandatory; cost not specifiedthe policy is issued before the car is accepted as collateral for the entire loan term; car insurance — according to the information sheet |
| Collateral | yes |
| Accepted as collateral | car |
| Insurance required | yes |
| Borrower age | 18–65 years |
| Decision time | up to 3 banking business days |
Rates by term, amount and client category
| Term | Amount | Down payment from | Rate |
|---|---|---|---|
| 10 mo. | up to 150 000 000 UZS | 25% | 0%/yearLabo; amount up to 150 mln; down payment from 30% for self-employed |
| 13 mo. | up to 150 000 000 UZS | 30% | 0%/yearLabo; amount up to 150 mln; down payment from 30% for self-employed |
| 16 mo. | up to 300 000 000 UZS | 25% | 0%/yearDamas, Captiva; amount up to 300 mln; down payment from 30% for self-employed |
| 16 mo. | up to 150 000 000 UZS | 40% | 0%/yearLabo; amount up to 150 mln; down payment from 30% for self-employed |
| 18 mo. | up to 300 000 000 UZS | 30% | 0%/yearDamas, Captiva; amount up to 300 mln; down payment from 30% for self-employed |
| 20 mo. | up to 150 000 000 UZS | 50% | 0%/yearLabo; amount up to 150 mln; down payment from 30% for self-employed |
| 24 mo. | up to 300 000 000 UZS | 40% | 0%/yearDamas, Captiva; amount up to 300 mln; down payment from 30% for self-employed |
| 30 mo. | up to 300 000 000 UZS | 50% | 0%/yearDamas, Captiva; amount up to 300 mln; down payment from 30% for self-employed |
| 36 mo. | up to 300 000 000 UZS | 25% | 0%/yearONIX, Tracker; amount up to 300 mln; for persons with an official income and the self-employed (down payment from 30% for the self-employed) |
| 42 mo. | up to 300 000 000 UZS | 30% | 0%/yearONIX, Tracker; amount up to 300 mln; for persons with an official income and the self-employed (down payment from 30% for the self-employed) |
| 48 mo. | up to 300 000 000 UZS | 40% | 0%/yearONIX, Tracker; amount up to 300 mln; for persons with an official income and the self-employed (down payment from 30% for the self-employed) |
| 60 mo. | up to 300 000 000 UZS | 25% | 12%/yearDamas, Captiva; term 60 mo.; amount up to 300 mln; for self-employed down payment from 30% |
| 60 mo. | up to 150 000 000 UZS | 25% | 14%/yearLabo; term 60 mo.; amount up to 150 mln; down payment from 30% for self-employed |
| 60 mo. | up to 300 000 000 UZS | 30% | 11%/yearDamas, Captiva; term 60 mo.; amount up to 300 mln; for self-employed down payment from 30% |
| 60 mo. | up to 150 000 000 UZS | 30% | 13%/yearLabo; term 60 mo.; amount up to 150 mln; down payment from 30% for self-employed |
| 60 mo. | up to 300 000 000 UZS | 40% | 9.5%/yearDamas, Captiva; term 60 mo.; amount up to 300 mln; for self-employed down payment from 30% |
| 60 mo. | up to 150 000 000 UZS | 40% | 12%/yearLabo; term 60 mo.; amount up to 150 mln; down payment from 30% for self-employed |
| 60 mo. | up to 300 000 000 UZS | 50% | 0%/yearONIX, Tracker; amount up to 300 mln; for persons with an official income and the self-employed (down payment from 30% for the self-employed) |
| 60 mo. | up to 300 000 000 UZS | 50% | 7.5%/yearDamas, Captiva; term 60 mo.; amount up to 300 mln; for self-employed down payment from 30% |
| 60 mo. | up to 150 000 000 UZS | 50% | 10%/yearLabo; term 60 mo.; amount up to 150 mln; down payment from 30% for self-employed |
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 KIA online
| Purpose | purchase of new KIA cars from official dealers of LLC "Roodell" |
|---|---|
| Available to | for citizens of the Republic of Uzbekistan (up to 65 years): with official income, payroll project participants, public sector employees, self-employed |
| Rate (main case) | 11.5%/year11,5% per annum for 36 mo. with a 25% down payment (ROODELL 7)the rate level depends on the ROODELL N mark in the purchase and sale agreement; the first in the list, ROODELL 7, is taken as the base case |
| Lowest rate | 0%/yearfrom 0% per annum |
| Highest rate | 14.5%/yearup to 14,5% per annum |
| Maximum amount | 1 000 000 000 UZSup to 1 bn UZS |
| Loan term | 12–60 mo. |
| Down payment | 25%from 25% |
| Issuance fee | freeno bank fees or chargesinformation sheet: «Bank commissions and fees — none» |
| Late payment penalty | 28%/year28% per annum on overdue debtinformation sheet: «Penalty: none»; increased rate 28% per annum |
| Insurance | a policy insuring the risk of loan non-repayment is mandatory; cost not specifiedalso collateral in the form of the right to receive funds from accounts |
| Collateral | yes |
| Accepted as collateral | car |
| Insurance required | yes |
| Borrower age | 18–65 years |
| Decision time | up to 3 banking business days |
Rates by term, amount and client category
| Term | Amount | Down payment from | Rate |
|---|---|---|---|
| 12 mo. | — | 25% | 0%/yearROODELL 7 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 12 mo. | — | 25% | 0%/yearROODELL 9 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 12 mo. | — | 25% | 0%/yearROODELL 11 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 12 mo. | — | 25% | 0%/yearROODELL 12 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 12 mo. | — | 25% | 0%/yearROODELL 13 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 12 mo. | — | 25% | 0%/yearROODELL 14 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 12 mo. | — | 25% | 0%/yearROODELL 15 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 12 mo. | — | 25% | 0%/yearROODELL 16 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 12 mo. | — | 25% | 0%/yearROODELL 20 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 12 mo. | — | 40% | 0%/yearROODELL 7 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 12 mo. | — | 40% | 0%/yearROODELL 9 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 12 mo. | — | 40% | 0%/yearROODELL 11 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 12 mo. | — | 40% | 0%/yearROODELL 12 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 12 mo. | — | 40% | 0%/yearROODELL 13 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 12 mo. | — | 40% | 0%/yearROODELL 14 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 12 mo. | — | 40% | 0%/yearROODELL 15 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 12 mo. | — | 40% | 0%/yearROODELL 16 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 12 mo. | — | 40% | 0%/yearROODELL 20 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 12 mo. | — | 50% | 0%/yearROODELL 7 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 12 mo. | — | 50% | 0%/yearROODELL 9 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 12 mo. | — | 50% | 0%/yearROODELL 11 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 12 mo. | — | 50% | 0%/yearROODELL 12 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 12 mo. | — | 50% | 0%/yearROODELL 13 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 12 mo. | — | 50% | 0%/yearROODELL 14 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 12 mo. | — | 50% | 0%/yearROODELL 15 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 12 mo. | — | 50% | 0%/yearROODELL 16 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 12 mo. | — | 50% | 0%/yearROODELL 20 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 18 mo. | — | 25% | 6.5%/yearROODELL 7 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 18 mo. | — | 25% | 3%/yearROODELL 9 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 