Xalq Bank auto loans
Rates as of 23.10.2026More details
All Xalq Bank auto loans on one page: 3 loans. Each shows rates by term, down payment, amount 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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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.
Auto loans 3
Zero auto loan
| Purpose | purchase of a car from the bank's partner organizations |
|---|---|
| Available to | individuals with official income and self-employed, aged 18-60 |
| Rate (main case) | 0%/year0% per annum with a 30% down payment, term up to 60 months'on the basis of a general agreement concluded with partner organizations' |
| Lowest rate | 0%/year0% |
| Highest rate | 0%/year0% |
| Maximum amount | 600 000 000 UZSup to 600 000 000 UZStypo on the page: 'up to 600 000 000 months' |
| Loan term | up to 60 mo. |
| Down payment | 30%30% of the cost |
| Collateral | yes |
| Accepted as collateral | car |
| Insurance required | yes |
| Borrower age | 18–60 years |
| Decision time | after the full set of documents - up to 3 banking business days |
Rates by term, amount and client category
| Term | Amount | Down payment from | Rate |
|---|---|---|---|
| 60 mo. | — | 30% | 0%/yeardown payment 30%; under a master agreement with partner organizations |
Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center.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 ↗
Online auto loan online
| Purpose | purchase of a car from dealers (car showrooms) via the Xazna app |
|---|---|
| Available to | citizens of Uzbekistan aged 18-60 with official income |
| Rate (main case) | 23%/year23% per annum with a 35% down payment, term up to 60 monthsfor Uzautomotors vehicles the down payment is 25% at the same rate |
| Lowest rate | 23%/year23% per annum |
| Highest rate | 23%/year23% per annum |
| Maximum amount | 600 000 000 UZSup to 600 000 000 UZS |
| Loan term | up to 60 mo. |
| Down payment | 25%from 25% (35% for other cars)25% - for Uzautomotors cars, 35% - in all other cases |
| Collateral | yes |
| Accepted as collateral | car |
| Proof of income | no |
| Insurance required | yes |
| Repayment scheme | annuity |
| Borrower age | 18–60 years |
| Decision time | within 1 business day after documents |
Rates by term, amount and client category
| Term | Amount | Down payment from | Rate | Channel | Repayment |
|---|---|---|---|---|---|
| 60 mo. | — | 25% | 23%/yearfor Uzautomotors cars the down payment is 25% | online | annuity |
| 60 mo. | — | 35% | 23%/yeardown payment 35% | 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 ↗
Auto loan
| Purpose | purchase of a car from official dealers (car dealerships) |
|---|---|
| Available to | citizens of Uzbekistan aged 18-60 with official income, as well as self-employed |
| Rate (main case) | 24%/year24% per annum with a 25% down payment, term of up to 5 yearsgeneral terms (block heading on the page); the subheading of the same block shows 25% with a 25% down payment and 24% with a 40% down payment - a discrepancy |
| Lowest rate | 23%/yearfrom 23% for the payroll project |
| Highest rate | 24%/yearup to 24% according to the terms headings |
| Maximum amount | 600 000 000 UZSup to 600 000 000 UZS |
| Loan term | up to 60 mo. |
| Down payment | 25%from 25% of the cost |
| Grace period | 6 mo. |
| Collateral | yes |
| Accepted as collateral | car |
| Insurance required | yes |
| Borrower age | 18–60 years |
| Decision time | documents are reviewed within 3 business days |
Rates by term, amount and client category
| Term | Amount | Down payment from | Clients | Rate |
|---|---|---|---|---|
| 60 mo. | — | 25% | all clients | 24%/yeargeneral terms, down payment 25%; term up to 5 years |
| 60 mo. | — | 25% | salary clients | 23%/yearpayroll project, down payment 25% |
| 60 mo. | — | 50% | special category | 24%/yearself-employed, down payment 50% |
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 auto loan rate at Xalq Bank?
The lowest rate in sums on this page is 23% a year, 3 loans in total. The exact rate depends on the term, amount and bank conditions. A 0% rate is not counted here.
What is the down payment on a Xalq Bank auto loan?
The lowest down payment stated by the bank is 25% of the car price, on “Online auto loan”. Other programmes may require more.
Does Xalq Bank offer a 0% auto loan?
A 0% rate appears among the options of 1 loan: “Zero auto loan”. These are usually partner programmes with a set term and down payment, shown in each loan’s rate table.