TBC Bank microloans
Rates as of 23.10.2026More details
All TBC Bank microloans on one page: 2 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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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 2
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 ↗
Frequently asked questions
What is the microloan rate at TBC Bank?
The lowest rate in sums on this page is 28% a year, 2 loans in total. The exact rate depends on the term, amount and bank conditions. A 0% rate is not counted here.
Can I get a TBC Bank microloan online?
Yes, the bank lists website or app applications for 2 of 2: “TBC Kredit”, “TBC Kredit for self-employed”.