18 mo. | — | 25% | 0%/yearROODELL 11 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 18 mo. | — | 25% | 0%/yearROODELL 12 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 18 mo. | — | 25% | 0%/yearROODELL 13 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 18 mo. | — | 25% | 0%/yearROODELL 14 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 18 mo. | — | 25% | 0%/yearROODELL 15 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 18 mo. | — | 25% | 0%/yearROODELL 16 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 18 mo. | — | 25% | 0%/yearROODELL 20 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 18 mo. | — | 40% | 3%/yearROODELL 7 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 18 mo. | — | 40% | 0%/yearROODELL 9 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 18 mo. | — | 40% | 0%/yearROODELL 11 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 18 mo. | — | 40% | 0%/yearROODELL 12 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 18 mo. | — | 40% | 0%/yearROODELL 13 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 18 mo. | — | 40% | 0%/yearROODELL 14 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 18 mo. | — | 40% | 0%/yearROODELL 15 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 18 mo. | — | 40% | 0%/yearROODELL 16 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 18 mo. | — | 40% | 0%/yearROODELL 20 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 18 mo. | — | 50% | 0%/yearROODELL 7 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 18 mo. | — | 50% | 0%/yearROODELL 9 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 18 mo. | — | 50% | 0%/yearROODELL 11 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 18 mo. | — | 50% | 0%/yearROODELL 12 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 18 mo. | — | 50% | 0%/yearROODELL 13 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 18 mo. | — | 50% | 0%/yearROODELL 14 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 18 mo. | — | 50% | 0%/yearROODELL 15 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 18 mo. | — | 50% | 0%/yearROODELL 16 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 18 mo. | — | 50% | 0%/yearROODELL 20 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 24 mo. | — | 25% | 10%/yearROODELL 7 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 24 mo. | — | 25% | 6%/yearROODELL 9 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 24 mo. | — | 25% | 3%/yearROODELL 11 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 24 mo. | — | 25% | 2%/yearROODELL 12 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 24 mo. | — | 25% | 0%/yearROODELL 13 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 24 mo. | — | 25% | 0%/yearROODELL 14 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 24 mo. | — | 25% | 0%/yearROODELL 15 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 24 mo. | — | 25% | 0%/yearROODELL 16 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 24 mo. | — | 25% | 0%/yearROODELL 20 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 24 mo. | — | 40% | 7%/yearROODELL 7 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 24 mo. | — | 40% | 2%/yearROODELL 9 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 24 mo. | — | 40% | 0%/yearROODELL 11 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 24 mo. | — | 40% | 0%/yearROODELL 12 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 24 mo. | — | 40% | 0%/yearROODELL 13 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 24 mo. | — | 40% | 0%/yearROODELL 14 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 24 mo. | — | 40% | 0%/yearROODELL 15 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 24 mo. | — | 40% | 0%/yearROODELL 16 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 24 mo. | — | 40% | 0%/yearROODELL 20 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 24 mo. | — | 50% | 4%/yearROODELL 7 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 24 mo. | — | 50% | 0%/yearROODELL 9 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 24 mo. | — | 50% | 0%/yearROODELL 11 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 24 mo. | — | 50% | 0%/yearROODELL 12 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 24 mo. | — | 50% | 0%/yearROODELL 13 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 24 mo. | — | 50% | 0%/yearROODELL 14 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 24 mo. | — | 50% | 0%/yearROODELL 15 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 24 mo. | — | 50% | 0%/yearROODELL 16 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 24 mo. | — | 50% | 0%/yearROODELL 20 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 36 mo. | — | 25% | 11.5%/yearROODELL 7 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 36 mo. | — | 25% | 9%/yearROODELL 9 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 36 mo. | — | 25% | 6%/yearROODELL 11 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 36 mo. | — | 25% | 5%/yearROODELL 12 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 36 mo. | — | 25% | 3%/yearROODELL 13 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 36 mo. | — | 25% | 2%/yearROODELL 14 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 36 mo. | — | 25% | 0%/yearROODELL 15 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 36 mo. | — | 25% | 0%/yearROODELL 16 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 36 mo. | — | 25% | 0%/yearROODELL 20 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 36 mo. | — | 40% | 9.5%/yearROODELL 7 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 36 mo. | — | 40% | 6%/yearROODELL 9 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 36 mo. | — | 40% | 2%/yearROODELL 11 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 36 mo. | — | 40% | 0%/yearROODELL 12 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 36 mo. | — | 40% | 0%/yearROODELL 13 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 36 mo. | — | 40% | 0%/yearROODELL 14 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 36 mo. | — | 40% | 0%/yearROODELL 15 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 36 mo. | — | 40% | 0%/yearROODELL 16 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 36 mo. | — | 40% | 0%/yearROODELL 20 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 36 mo. | — | 50% | 7%/yearROODELL 7 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 36 mo. | — | 50% | 3%/yearROODELL 9 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 36 mo. | — | 50% | 0%/yearROODELL 11 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 36 mo. | — | 50% | 0%/yearROODELL 12 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 36 mo. | — | 50% | 0%/yearROODELL 13 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 36 mo. | — | 50% | 0%/yearROODELL 14 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 36 mo. | — | 50% | 0%/yearROODELL 15 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 36 mo. | — | 50% | 0%/yearROODELL 16 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 36 mo. | — | 50% | 0%/yearROODELL 20 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 48 mo. | — | 25% | 13.5%/yearROODELL 7 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 48 mo. | — | 25% | 12%/yearROODELL 9 