Xalq Bank microloans
Rates as of 23.10.2026More details
All Xalq Bank microloans on one page: 3 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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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 3
Pension microloan onlineno collateral
| Purpose | microloan for pensioners without specifying a purpose |
|---|---|
| Available to | citizens of Uzbekistan aged 55-70 on the date of application who receive an old-age pension on a People's Bank card |
| Rate (main case) | 21%/year21% per annum for a term of up to 24 months |
| Lowest rate | 21%/year21% per annum |
| Highest rate | 21%/year21% per annum |
| Maximum amount | 30 000 000 UZSup to 30 000 000 UZS |
| Loan term | up to 24 mo. |
| Grace period | 3 mo. |
| Collateral | no |
| Guarantor | no |
| Proof of income | no |
| Repayment scheme | annuity |
| Borrower age | 55–70 years |
| Decision time | by scoring; the application is reviewed within up to 3 banking business days after the documents |
Rates by term, amount and client category
| Term | Amount | Clients | Rate | Channel | Repayment |
|---|---|---|---|---|---|
| 24 mo. | — | pensioners | 21%/yearterm up to 24 mo. | 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Data on the bank’s website may be out of date: check availability in the bank’s app, at a bank office or via its call center.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 ↗
Online microloan onlineno collateral
| Purpose | microloan with no stated purpose (applied for online) |
|---|---|
| Available to | individuals with a permanent source of income; lower rates - for those who receive their salary on a Xalq Banki card |
| Rate (main case) | 25%/year25% per annum for a term of up to 12 monthsregular clients with a permanent income, term up to 1 year; payroll clients 24% |
| Lowest rate | 24%/yearfrom 24% for payroll clients, for a term of up to 1 year |
| Highest rate | 29%/yearup to 29% for a term of up to 4 years (for clients with a regular income) |
| Maximum amount | 100 000 000 UZSup to 100 000 000 UZS |
| Loan term | up to 48 mo. |
| Grace period | 6 mo. |
| Collateral | no |
| Guarantor | no |
| Repayment scheme | annuity |
| Borrower age | 18–60 years |
| Decision time | online application is processed within 5 minutes |
Rates by term, amount and client category
| Term | Amount | Clients | Rate | Channel | Repayment |
|---|---|---|---|---|---|
| 12 mo. | — | all clients | 25%/yearindividuals with a regular income, term up to 1 year | online | annuity |
| 12 mo. | — | salary clients | 24%/yearXalq Bank payroll project, term up to 1 year | online | annuity |
| 13–24 mo. | — | all clients | 26%/yearindividuals with a regular income, term up to 2 years | online | annuity |
| 13–24 mo. | — | salary clients | 25%/yearpayroll project, term up to 2 years | online | annuity |
| 25–36 mo. | — | all clients | 27%/yearindividuals with a regular income, term up to 3 years | online | annuity |
| 25–36 mo. | — | salary clients | 26%/yearpayroll project, term up to 3 years | online | annuity |
| 37–48 mo. | — | all clients | 29%/yearindividuals with a regular income, term up to 4 years | online | annuity |
| 37–48 mo. | — | salary clients | 27%/yearpayroll project, term up to 4 years | 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 ↗
Offline microloan no collateral
| Purpose | microloan with no stated purpose (applied for at the office) |
|---|---|
| Available to | citizens of the Republic of Uzbekistan aged 18-60 with official income |
| Rate (main case) | 25%/year25% per annum for a term of up to 36 months |
| Lowest rate | 25%/year25% per annum |
| Highest rate | 25%/year25% per annum |
| Maximum amount | 100 000 000 UZSup to 100 000 000 UZS |
| Loan term | up to 36 mo. |
| Collateral | no |
| Guarantor | yes |
| Proof of income | yes |
| Borrower age | 18–60 years |
| Decision time | up to 3 banking business days after the full set of documents |
Rates by term, amount and client category
| Term | Amount | Rate | Channel |
|---|---|---|---|
| 36 mo. | — | 25%/yearterm up to 36 mo. | in branch |
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 Xalq Bank?
The lowest rate in sums on this page is 21% a year, 3 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 Xalq Bank microloan online?
Yes, the bank lists website or app applications for 2 of 3: “Pension microloan”, “Online microloan”.