Consumer loans: bank terms compared
Rates as of 23.10.2026More details
Consumer loans are offered by 15 banks: 17 loans. The rate in the table is for the main case (base term, minimum amount, no discounts); compare loans within one currency. Click a column header to sort the table.
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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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.
| Bank | Loan | Rate | Rate from | Amount up to | Term | Down payment | Collateral | How to apply |
|---|---|---|---|---|---|---|---|---|
 Business Development Bank |
Consumer online | 25%/year25% per annum for 36 months | 23%/yearfrom 23% for a payroll project for 5 years | 200 000 000 UZSup to 200 mln UZS | 12–60 mo. | — | — | online |
 Uzpromstroybank (SQB) |
Yangicha | 25.99%/year25,99% per annum for 36 months | 21.99%/yearfrom 21,99% for a term of up to 6 months | 200 000 000 UZSup to 200 mln UZS | up to 60 mo. | — | — | in branch |
 Agrobank |
Ishonchli mikroqarzi no collateral | 27%/year27% per annum for 36 months | 26%/yearfrom 26% for 2 years (information sheet) | 50 000 000 UZSup to 50 mln UZS | 24–60 mo. | — | no | in branch |
 Trustbank |
Universal | 27%/year27% per annum for a term of up to 24 months | 25%/yearfrom 25% per annum | up to 200 times the base calculation value (for a term of up to 24 mo.), up to 100 BCV (for a term of up to 12 mo.) | up to 24 mo. | — | — | in branch |
| Agrobank |
Microloan no collateral | 28%/year28% per annum for 36 months | 25%/yearfrom 25% for public-sector employees for 2 years | 100 000 000 UZSup to 100 mln UZS | 24–60 mo. | — | no | in branch |
 Asakabank |
Consumer loan | 28%/year28% per annum for 36 months | 24%/yearfrom 24% | up to 200 BCV | up to 60 mo. | — | — | in branch |
 Microcreditbank |
Consumer loan | 28%/year28% per annum for a term of up to 60 months | 28%/year28% per annum | 150 000 000 UZSup to 150 mln UZS | 1–60 mo. | — | — | in branch |
 Poytaxt Bank |
Sayohat | 28%/year28% per annum for 12 months | 28%/year28% | up to 100 times the base calculation value (BCV) | up to 12 mo. | — | — | in branch |
 Ziraat Bank Uzbekistan |
Consumer loan residents only | 28%/year28% per annum for 36 months | 25.5%/yearfrom 25.5% per annum | up to 400 BCV (base calculation values) | up to 36 mo. | — | yes | in branch |
 Hamkorbank |
Consumer no collateral | 30%/year30% per annum for 36 months | 26%/yearfrom 26% | 200 000 000 UZSup to 200 mln UZS | 12–36 mo. | — | no | in branch |
 Octobank |
Octo Card online | 30%/year30% per annum for a term of up to 60 months | 25%/year25% for bank employees and payroll projects | upper limit is not specified as a number | up to 60 mo. | — | yes | online |
 InFinBank |
Consumer lending | 37.99%/year37,99% per annum for 18 months | 37.99%/year37,99% per annum | 41 200 000 UZSup to 100 BCV (41 200 000 UZS) | up to 18 mo. | no down paymentno advance payment provided | — | in branch |
 Uzum Bank |
Loan onlineno collateral | 38%/year38% per annum, fixed | 38%/year38% per annum | 100 000 000 UZSup to 100 mln UZS | 12–36 mo. | — | no | online |
 Apex Bank |
Offline loan no collateral | from 28% to 35% per annum (depending on the client category) | 22%/yearfrom 22% per annum | 100 000 000 UZSup to 100 mln UZS inclusive | 6–36 mo. | — | no | in branch |
 Ipak Yuli Bank |
Consumer loan | — | 21.9%/yearfrom 21,9% per annum | contract amount; depends on the program terms and creditworthiness | up to 60 mo. | — | — | in branch |
| Ipak Yuli Bank |
Consumer loan with a guarantor | — | 25.9%/yearfrom 25,9% per annum | 100 000 000 UZSup to 100 000 000 UZS | up to 36 mo. | — | — | in branch |
 Bank Saderat Tashkent |
Consumer | 23%-26% per annum | 23%/yearfrom 23% per annum | up to 8 times the minimum wage | up to 36 mo. | — | — | in branch |