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 48 mo. | — | 25% | 9.5%/yearROODELL 11 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 48 mo. | — | 25% | 9%/yearROODELL 12 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 48 mo. | — | 25% | 8%/yearROODELL 13 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 48 mo. | — | 25% | 7%/yearROODELL 14 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 48 mo. | — | 25% | 6%/yearROODELL 15 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 48 mo. | — | 25% | 4%/yearROODELL 16 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 48 mo. | — | 25% | 0%/yearROODELL 20 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 48 mo. | — | 40% | 12%/yearROODELL 7 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 48 mo. | — | 40% | 10%/yearROODELL 9 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 48 mo. | — | 40% | 6.5%/yearROODELL 11 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 48 mo. | — | 40% | 5%/yearROODELL 12 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 48 mo. | — | 40% | 4%/yearROODELL 13 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 48 mo. | — | 40% | 2%/yearROODELL 14 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 48 mo. | — | 40% | 1%/yearROODELL 15 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 48 mo. | — | 40% | 0%/yearROODELL 16 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 48 mo. | — | 40% | 0%/yearROODELL 20 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 48 mo. | — | 50% | 10%/yearROODELL 7 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 48 mo. | — | 50% | 7%/yearROODELL 9 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 48 mo. | — | 50% | 3.5%/yearROODELL 11 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 48 mo. | — | 50% | 2%/yearROODELL 12 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 48 mo. | — | 50% | 0%/yearROODELL 13 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 48 mo. | — | 50% | 0%/yearROODELL 14 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 48 mo. | — | 50% | 0%/yearROODELL 15 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 48 mo. | — | 50% | 0%/yearROODELL 16 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 48 mo. | — | 50% | 0%/yearROODELL 20 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 60 mo. | — | 25% | 14.5%/yearROODELL 7 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 60 mo. | — | 25% | 13%/yearROODELL 9 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 60 mo. | — | 25% | 11%/yearROODELL 11 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 60 mo. | — | 25% | 10%/yearROODELL 12 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 60 mo. | — | 25% | 9%/yearROODELL 13 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 60 mo. | — | 25% | 8%/yearROODELL 14 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 60 mo. | — | 25% | 7%/yearROODELL 15 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 60 mo. | — | 25% | 6%/yearROODELL 16 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 60 mo. | — | 25% | 2%/yearROODELL 20 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 60 mo. | — | 40% | 13%/yearROODELL 7 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 60 mo. | — | 40% | 11%/yearROODELL 9 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 60 mo. | — | 40% | 8%/yearROODELL 11 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 60 mo. | — | 40% | 7%/yearROODELL 12 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 60 mo. | — | 40% | 6%/yearROODELL 13 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 60 mo. | — | 40% | 5%/yearROODELL 14 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 60 mo. | — | 40% | 3%/yearROODELL 15 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 60 mo. | — | 40% | 1.5%/yearROODELL 16 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 60 mo. | — | 40% | 0%/yearROODELL 20 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 60 mo. | — | 50% | 11%/yearROODELL 7 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 60 mo. | — | 50% | 9%/yearROODELL 9 (conditions level per the mark in the sale and purchase agreement of LLC «Roodell») |
| 60 mo. | — | 50% | 5.5%/yearROODELL 11 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 60 mo. | — | 50% | 4%/yearROODELL 12 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 60 mo. | — | 50% | 2%/yearROODELL 13 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 60 mo. | — | 50% | 1%/yearROODELL 14 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 60 mo. | — | 50% | 0%/yearROODELL 15 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 60 mo. | — | 50% | 0%/yearROODELL 16 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
| 60 mo. | — | 50% | 0%/yearROODELL 20 (terms level per the mark in the purchase and sale agreement of LLC «Roodell») |
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 Alyans Auto cars online
| Purpose | purchase of new Volkswagen and Jetta cars from official Alyans Auto dealers |
|---|---|
| Available to | for citizens of the Republic of Uzbekistan (up to 65 years) with official income and self-employed |
| Rate (main case) | 12.9%/year12,9% per annum for 36 mo. with a 25% contributiondown payment 25%, term 36 mo. |
| Lowest rate | 0%/yearfrom 0% per annum |
| Highest rate | 15.2%/yearup to 15,2% per annum |
| Maximum amount | 1 000 000 000 UZSup to 1 bn UZS |
| Loan term | 12–60 mo. |
| Down payment | 25%from 25% |
| Issuance fee | freeno bank fees or chargesinformation sheet: «Bank commissions and fees — none» |
| Late payment penalty | increased rate: 1,2 times the rate on the principal debtinformation sheet: «Penalty: none»; 1,2 times the rate on the current part of the principal is charged on the overdue principal amount |
| Insurance | a policy insuring the risk of loan non-repayment is mandatory; cost not specifiedthe policy is issued before the car is accepted as collateral for the entire loan term; car insurance — according to the information sheet |
| Collateral | yes |
| Accepted as collateral | car |
| Insurance required | yes |
| Borrower age | 18–65 years |
| Decision time | up to 3 banking business days |
Rates by term, amount and client category
| Term | Amount | Down payment from | Rate |
|---|---|---|---|
