Octobank: 6 loans, types: consumer loan, auto loan, mortgage, refinancing.
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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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.
Consumer loans
Octo Cardonline
Purpose
for any purpose (in the information sheet — for the borrower's personal needs)
Available to
for citizens of Uzbekistan and the self-employed, residents; 25% rate — for bank employees and participants of payroll projects
Rate (main case)
30%/year30% per annum for a term of up to 60 monthsfor other categories of clients; for employees of the bank and payroll projects — 25%
Lowest rate
25%/year25% for bank employees and payroll projects
Highest rate
30%/year30% for other clients
Maximum amount
upper limit is not specified as a numberup to and including 100 mln UZS the bank insures 50% of the non-repayment risk, the rest is unsecured; above 100 mln - depending on the sufficiency of collateral
Loan term
up to 60 mo.
Issuance fee
freeno processing fees or loan disbursement chargesinformation sheet: “None”
Late payment penalty
50%/yearincreased rate of 50% per annum on overdue principalinformation sheet, section 2
Insurance
noneno mandatory insurance at the expense of the borrowerup to 100 mln UZS, the bank provides insurance against non-repayment risk (50% of the amount); information sheet: third-party services “None”
Grace period
3 mo.
Collateral
yes
Accepted as collateral
real estate, car, other
Proof of income
yes
Repayment scheme
annuity
Borrower age
20–60 years
Decision time
same day
Rates by term, amount and client category
Term
Amount
Clients
Rate
Repayment
60 mo.
—
all clients
30%/yearsingle rate for the entire term of up to 60 months
annuity
60 mo.
—
salary clients
25%/yearbank employees and 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Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center.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 ↗
Auto loans
Auto loan 1.0
Purpose
purchase of a passenger car on the primary market from official car showrooms/dealer centers of the Republic of Uzbekistan
Available to
for citizens of Uzbekistan; 21% rate — for payroll project participants
Rate (main case)
24%/year24% per annum for a term of up to 60 monthsbase rate; for participants of the payroll project of JSC "Oktobank" — 21%
Lowest rate
21%/year21% for payroll project participantspromotional rate, see the salary option
Highest rate
24%/year24% per annumbase rate
Maximum amount
unlimitedon the page: “Not limited” / “Unlimited”
Loan term
up to 60 mo.
Down payment
25%down payment 25%
Issuance fee
freeno processing fees or loan disbursement chargesinformation sheet: “None”
Late payment penalty
50%/yearincreased rate of 50% per annum on overdue principalinformation sheet, section 2
Grace period
1 mo.
Collateral
yes
Accepted as collateral
car
Proof of income
yes
Repayment scheme
other
Borrower age
20–60 years
Decision time
within one business day
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
Repayment
60 mo.
—
25.0%
all clients
24%/yearone rate for the entire term up to 60 months; annuity or differentiated payments, as chosen
other
60 mo.
—
25.0%
salary clients
21%/yearRate for participants of the payroll project of JSC «Oktobank» (employees of the bank and corporate clients, salary paid to an Oktobank card, resident); described as promotional on the promotion page, promotion valid until 31.12.2026
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 ↗
Auto loan 2.0
Purpose
purchase of a passenger car on the secondary market
Available to
for citizens of Uzbekistan; 21% rate — for payroll project participants
Rate (main case)
24%/year24% per annum for a term of up to 60 monthsbase rate; for participants of the payroll project of JSC "Oktobank" — 21%
Lowest rate
21%/year21% for payroll project participantspromotional rate, see the salary option
Highest rate
24%/year24% per annumbase rate
Maximum amount
unlimitedon the page: “Not limited” / “Unlimited”
Loan term
up to 60 mo.
Down payment
40%down payment from 40%
Issuance fee
freeno processing fees or loan disbursement chargesinformation sheet: “None”
Late payment penalty
50%/yearincreased rate of 50% per annum on overdue principalinformation sheet, section 2
Grace period
1 mo.
Collateral
yes
Accepted as collateral
car
Proof of income
yes
Repayment scheme
other
Borrower age
20–60 years
Decision time
within one business day
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
Repayment
60 mo.
—
40.0%
all clients
24%/yearone rate for the entire term up to 60 months; annuity or differentiated payments, as chosen
other
60 mo.
