Uzum Bank loans: rates and terms
Rates as of 23.10.2026More details
Uzum Bank: 2 loans, types: consumer 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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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.
Consumer loans
Loan onlineno collateral
| Purpose | for any purpose (non-purpose-specific, no collateral or guarantors) |
|---|---|
| Available to | for citizens of the Republic of Uzbekistan aged 20-65 with residence registration, at least 6 months of work experience and a debt burden of no more than 50% |
| Rate (main case) | 38%/year38% per annum, fixedone rate for all terms of 12-36 months and amounts of 10-100 mln UZS (page calculator); interest is accrued daily on the actual balance |
| Lowest rate | 38%/year38% per annumsingle rate for all terms and amounts |
| Highest rate | 38%/year38% per annumsingle rate for all terms and amounts |
| Minimum amount | 10 000 000 UZSfrom 10 mln UZSlower limit of the calculator slider on the loan page |
| Maximum amount | 100 000 000 UZSup to 100 mln UZS |
| Loan term | 12–36 mo. |
| Early repayment | freeno fee for early repayment, no restrictionspage: early repayment is possible with savings; general terms item 5.9: early repayment at the client's initiative, no fee specified; contract template item 10: no restrictions under the general terms |
| Late payment penalty | increased interest on overdue principal under the individual terms of the contractthe amount is not stated in public documents (contract template cl. 8 with blanks); general terms cl. 10.7: interest, fees and penalties no more than half of the loan amount per year |
| Insurance | noneinsurance is not mandatoryvoluntary life insurance (APEX LIFE, Uzum Bank is the agent): the cost is included in the loan amount and is not paid separately; the loan can be obtained without insurance |
| Collateral | no |
| Guarantor | no |
| Proof of income | no |
| Insurance required | no |
| Early repayment allowed | yes |
| Repayment scheme | annuity |
| Borrower age | 20–65 years |
| Decision time | in a few minutes |
Rates by term, amount and client category
| Term | Amount | Rate | Channel | Repayment |
|---|---|---|---|---|
| 12–36 mo. | 10 000 000 – 100 000 000 UZS | 38%/yearterm 12-36 months; the rate does not change with term or amount (checked in the calculator for 12, 24, 36 months); fixed | 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 ↗
Microloans
Microloan to Uzum card promoonlineno collateral
| Purpose | non-purpose microloan to the Uzum card (purchases, transfers, cash withdrawal) |
|---|---|
| Available to | for Uzum card holders (residents of the Republic of Uzbekistan), applied for in the Uzum Bank app; the loan is issued by the MFI LLC “TEZCOIN” through the Uzum Nasiya platform |
| Rate (main case) | 0% for 30 days under the promotion, then Uzum Nasiya platform fee from 28% to 44%the annual rate cannot be determined for the base term of 12 months: the bank names not a percentage but a “fee for the Uzum Nasiya platform from 28% to 44%” (accrual period not stated); under the microfinance organization agreement the interest rate is “interest-free”, total loan cost 0%, the platform operator's fee is separate |
| Lowest rate | 0%/year0% for 30 days with full repaymentinterest-free period promotion until 31.12.2026; if repaid within 30 days, the Uzum Nasiya fee is credited toward repayment of the debt |
| Highest rate | platform commission up to 44%on the page: “after 30 days a platform fee of UZUM NASIYA from 28% to 44% is charged”; not an interest rate, the annual rate cannot be calculated |
| Maximum amount | 25 000 000 UZSup to 25 mln UZSmicroloan limit to the Uzum card |
| Loan term | up to 12 mo. |
| Issuance fee | 5%/transactionUzum Bank fee - 5% for transferring the microloan to a cardcard and microloan pages, bank tariffs; the Uzum Nasiya operator’s fee (issuance commission) - separately, see fee_service |
| Servicing fee | Uzum Nasiya platform fee from 28% to 44% after 30 daysif the entire microloan is repaid within 30 days, the Uzum Nasiya commission is counted towards repayment of the debt; the amount and accrual period (of the sum / per annum) are not specified |
| Late payment penalty | 3%/transaction3% of the overdue debt amount (late payment fee)sample of individual terms of the TEZCOIN MFO agreement (agreement dated 22.07.2026, appendix 1), cl. 11: provided that the overdue amount is debited from the borrower's cards |
| Grace period | 1 mo. |
| Collateral | no |
| Guarantor | no |
| Early repayment allowed | yes |
| Repayment scheme | other |
| Offer valid until | 31.12.2026 |
Rates by term, amount and client category
| Term | Amount | Rate | Channel | Repayment |
|---|---|---|---|---|
| 30 days | up to 25 000 000 UZS | 0%/yearpromotion until 31.12.2026: if repaid in full within 30 days, no interest and no Uzum Nasiya fee; the Uzum Bank fee of 5% for transfer to a card is always charged | online | at maturity |
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 ↗