| 12 mo. | — | 25% | 2%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 12 mo. | — | 30% | 0.7%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 12 mo. | — | 40% | 0%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 12 mo. | — | 50% | 0%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 12 mo. | — | 60% | 0%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 18 mo. | — | 25% | 7.5%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 18 mo. | — | 30% | 6.5%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 18 mo. | — | 40% | 4%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 18 mo. | — | 50% | 0%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 18 mo. | — | 60% | 0%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 24 mo. | — | 25% | 10.1%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 24 mo. | — | 30% | 9.3%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 24 mo. | — | 40% | 7.3%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 24 mo. | — | 50% | 4.6%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 24 mo. | — | 60% | 0%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 36 mo. | — | 25% | 12.9%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 36 mo. | — | 30% | 12.3%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 36 mo. | — | 40% | 10.9%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 36 mo. | — | 50% | 8.8%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 36 mo. | — | 60% | 5.8%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 48 mo. | — | 25% | 14.5%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 48 mo. | — | 30% | 14%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 48 mo. | — | 40% | 12.7%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 48 mo. | — | 50% | 11%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 48 mo. | — | 60% | 8.5%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 60 mo. | — | 25% | 15.2%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 60 mo. | — | 30% | 14.8%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 60 mo. | — | 40% | 13.7%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 60 mo. | — | 50% | 12.3%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
| 60 mo. | — | 60% | 10.1%/yearVolkswagen and Jetta at Alyans Auto dealers; for persons with official income and the self-employed |
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 ↗
Changan auto loan online
| Purpose | purchase of new Changan cars (CS55 Plus, UNI-K, UNI-T) at official dealer centers |
|---|---|
| Available to | for citizens of Uzbekistan aged 18-65; reduced rates — for participants of the payroll project and employees of budget organizations |
| Rate (main case) | 16%/year16% per annum for 36 mo. with a 40% down payment (standard terms)down payment 40% - the minimum for the product, term 36 mo. |
| Lowest rate | 0%/yearfrom 0% per annum |
| Highest rate | 19%/yearup to 19% per annum |
| Maximum amount | 500 000 000 UZSup to 500 mln UZS |
| Loan term | 12–60 mo. |
| Down payment | 40%from 40% |
| Issuance fee | freeno bank fees or chargesinformation sheet: «Bank commissions and fees — none» |
| Late payment penalty | 28%/year28% per annum on overdue debtinformation sheet: «Penalty: none»; increased rate 28% per annum |
| Insurance | a policy insuring the risk of loan non-repayment is mandatory; cost not specifiedthe policy is issued before the car is accepted as collateral for the entire loan term; car insurance — according to the information sheet |
| Collateral | yes |
| Accepted as collateral | car |
| Insurance required | yes |
| Borrower age | 18–65 years |
| Decision time | up to 3 banking business days |
Rates by term, amount and client category
| Term | Amount | Down payment from | Clients | Rate |
|---|---|---|---|---|
| 12 mo. | — | 40% | all clients | 1.5%/yearstandard terms; CS55 Plus, UNI-K, UNI-T models at official dealer centers |
| 12 mo. | — | 40% | salary clients | 0%/yearfor payroll project participants and employees of budget organizations; models CS55 Plus, UNI-K, UNI-T |
| 12 mo. | — | 50% | all clients | 0%/yearstandard terms; CS55 Plus, UNI-K, UNI-T models at official dealer centers |
| 12 mo. | — | 50% | salary clients | 0%/yearfor payroll project participants and employees of budget organizations; models CS55 Plus, UNI-K, UNI-T |
| 18 mo. | — | 40% | all clients | 8.5%/yearstandard terms; CS55 Plus, UNI-K, UNI-T models at official dealer centers |
| 18 mo. | — | 40% | salary clients | 6.5%/yearfor payroll project participants and employees of budget organizations; models CS55 Plus, UNI-K, UNI-T |
| 18 mo. | — | 50% | all clients | 5%/yearstandard terms; CS55 Plus, UNI-K, UNI-T models at official dealer centers |
| 18 mo. | — | 50% | salary clients | 4%/yearfor payroll project participants and employees of budget organizations; models CS55 Plus, UNI-K, UNI-T |
| 24 mo. | — | 40% | all clients | 12%/yearstandard terms; CS55 Plus, UNI-K, UNI-T models at official dealer centers |
| 24 mo. | — | 40% | salary clients | 10%/yearfor payroll project participants and employees of budget organizations; models CS55 Plus, UNI-K, UNI-T |
| 24 mo. | — | 50% | all clients | 9.5%/yearstandard terms; CS55 Plus, UNI-K, UNI-T models at official dealer centers |
| 24 mo. | — | 50% | salary clients | 8.5%/yearfor payroll project participants and employees of budget organizations; models CS55 Plus, UNI-K, UNI-T |
| 36 mo. | — | 40% | all clients | 16%/yearstandard terms; CS55 Plus, UNI-K, UNI-T models at official dealer centers |
| 36 mo. | — | 40% | salary clients | 14%/yearfor payroll project participants and employees of budget organizations; models CS55 Plus, UNI-K, UNI-T |
| 36 mo. | — | 50% | all clients | 14%/yearstandard terms; CS55 Plus, UNI-K, UNI-T models at official dealer centers |
| 36 mo. | — | 50% | salary clients | 13%/yearfor payroll project participants and employees of budget organizations; models CS55 Plus, UNI-K, UNI-T |
| 48 mo. | — | 40% | all clients | 18%/yearstandard terms; CS55 Plus, UNI-K, UNI-T models at official dealer centers |
| 48 mo. | — | 40% | salary clients | 16%/yearfor payroll project participants and employees of budget organizations; models CS55 Plus, UNI-K, UNI-T |
| 48 mo. | — | 50% | all clients | 16.5%/yearstandard terms; CS55 Plus, UNI-K, UNI-T models at official dealer centers |
| 48 mo. | — | 50% | salary clients | 15.5%/yearfor payroll project participants and employees of budget organizations; models CS55 Plus, UNI-K, UNI-T |
| 60 mo. | — | 40% | all clients | 19%/yearstandard terms; CS55 Plus, UNI-K, UNI-T models at official dealer centers |
| 60 mo. | — | 40% | salary clients | 17.5%/yearfor payroll project participants and employees of budget organizations; models CS55 Plus, UNI-K, UNI-T |
| 60 mo. | — | 50% | all clients | 18%/yearstandard terms; CS55 Plus, UNI-K, UNI-T models at official dealer centers |
| 60 mo. | — | 50% | salary clients | 17%/yearfor payroll project participants and employees of budget organizations; models CS55 Plus, UNI-K, UNI-T |
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 ↗
NBU auto loan for BYD cars online
| Purpose | purchase of new BYD cars from official dealers |
|---|---|
| Available to | participants in NBU payroll projects and employees of budget organizations (citizens of Uzbekistan aged 18-65) |
| Rate (main case) | 16%/year16% per annum with a 25% down paymentterm up to 60 mo., one rate |
| Lowest rate | 16%/year16% per annum |
| Highest rate | 16%/year16% per annum |
| Maximum amount | 500 000 000 UZSup to 500 mln UZS |
| Loan term | up to 60 mo. |
| Down payment | 25% |
| Issuance fee | freeno bank fees or chargesinformation sheet: «Bank commissions and fees — none» |
| Late payment penalty | 28%/year28% per annum on overdue debtinformation sheet: «Penalty: none»; increased rate 28% per annum |
| Insurance | a policy insuring the risk of loan non-repayment is mandatory; cost not specifiedthe policy is issued before the car is accepted as collateral for the entire loan term; car insurance — according to the information sheet |
| Grace period | 6 mo. |
| Collateral | yes |
| Accepted as collateral | car |
| Insurance required | yes |
| Borrower age | 18–65 years |
| Decision time | up to 3 banking business days |
Rates by term, amount and client category
| Term | Amount | Down payment from | Clients | Rate |
|---|---|---|---|---|
