TBC Bank loans: rates and terms
Rates as of 23.10.2026More details
TBC Bank: 3 loans, types: auto loan, microloan.
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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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
Auto loan online
| Purpose | purchase of a new car (including under the Trade-in program) from the bank's partner dealers in Tashkent |
|---|---|
| Available to | to citizens of Uzbekistan aged 18 and over with a permanent source of income |
| Rate (main case) | 25.9%/year25,9% per annum for 36 months with a 25% down paymentthe rate in the calculator on the page is the same for all 102 models and all terms of 6-60 mo.; the bank states the exact terms after the application is approved; preferential rates of up to 0% are possible under partner programs |
| Lowest rate | 0%/yearfrom 0% per annumfor some partner programs the rate may be reduced, down to 0% (page, information sheet dated 30.09.2026); program terms are not published on the website |
| Highest rate | 29.5%/yearup to 29,5% per annummaximum rate per the information sheet dated 30.09.2026 and the «Terms» page |
| Maximum amount | 1 000 000 000 UZSup to 1 000 000 000 UZSper the information sheet dated 30.09.2026 and the «Terms» page |
| Loan term | 6–60 mo. |
| Down payment | 25%at least 25% of the car pricepaid only offline at the cashier of any bank; details after receiving the loan agreement |
| Issuance fee | freefree application submission“Terms” page: “Application submission - Free” |
| Servicing fee | freeloan servicing is free“Terms” page: “Loan servicing - Free” |
| Late payment penalty | 0.1%/daypenalty of 0,1% per day on the overdue principalIndividual terms, part 3: penalty on overdue interest 1,0% per day (not more than 50% of the amount of overdue interest); fine of 100 000 UZS for each case of delay; fine of 1% of the collateral value for denying access for inspection; penalty of 0,1% per day for failure to provide new collateral and failure to register with the Main Directorate for Road Traffic Safety from the 16th day |
| Insurance | CASCO policy is mandatory for the entire loan term at the borrower’s expensethe cost of CASCO is not stated; under the individual terms the bank may approve a loan without CASCO or with CASCO for part of the term: with a down payment from 40%, a short term, personal use of a car from the bank's list, under personal offers |
| Collateral | yes |
| Accepted as collateral | car |
| Insurance required | yes |
| Repayment scheme | annuity |
| Borrower age | from 18 years |
| Decision time | preliminary decision in 1 minute; per the information sheet - no later than the next business day |
Rates by term, amount and client category
| Term | Amount | Down payment from | Rate | Repayment |
|---|---|---|---|---|
| 6–60 mo. | up to 1 000 000 000 UZS | 25.0% | 25.9%/yearthe calculator rate on the page for all 102 models and all terms (6, 12, 18, 24, 36, 48, 60 mo.) is 25,9%; per the page text it depends on the model, down payment and term; preferential partner programs - from 0% | 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 ↗
Microloans
TBC Kredit onlineno collateral
| Purpose | for any purpose (online microloan for personal needs) |
|---|---|
| Available to | for citizens of Uzbekistan with a stable income |
| Rate (main case) | from 28% to 49% per annum, individual rate (scoring)rate 28-49% per annum, calculated individually based on the application form, financial standing and the client's obligations |
| Lowest rate | 28%/yearfrom 28% per annumminimum rate from the information sheet and the page; the rate is calculated individually based on the application data and the client's obligations |
| Highest rate | 49%/yearup to 49% per annummaximum rate from the information sheet and the page |
| Effective rate | Total cost of loan is not published; it is determined from the rate in the scoring system decisioninformation sheet, item 21 |
| Minimum amount | 300 000 UZSfrom 300 000 UZS |
| Maximum amount | 100 000 000 UZSup to 100 000 000 UZSthe available limit is determined by the system; it may be more or less than the requested amount |
| Loan term | 3–36 mo. |
| Issuance fee | freeno issuance feeinformation sheet, item 22 |
| Servicing fee | freeno additional costsinformation sheet, item 9; repayment in the TBC app without commission (in payme/Click 1%, in Paynet 2% - third-party service commission) |
| Early repayment | freeearly repayment fee is not specified, there are no additional costsinformation sheet: early repayment is available (item 24), there are no additional costs (item 9); there is no separate fee in the document; the bank has the right to demand early repayment itself (item 10) |
| Late payment penalty | 0.5%/dayincreased interest of 0,5% per day on overdue principalPenalty for a one-time late payment: 50 000 UZS for a regular payment of up to 500 000 UZS, 75 000 UZS for a payment of up to 1 000 000 UZS, 100 000 UZS for a payment of 1 000 000 UZS or more. |
| Insurance | noneno mandatory insurancevoluntary life insurance of the borrower (TBC Sug'urta, Apex Life) is arranged in the app, the premium is paid from the loan funds |
| Collateral | no |
| Guarantor | no |
| Proof of income | no |
| Insurance required | no |
| Early repayment allowed | yes |
| Repayment scheme | annuity |
| Borrower age | from 18 years |
| Decision time | on average within 1 minute (average over the last 300 000 users); per the information sheet - no more than one business day |
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 ↗
TBC Kredit for self-employed onlineno collateral
| Purpose | for any business needs: equipment, vehicles, employee salaries, current expenses |
|---|---|
| Available to | for self-employed citizens of Uzbekistan |
| Rate (main case) | from 28% to 49% per annum, individual rate (scoring)rate 28-49% per annum, calculated individually; the loan is available to registered self-employed |
| Lowest rate | 28%/yearfrom 28% per annumminimum rate from the information sheet and the page; the rate is calculated individually based on the application data and the client's obligations |
| Highest rate | 49%/yearup to 49% per annummaximum rate from the information sheet and the page |
| Effective rate | Total cost of loan is not published; it is determined from the rate in the scoring system decisioninformation sheet, item 21 |
| Minimum amount | 300 000 UZSfrom 300 000 UZS |
| Maximum amount | 100 000 000 UZSup to 100 000 000 UZSthe available limit is determined by the system; it may be more or less than the requested amount |
| Loan term | 3–36 mo. |
| Issuance fee | freeno issuance feeinformation sheet, item 22 |
| Servicing fee | freeno additional costsinformation sheet, item 9; repayment in the TBC app without commission (in payme/Click 1%, in Paynet 2% - third-party service commission) |
| Early repayment | freeearly repayment fee is not specified, there are no additional costsinformation sheet: early repayment is available (item 24), there are no additional costs (item 9); there is no separate fee in the document; the bank has the right to demand early repayment itself (item 10) |
| Late payment penalty | 0.5%/dayincreased interest of 0,5% per day on overdue principalPenalty for a one-time late payment: 50 000 UZS for a regular payment of up to 500 000 UZS, 75 000 UZS for a payment of up to 1 000 000 UZS, 100 000 UZS for a payment of 1 000 000 UZS or more. |
| Insurance | noneno mandatory insurancevoluntary life insurance of the borrower (TBC Sug'urta, Apex Life) is arranged in the app, the premium is paid from the loan funds |
| Collateral | no |
| Guarantor | no |
| Insurance required | no |
| Early repayment allowed | yes |
| Repayment scheme | annuity |
| Borrower age | from 18 years |
| Decision time | on average within 1 minute (average over the last 300 000 users); per the information sheet - no more than one business day |
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 ↗