—
40.0%
salary clients
21%/yearRate for participants of the payroll project of JSC «Oktobank» (employees of the bank and corporate clients, salary paid to an Oktobank card, resident); described as promotional on the promotion page, promotion valid until 31.12.2026
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 ↗
Mortgages
Mortgage for payroll project clients and bank employeespromoonline
Purpose
purchase of real estate on the primary market (new buildings from an accredited developer) and on the secondary market in the city of Tashkent and the Tashkent region
Available to
to payroll project clients and bank employees
Rate (main case)
18%/year18% per annum for a term of up to 120 monthsfor payroll project clients and bank employees; promotion until 31.12.2026
Lowest rate
18%/year18% per annum
Highest rate
18%/year18% per annum
Maximum amount
unlimitedon the page: «Unlimited»; the amount is determined by an assessment of income and security
Loan term
up to 120 mo.
Down payment
20%down payment from 20%
Issuance fee
freeno processing fees or loan disbursement chargesinformation sheet: “None”
Early repayment
freeearly repayment with no additional fee«Mortgage» product passport, section 1: «Allowed (no additional fee)»
Late payment penalty
50%/yearincreased rate of 50% per annum on overdue principalinformation sheet, section 2
Insurance
property and life insurance at the expense of the borrowercost not specified
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
other
Borrower age
20–70 years
Decision time
preliminary decision within 1 hour, review within up to 3 banking business days
Offer valid until
31.12.2026
Rates by term, amount and client category
Term
Amount
Down payment from
Clients
Rate
Repayment
120 mo.
—
20.0%
salary clients
18%/yearfor employees of organizations participating in the payroll project and bank employees; promotion until 31.12.2026
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 ↗
Mortgage for new-build and secondary housingonline
Purpose
purchase of real estate on the primary market (new buildings from an accredited developer) and on the secondary market in the city of Tashkent and the Tashkent region
Available to
citizens of the Republic of Uzbekistan
Rate (main case)
22%/year22% per annum for a term of up to 120 months with a 20–49% down paymentwith a down payment from 50% — 20%
Lowest rate
20%/year20% with a down payment from 50%
Highest rate
22%/year22% with a down payment of 20–49%
Maximum amount
unlimitedon the page: «Unlimited»; the amount is determined by an assessment of income and security
Loan term
up to 120 mo.
Down payment
20%down payment from 20%
Issuance fee
freeno processing fees or loan disbursement chargesinformation sheet: “None”
Early repayment
freeearly repayment with no additional fee«Mortgage» product passport, section 1: «Allowed (no additional fee)»
Late payment penalty
50%/yearincreased rate of 50% per annum on overdue principalinformation sheet, section 2
Insurance
property and life insurance at the expense of the borrowercost not specified
Collateral
yes
Accepted as collateral
real estate
Proof of income
yes
Insurance required
yes
Early repayment allowed
yes
Repayment scheme
other
Borrower age
20–70 years
Decision time
preliminary decision within 1 hour, review within up to 3 banking business days
Rates by term, amount and client category
Term
Amount
Down payment from
Rate
Repayment
120 mo.
—
20.0%
22%/yeardown payment from 20% to 49%
other
120 mo.
—
50.0%
20%/yeardown payment from 50%
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 ↗
Loan refinancing
Octo Restartonline
Purpose
refinancing of existing loans from third-party banks
Available to
to citizens of Uzbekistan and self-employed persons registered in Tashkent and the Tashkent region
Rate (main case)
28.9%/year28,9% per annum for a term of up to 60 monthsoverall rate; 24,9% - if there were no delays of more than 5 days on the refinanced loans over the last 12 months
Lowest rate
24.9%/year24,9% per annumif there were no overdue payments of more than 5 days on the refinanced loans over 12 months
Highest rate
28.9%/year28,9% per annumoverall rate
Minimum amount
4 000 000 UZSfrom 4 mln UZS
Maximum amount
100 000 000 UZSup to 100 mln UZSincluding the outstanding principal and accrued interest on the refinanced loan
Loan term
up to 60 mo.
Issuance fee
freeno processing fees or loan disbursement chargesinformation sheet: “None”
Late payment penalty
50%/yearincreased rate of 50% per annum on overdue principalinformation sheet, section 2
Collateral
yes
Accepted as collateral
real estate, car, other
Repayment scheme
other
Borrower age
20–60 years
Decision time
on the day of application
Rates by term, amount and client category
Term
Amount
Rate
Repayment
60 mo.
4 000 000 – 100 000 000 UZS
28.9%/yearoverall rate; annuity or differentiated payments
other
60 mo.
4 000 000 – 100 000 000 UZS
24.9%/yearif there are no payments overdue by more than 5 days on the refinanced loans during the last 12 months from the date of application
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 ↗