| 60 mo. | — | 25% | salary clients | 16%/yearfor participants in the bank's payroll projects and employees of budget organizations; 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 ↗
Haval auto loan online
| Purpose | purchase of new Haval cars |
|---|---|
| Available to | citizens of Uzbekistan aged 18-65: payroll project participants, public-sector employees, persons with official income, self-employed |
| Rate (main case) | 20%/year20% per annum for 36 mo. with a 30% down paymentdown payment 30% - minimum; term 36 mo. |
| Lowest rate | 0%/yearfrom 0% per annum |
| Highest rate | 22.5%/yearup to 22,5% per annum |
| Maximum amount | 500 000 000 UZSup to 500 mln UZS |
| Loan term | 12–60 mo. |
| Down payment | 30%from 30% |
| Issuance fee | freeno bank fees or chargesinformation sheet: «Bank commissions and fees — none» |
| Late payment penalty | 28%/year28% per annum on overdue debtinformation sheet: «Penalty: none»; increased rate 28% per annum |
| Insurance | a policy insuring the risk of loan non-repayment is mandatory; cost not specifiedthe policy is issued before the car is accepted as collateral for the entire loan term; car insurance — according to the information sheet |
| Collateral | yes |
| Accepted as collateral | car |
| Insurance required | yes |
| Borrower age | 18–65 years |
| Decision time | up to 3 banking business days |
Rates by term, amount and client category
| Term | Amount | Down payment from | Rate |
|---|---|---|---|
| 12 mo. | — | 50% | 0%/yearfor payroll project participants, employees of budget organizations, persons with official income and the self-employed; Haval brand |
| 24 mo. | — | 30% | 16.5%/yearfor payroll project participants, employees of budget organizations, persons with official income and the self-employed; Haval brand |
| 24 mo. | — | 40% | 12%/yearfor payroll project participants, employees of budget organizations, persons with official income and the self-employed; Haval brand |
| 36 mo. | — | 30% | 20%/yearfor payroll project participants, employees of budget organizations, persons with official income and the self-employed; Haval brand |
| 36 mo. | — | 40% | 16%/yearfor payroll project participants, employees of budget organizations, persons with official income and the self-employed; Haval brand |
| 60 mo. | — | 30% | 22.5%/yearfor payroll project participants, employees of budget organizations, persons with official income and the self-employed; Haval brand |
| 60 mo. | — | 40% | 19%/yearfor payroll project participants, employees of budget organizations, persons with official income and the self-employed; Haval brand |
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 cars online
| Purpose | purchase of a new car (except electric and hybrid vehicles) |
|---|---|
| Available to | for citizens of the Republic of Uzbekistan (up to 65 years) with official income, payroll project participants, public sector employees, self-employed |
| Rate (main case) | 21%/year21% per annum with a 20% down paymentterm 12-60 mo. at one rate; the rate is the same for a 36 mo. term |
| Lowest rate | 20%/yearfrom 20% per annum |
| Highest rate | 22%/yearup to 22% per annum |
| Maximum amount | 1 000 000 000 UZSup to 1 bn UZS |
| Loan term | 12–60 mo. |
| Down payment | 20%from 20%; self-employed from 30% |
| Issuance fee | freeno bank fees or chargesinformation sheet: «Bank commissions and fees — none» |
| Late payment penalty | increased rate: 1,2 times the rate on the principal debtinformation sheet: «Penalty: none»; 1,2 times the rate on the current part of the principal is charged on the overdue principal amount |
| Insurance | a policy insuring the risk of loan non-repayment is mandatory; cost not specifiedthe policy is issued before the car is accepted as collateral for the entire loan term; car insurance — according to the information sheet |
| Grace period | 6 mo. |
| Collateral | yes |
| Accepted as collateral | car |
| Insurance required | yes |
| Borrower age | 18–65 years |
| Decision time | up to 3 banking business days |
Rates by term, amount and client category
| Term | Amount | Down payment from | Clients | Rate |
|---|---|---|---|---|
| 12–60 mo. | — | 20% | all clients | 21%/yearfor those with official income, payroll project participants, employees of budget organizations; a single rate for a term of 12-60 mo. |
| 12–60 mo. | — | 30% | all clients | 20%/yearfor those with official income, payroll project participants, employees of budget organizations; down payment 30% |
| 12–60 mo. | — | 30% | special category | 22%/yearfor self-employed; down payment 30% |
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 a used car online
| Purpose | purchase of a used car (age no more than 5 years from the date of manufacture; except electric vehicles and hybrids) |
|---|---|
| Available to | for citizens of the Republic of Uzbekistan (up to 65 years) with official income, payroll project participants, public sector employees, self-employed |
| Rate (main case) | 22%/year22% per annum with a 20% down paymentterm 12-48 mo. at one rate |
| Lowest rate | 21%/yearfrom 21% per annum |
| Highest rate | 23%/yearup to 23% per annum |
| Maximum amount | 500 000 000 UZSup to 500 mln UZS |
| Loan term | 12–48 mo. |
| Down payment | 20%from 20%; self-employed from 30% |
| Issuance fee | freeno bank fees or chargesinformation sheet: «Bank commissions and fees — none» |
| Late payment penalty | increased rate: 1,2 times the rate on the principal debtinformation sheet: «Penalty: none»; 1,2 times the rate on the current part of the principal is charged on the overdue principal amount |
| Insurance | a policy insuring the risk of loan non-repayment is mandatory; cost not specifiedthe policy is issued before the car is accepted as collateral for the entire loan term; car insurance — according to the information sheet |
| Grace period | 3 mo. |
| Collateral | yes |
| Accepted as collateral | car |
| Insurance required | yes |
| Borrower age | 18–65 years |
| Decision time | up to 3 banking business days |
Rates by term, amount and client category
| Term | Amount | Down payment from | Clients | Rate |
|---|---|---|---|---|
| 12–48 mo. | — | 20% | all clients | 22%/yearfor those with an official income, employees of budget organizations, payroll project participants; down payment 20%; term 12-48 mo. |
| 12–48 mo. | — | 30% | all clients | 21%/yearfor those with official income, employees of budget organizations, payroll project participants; down payment 30% |
| 12–48 mo. | — | 30% | special category | 23%/yearfor self-employed; down payment 30% |
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 electric vehicles and hybrids online
| Purpose | purchase of new electric and hybrid vehicles |
|---|---|
| Available to | for citizens of the Republic of Uzbekistan (up to 65 years) with official income, payroll project participants, public sector employees, self-employed |
| Rate (main case) | 22%/year22% per annum with a 30% down paymentterm 12-48 mo. at one rate; minimum down payment 30% |
| Lowest rate | 21%/yearfrom 21% per annum |
| Highest rate | 22%/yearup to 22% per annum |
| Maximum amount | 500 000 000 UZSup to 500 mln UZS |
| Loan term | 12–48 mo. |
| Down payment | 30%from 30% |
| Issuance fee | freeno bank fees or chargesinformation sheet: «Bank commissions and fees — none» |
