Car loans with no or low down payment
Rates as of 23.10.2026More details
Car loans with no down payment are rare, so this page lists all loans with up to 15% down: 12 loans from 4 banks. The lowest down payment often applies to only some options.
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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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.
Lowest down payment 12
Loans with the lowest down payment come first. Conditions by term and amount are on the bank page.
| Bank | Loan | Rate | Down payment from | Amount up to | Term | Loan type | How to apply |
|---|---|---|---|---|---|---|---|
 Davr Bank |
Smart Auto | 25%/year25% per annum up to 60 months | 0% | 1 000 000 000 UZSup to 1 bn UZS | up to 60 mo. | Auto loans | in branch |
 Anorbank |
Auto loan 4.0 | from 8% to 27% per annum | 10% | 500 000 000 UZSup to 500 mln UZS | 1–60 mo. | Auto loans | in branch, online |
| Davr Bank |
UzAuto | 0%/year0% per annum for borrowers with official income | 15% | 500 000 000 UZSno more than 500 mln UZS | 10–60 mo. | Auto loans | in branch |
 Aloqabank |
Auto loan, secondary market | 24.5%/year24,5% per annum for a term of up to 60 months with a down payment from 15% | 15% | 300 000 000 UZSup to 300 mln UZS | up to 60 mo. | Auto loans | in branch |
| Aloqabank |
Auto loan for minibus and mini truck | 24.5%/year24,5% per annum for a term of up to 60 months with a down payment from 15% | 15% | 300 000 000 UZSno more than 300 mln UZS | up to 60 mo. | Auto loans | in branch |
| Aloqabank |
Auto loan, primary market | 24.5%/year24,5% per annum for a term of up to 60 months with a down payment from 15% | 15% | not limited, but no more than 75% of the collateral value | up to 60 mo. | Auto loans | in branch |
| Davr Bank |
IKKILAMCHI AVTO | 25.99%/year25,99% per annum for up to 72 months | 15% | 1 000 000 000 UZSup to 1 bn UZS | up to 72 mo. | Auto loans | |
| Davr Bank |
BYD | 26.99%/year26,99% per annum for up to 60 months | 15% | 500 000 000 UZSup to 500 mln UZS | up to 60 mo. | Auto loans | |
| Davr Bank |
NAVBATSIZ AVTO | 26.99%/year26,99% per annum for up to 60 months | 15% | 300 000 000 UZSup to 300 mln UZS | up to 60 mo. | Auto loans | |
 InFinBank |
Infin Auto | 26.99%/year26,99% per annum for up to 48 months (primary market, down payment from 20%) | 15% | primary market: depends on the cost of the car; secondary market: up to 2000 BRV | up to 60 mo. | Auto loans | in branch |
| Davr Bank |
Smart Roodell | from 25% to 27% per annum | 15% | 1 000 000 000 UZSup to 1 bn UZS | up to 60 mo. | Auto loans | in branch |
| Davr Bank |
SPECIAL AUTO | from 0% to 17% per annum depending on the down payment and term | 15% | 500 000 000 UZSup to 500 mln UZS | up to 60 mo. | Auto loans |
Frequently asked questions
Can I get a car loan with no down payment?
Yes, but such programmes are rare: a 0% down payment is listed for 1 loan: “Smart Auto”. Check the conditions with the bank: this may depend on the car, income and collateral.
What is the usual car loan down payment?
The median lowest down payment is 25% across 179 car loans that state one. 12 of them allow up to 15%.
Which banks have a low car loan down payment?
Down payments up to 15% are listed by: Aloqabank, Anorbank, Davr Bank, InFinBank.