| Late payment penalty | increased rate: 1,2 times the rate on the principal debtinformation sheet: «Penalty: none»; 1,2 times the rate on the current part of the principal is charged on the overdue principal amount |
| Insurance | a policy insuring the risk of loan non-repayment is mandatory; cost not specifiedthe policy is issued before the car is accepted as collateral for the entire loan term; car insurance — according to the information sheet |
| Grace period | 6 mo. |
| Collateral | yes |
| Accepted as collateral | car |
| Insurance required | yes |
| Borrower age | 18–65 years |
| Decision time | up to 3 banking business days |
Rates by term, amount and client category
| Term | Amount | Down payment from | Clients | Rate |
|---|---|---|---|---|
| 12–48 mo. | — | 30% | all clients | 22%/yearfor those with an official income, payroll project participants, employees of budget organizations; down payment 30%; term 12-48 mo. |
| 12–48 mo. | — | 30% | special category | 22%/yearfor self-employed; down payment 30% |
| 12–48 mo. | — | 40% | all clients | 21%/yearfor those with official income, payroll project participants, employees of budget organizations; down payment 40% |
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
Combined mortgage online
| Purpose | purchase of housing on the primary market above the preferential mortgage limit |
|---|---|
| Available to | to citizens of Uzbekistan (up to 60 years); with and without official income |
| Rate (main case) | 16.5%/year16,5% per annum on the part of the loan up to the limit, 21% above the limitterm only 20 years; the 16,5% rate applies to the part of the loan up to 420 mln in Tashkent (330 mln in the regions), above that - 21%; the final weighted average rate depends on the amount |
| Lowest rate | 16.5%/yearfrom 16,5% per annum |
| Highest rate | 22%/yearup to 22% per annum |
| Maximum amount | no limit on the amount; no more than 80% of the property value (75% without official income) |
| Loan term | up to 240 mo. |
| Down payment | 20%at least 20% (25% without official income) |
| Issuance fee | freeno bank fees or chargesinformation sheet: «Bank commissions and fees — none» |
| Late payment penalty | increased rate: 1,2 times the rate on the principal debtinformation sheet: «Penalty: none»; 1,2 times the rate on the current part of the principal is charged on the overdue principal amount |
| Grace period | 12 mo. |
| Collateral | yes |
| Accepted as collateral | real estate |
| Borrower age | 18–60 years |
| Decision time | up to 3 banking business days |
Rates by term, amount and client category
| Term | Amount | Down payment from | Clients | Rate |
|---|---|---|---|---|
| 240 mo. | up to 420 000 000 UZS | 20% | all clients | 16.5%/yearpart of the loan up to the limit (Tashkent up to 420 mln, regions up to 330 mln UZS), with an official income |
| 240 mo. | up to 420 000 000 UZS | 25% | special category | 17%/yearpart of the loan up to the limit (Tashkent 420 mln, regions 330 mln), without official income |
| 240 mo. | from 420 000 000 UZS | 20% | all clients | 21%/yearpart of the loan above the limit (Tashkent above 420 mln, regions above 330 mln), with an official income |
| 240 mo. | from 420 000 000 UZS | 25% | special category | 22%/yearthe part of the loan above the limit, without official income |
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 ↗
Preferential mortgage online
| Purpose | purchase of an apartment on the primary market |
|---|---|
| Available to | to citizens of Uzbekistan (up to 60 years); with and without official income |
| Rate (main case) | 17%/year17% per annum with a 15% down payment (with official income)term is 20 years only (240 mo.), there is no 120 mo. base term for mortgage; rate 16,5% with a 20% down payment |
| Lowest rate | 16.5%/yearfrom 16,5% per annum |
| Highest rate | 17%/yearup to 17% per annum |
| Maximum amount | 480 000 000 UZSup to 480 mln UZS in Tashkent, up to 380 mln in the regionssubsidy of 30 mln UZS for part of the down payment and compensation of part of the interest for the first 5 years (per the page) |
| Loan term | up to 240 mo. |
| Down payment | 15%from 15% (with official income), 25% without official income |
| Issuance fee | freeno bank fees or chargesinformation sheet: «Bank commissions and fees — none» |
| Late payment penalty | increased rate: 1,2 times the rate on the principal debtinformation sheet: «Penalty: none»; 1,2 times the rate on the current part of the principal is charged on the overdue principal amount |
| Grace period | 6 mo. |
| Collateral | yes |
| Accepted as collateral | real estate |
| Borrower age | 18–60 years |
| Decision time | up to 3 banking business days |
Rates by term, amount and client category
| Term | Amount | Down payment from | Clients | Rate |
|---|---|---|---|---|
| 240 mo. | up to 480 000 000 UZS | 15% | all clients | 17%/yearfor persons with official income, down payment 15%; maximum amount: Tashkent up to 480 mln, regions up to 380 mln UZS |
| 240 mo. | up to 480 000 000 UZS | 20% | all clients | 16.5%/yearfor persons with official income, down payment 20%; Tashkent up to 480 mln, regions up to 380 mln UZS |
| 240 mo. | up to 480 000 000 UZS | 25% | special category | 17%/yearfor persons without official income, down payment 25% |
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 ↗
Standard mortgage online
| Purpose | purchase of a home on the primary market with bank funds |
|---|---|
| Available to | to citizens of Uzbekistan (up to 65 years); with and without official income |
| Rate (main case) | 21%/year21% per annum with a 20% down payment (with official income)term only 20 years (240 mo.); base term of 120 mo. is not provided |
| Lowest rate | 21%/yearfrom 21% per annum |
| Highest rate | 22%/yearup to 22% per annum |
| Maximum amount | no limit on the amount; no more than 80% of the property value (75% for persons without official income) |
| Loan term | up to 240 mo. |
| Down payment | 20%from 20% (with official income), 25% without official income |
| Issuance fee | freeno bank fees or chargesinformation sheet: «Bank commissions and fees — none» |
| Late payment penalty | increased rate: 1,2 times the rate on the principal debtinformation sheet: «Penalty: none»; 1,2 times the rate on the current part of the principal is charged on the overdue principal amount |
| Grace period | 12 mo. |
| Collateral | yes |
| Accepted as collateral | real estate |
| Borrower age | 18–65 years |
| Decision time | up to 3 banking business days |
Rates by term, amount and client category
| Term | Amount | Down payment from | Clients | Rate |
|---|---|---|---|---|
| 240 mo. | — | 20% | all clients | 21%/yearfor persons with an official income, down payment at least 20%, amount not more than 80% of the cost |
| 240 mo. | — | 25% | special category | 22%/yearfor persons without an official income, down payment at least 25%, amount not more than 75% of the cost |
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 ↗
Standard mortgage on the secondary market online
| Purpose | purchase of housing on the secondary market; per the information sheet, also renovation, reconstruction and construction |
|---|---|
| Available to | to citizens of Uzbekistan (up to 65 years); with and without official income |
| Rate (main case) | 21%/year21% per annum with a 20% down payment (with official income)term only 20 years (240 mo.) |
| Lowest rate | 21%/yearfrom 21% per annum |
| Highest rate | 22%/yearup to 22% per annum |
| Maximum amount | no limit on the amount; no more than 80% of the property value (75% for persons without official income) |
| Loan term | up to 240 mo. |
| Down payment | 20%from 20% (with official income), 25% without official incomeno down payment is required for construction, reconstruction and repair (product passport) |
| Issuance fee | freeno bank fees or chargesinformation sheet: «Bank commissions and fees — none» |
| Late payment penalty | increased rate: 1,2 times the rate on the principal debtinformation sheet: «Penalty: none»; 1,2 times the rate on the current part of the principal is charged on the overdue principal amount |
| Insurance | insurance of the collateral property is mandatory; cost not specifiedinformation sheet: notary costs, insurance of the collateral object and the valuation report |
| Grace period | 12 mo. |
| Collateral | yes |
| Accepted as collateral | real estate |
| Insurance required | yes |
| Borrower age | 18–65 years |
| Decision time | up to 3 banking business days |
Rates by term, amount and client category
| Term | Amount | Down payment from | Clients | Rate |
|---|---|---|---|---|
| 240 mo. | up to 1 000 000 000 UZS | — | all clients | 21%/yearconstruction, reconstruction, renovation (per the product passport, Uzbek version): no down payment required; for persons with official income; Tashkent up to 1 bn, regions up to 700 mln UZS |
| 240 mo. | up to 1 000 000 000 UZS | — | special category | 22%/yearconstruction, reconstruction, renovation (per the product passport, Uzbek version): no down payment; for persons without official income; Tashkent up to 1 bn, regions up to 700 mln UZS |
| 240 mo. | — | 20% | all clients | 21%/yearpurchase; for persons with official income, down payment of at least 20% |
| 240 mo. | — | 25% | special category | 22%/yearpurchase; for persons without official income, down payment of at least 25% |
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 ↗
Comfort mortgage online
| Purpose | purchase of housing on the secondary market |
|---|---|
| Available to | to citizens of Uzbekistan (up to 60 years); preferential rate - for payroll project participants |
| Rate (main case) | 22%/year22% per annum with a 25% down paymentterm of 20 years only (240 mo.), no grace period |
| Lowest rate | 21.5%/yearfrom 21,5% per annum |
| Highest rate | 22%/yearup to 22% per annum |
| Maximum amount | 800 000 000 UZSup to 800 mln UZS in Tashkent, up to 500 mln in the regions |
| Loan term | up to 240 mo. |
| Down payment | 25%at least 25% of the project cost |
| Issuance fee | freeno bank fees or chargesinformation sheet: «Bank commissions and fees — none» |
| Late payment penalty | increased rate: 1,2 times the rate on the principal debtinformation sheet: «Penalty: none»; 1,2 times the rate on the current part of the principal is charged on the overdue principal amount |
| Insurance | insurance of at least 100% of the replacement cost of the propertyexpenses: notary, insurance of the collateral, valuation report |
| Collateral | yes |
| Accepted as collateral | real estate |
| Insurance required | yes |
| Borrower age | 18–60 years |
| Decision time | up to 3 banking business days |
Rates by term, amount and client category
| Term | Amount | Down payment from | Clients | Rate |
|---|---|---|---|---|
| 240 mo. | up to 800 000 000 UZS | 25% | all clients | 22%/yearstandard rate; Tashkent up to 800 mln, regions up to 500 mln UZS |
| 240 mo. | up to 800 000 000 UZS | 25% | salary clients | 21.5%/yearfor participants of the bank's payroll project |
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 ↗
Eco-renovation online
| Purpose | renovation and improvement of housing at the main place of residence with eco-materials (without reconstruction and construction) |
|---|---|
| Available to | for citizens of Uzbekistan (aged 18 to 60) |
| Rate (main case) | 23.5%/year23,5% per annumterm up to 10 years; rate is reviewed every 5 years |
| Lowest rate | 23.5%/year23,5% per annum |
| Highest rate | 23.5%/year23,5% per annum |
| Maximum amount | 170 000 000 UZSup to 170 mln UZS |
| Loan term | up to 120 mo. |
| Issuance fee | freeno bank fees or chargesinformation sheet: «Bank commissions and fees — none» |
| Late payment penalty | increased rate: 1,2 times the rate on the principal debtinformation sheet: «Penalty: none»; 1,2 times the rate on the current part of the principal is charged on the overdue principal amount |
| Insurance | insurance of at least 133,5% of the loan amountinsurance of the collateral |
| Collateral | yes |
| Accepted as collateral | real estate |
| Insurance required | yes |
| Borrower age | 18–60 years |
| Decision time | up to 3 banking business days |
Rates by term, amount and client category
| Term | Amount | Rate |
|---|---|---|
| 120 mo. | — | 23.5%/yearterm up to 120 mo., no grace period |
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 under partner programs online
| Purpose | purchase of an apartment on the primary market at the construction stage in the bank's partner residential complexes |
|---|---|
| Available to | citizens of the Republic of Uzbekistan (up to 60 years old); apartment buyers in the bank's partner residential complexes |
| Lowest rate | 15%/yearfrom 15% per annumminimum «from» among residential complex partners (YUNUSABAD RESIDENCE, ONIX) |
| Highest rate | 22%/yearup to 22% per annummaximum «from» among residential complex partners (GOLD STEP INVEST, YANGIOBOD RESIDENCE) |
| Borrower age | 18–60 years |
Rates by term, amount and client category
| Term | Amount | Rate |
|---|---|---|
| — | — | 22%/yearResidential complex «GOLD STEP INVEST»: rate «from 22%» per the page; term and amount not specified |
| — | — | 18%/yearResidential complex «CHORVOQ RESORT COMPLEX»: rate «from 18%» per the page; term and amount not specified |
| — | — | 17.5%/year«AKFA GROUP» residential complex: rate «from 17.5%» per the page; term and amount not specified |
| — | — | 16%/yearResidential complex «VODIY BUILD INVEST»: rate «from 16%» per the page; term and amount not specified |
| — | — | 22%/yearResidential complex «YANGIOBOD RESIDENCE»: rate «from 22%» per the page; term and amount not specified |
| — | — | 15%/yearResidential complex «YUNUSABAD RESIDENCE»: rate «from 15%» per the page; term and amount not specified |
| — | — | 15%/year«ONIX» residential complex: rate «from 15%» per the page; term and amount not specified |
| — | — | 20%/year«Anor Residence» residential complex: rate «from 20%» per the page; term and amount not specified |
| — | — | 18%/yearResidential complex «Kelajak Residence»: rate «from 18%» per the page; term and amount not specified |
| — | — | 20%/year«SABO» residential complex: rate «from 20%» per the page; term and amount not specified |
| — | — | 18%/year«SHARQ BAHORI» residential complex: rate «from 18%» per the page; term and amount not specified |
| — | — | 20%/year«Sokinmakon» residential complex: rate «from 20%» per the page; term and amount not stated |
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
Online microloan online
| Purpose | for any purpose; online application in the Milliy app without visiting the office |
|---|---|
| Available to | For participants of the NBU payroll project and employees of budget organizations |
| Rate (main case) | 25%/year25% per annum (term up to 60 mo.)term up to 60 mo. at one rate; the rate for payroll clients and public sector employees is the only one |
| Lowest rate | 25%/year25% per annum |
| Highest rate | 25%/year25% per annum |
| Maximum amount | 100 000 000 UZSup to 100 mln UZS |
| Loan term | up to 60 mo. |
| Issuance fee | freeno bank fees or chargesinformation sheet: «Bank commissions and fees — none» |
| Late payment penalty | increased rate: 1,2 times the rate on the principal debtinformation sheet: «Penalty: none»; 1,2 times the rate on the current part of the principal is charged on the overdue principal amount |
| Insurance | life and health insurance of the borrower; cost not specifiedinformation sheet: “Life and health insurance of the borrower against the risk of loss of working capacity, disability or death”; whether it is mandatory is not specified |
| Collateral | yes |
| Accepted as collateral | other |
| Repayment scheme | annuity |
| Borrower age | 18–65 years |
| Decision time | up to 3 banking business days |
Rates by term, amount and client category
| Term | Amount | Clients | Rate | Channel | Repayment |
|---|---|---|---|---|---|
| 60 mo. | — | salary clients | 25%/yearfor NBU payroll project participants and public sector employees; term up to 60 mo. | online | 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 ↗
Microloan online
| Purpose | for any purpose (in cash or to a card / e-wallet) |
|---|---|
| Available to | for citizens of the Republic of Uzbekistan aged 18-65 with a stable income: those with official income, NBU payroll clients, employees of budget organizations and partners of “Bank at Work” |
| Rate (main case) | 28%/year28% per annum (with official income, term up to 60 mo.)term up to 60 mo. at one rate |
| Lowest rate | 24%/yearfrom 24% per annumfor employees of the bank's strategic partners ("Bank at Work") |
| Highest rate | 28%/yearup to 28% per annum |
| Maximum amount | 100 000 000 UZSup to 100 mln UZS |
| Loan term | up to 60 mo. |
| Issuance fee | freeno bank fees or chargesinformation sheet: «Bank commissions and fees — none» |
| Late payment penalty | increased rate: 1,2 times the rate on the principal debtinformation sheet: «Penalty: none»; 1,2 times the rate on the current part of the principal is charged on the overdue principal amount |
| Insurance | an insurance policy against the risk of non-repayment is one of the types of security; the cost is not stated |
| Accepted as collateral | real estate |
| Repayment scheme | annuity |
| Borrower age | 18–65 years |
| Decision time | up to 3 banking business days |
Rates by term, amount and client category
| Term | Amount | Clients | Rate | Repayment |
|---|---|---|---|---|
| 60 mo. | — | all clients | 28%/yearfor persons with official income; term up to 60 mo. | annuity |
| 60 mo. | — | public-sector employees | 25%/yearfor employees of public-sector organizations | annuity |
| 60 mo. | — | special category | 24%/yearunder the «Bank at Work» project - for employees of the bank's strategic partners | annuity |
| 60 mo. | — | salary clients | 25%/yearfor participants of the bank's payroll project | 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 ↗
Education loans
Preferential education loan online
| Purpose | payment of a fee-paying contract in higher and professional educational organizations (full-time study only, application via the “Education Loan” system of the Ministry of Economy and Finance) |
|---|---|
| Available to | citizens of Uzbekistan - full-time students (from the 2024/2025 academic year); not available to foreign citizens and stateless persons |
| Rate (main case) | 14%/year14% per annum (term up to 162 mo.)term up to 162 mo. depending on the study period; the rate equals the CB base rate, 14% is stated |
| Lowest rate | 14%/year14% per annum |
| Highest rate | 14%/year14% per annum |
| Maximum amount | amount of the paid contract; for students of the 2nd year and above — no more than 80% of the contract if the grade average is below «3» |
| Loan term | up to 162 mo. |
| Borrower age | from 18 years |
Rates by term, amount and client category
| Term | Amount | Rate |
|---|---|---|
| 162 mo. | — | 14%/yearthe rate equals the current base rate of the Central Bank (when it falls, it falls proportionally; when it rises, it does not change); for women - 14% per annum, interest is paid from the Educational Loan Financing Fund under the Ministry of Finance |
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 loan online
| Purpose | payment of tuition (contract) at higher, secondary specialized and vocational educational institutions (full-time, evening, correspondence) |
|---|---|
| Available to | students admitted to bachelor's and master's programs, incl. under a super-contract and transferred students |
| Rate (main case) | 24%/year24% per annum for a term of up to 60 mo. (bachelor’s degree)the base term of 48 mo. falls within the range up to 60 mo. (bachelor's) - rate 24%; up to 36 mo. - 22% |
| Lowest rate | 22%/yearfrom 22% per annum |
| Highest rate | 24%/yearup to 24% per annum |
| Maximum amount | equal to the amount of the payment contract |
| Loan term | up to 60 mo. |
| Grace period | 12 mo. |
| Borrower age | from 18 years |
Rates by term, amount and client category
| Term | Amount | Rate |
|---|---|---|
| 36 mo. | — | 22%/yearbachelor’s degree, term up to 36 mo. |
| 36 mo. | — | 22%/yearmaster’s degree, term up to 36 mo. |
| 37–60 mo. | — | 24%/yearbachelor’s degree, term up to 60 mo. (from 37 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 ↗
Other loans
National Green online
| Purpose | purchase and installation of renewable energy sources and energy-saving equipment |
|---|---|
| Available to | for individuals; reduced rate - for participants of the NBU payroll project |
| Rate (main case) | 22%/year22% per annum (term up to 60 mo.)term up to 60 mo. at a single rate; the rate for payroll project participants - 20% |
| Lowest rate | 20%/yearfrom 20% per annumfor participants of the NBU payroll project |
| Highest rate | 22%/yearup to 22% per annum |
| Effective rate | 22%/yearfull cost of the loan 22% (information sheet example)per the sample sheet: rate 22%, no fees or expenses |
| Maximum amount | 70 000 000 UZSup to 70 mln UZS |
| Loan term | up to 60 mo. |
| Down payment | no down paymentno down payment |
| Issuance fee | freeno bank fees or chargesinformation sheet: «Bank commissions and fees — none» |
| Servicing fee | freeno costs or feesinformation sheet |
| Late payment penalty | 0.1%0,1% of the overdue payment amountinformation sheet (example dated 05.12.2024); period not stated; increased rate 26,4% (1,2 times 22%) |
| Grace period | 3 mo. |
| Repayment scheme | annuity |
| Borrower age | from 18 years |
| Decision time | up to 3 banking business days |
Rates by term, amount and client category
| Term | Amount | Clients | Rate | Repayment |
|---|---|---|---|---|
| 60 mo. | — | all clients | 22%/yearfor other individuals; term up to 60 mo. | annuity |
| 60 mo. | — | salary clients | 20%/yearfor participants of the NBU payroll project | 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 ↗