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Microloans: bank terms compared

Rates as of 23.10.2026More details

Microloans are offered by 31 banks: 97 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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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
Trustbank Advantageous microloan 19.5%/year19,5% per annum up to 5 mln UZS for a term of up to 36 months 19.5%/yearfrom 19,5% per annum 10 000 000 UZSup to 10 mln UZS up to 36 mo. — — in branch
Asia Alliance Bank Imkon 21%/year21% per annum for a term of up to 12 months 21%/yearfrom 21% per annum 100 000 000 UZSUp to 100 mln UZS up to 60 mo. — — in branch
Agrobank Biznesga ko'mak no collateral 21%/year21% per annum for a term of up to 48 months 21%/year21% per annum 17 000 000 UZSup to 17 mln UZS up to 48 mo. no down paymentno down payment required no in branch
Agrobank Microloan Mahalla loyihasi 21%/year21% per annum for a term of up to 60 months 21%/year21% per annum 50 000 000 UZSup to 50 mln UZS up to 60 mo. — — in branch
Garant Bank Payroll project no collateral 21%/year21% per annum for 12 months 21%/year21% for 12 months 100 000 000 UZSup to 100 000 000 UZS up to 48 mo. — no in branch
Xalq Bank Pension microloan onlineno collateral 21%/year21% per annum for a term of up to 24 months 21%/year21% per annum 30 000 000 UZSup to 30 000 000 UZS up to 24 mo. — no online
Uzpromstroybank (SQB) Istiqlol microloan 22%/year22% per annum for a term of up to 12 months 20%/yearfrom 20% for payroll project participants for a term of up to 6 months 100 000 000 UZSup to 100 mln UZS up to 36 mo. — — in branch
Uzpromstroybank (SQB) Istiqlol online microloan online 22%/year22% per annum for a term of up to 12 months 21%/yearfrom 21% for a term of up to 6 months 100 000 000 UZSup to 100 mln UZS up to 36 mo. — — online
Turonbank Barakali Limonzor microloan online 22%/year22% per annum for a term of up to 84 months 22%/year22% per annum 41 200 000 UZSup to 41,2 mln UZS 1–84 mo. no down paymentno — online
Ipak Yuli Bank Microloan for payroll projects no collateral 22.9%/year22,9% per annum for a term of up to 12 months 22.9%/yearfrom 22,9% 100 000 000 UZSup to 100 000 000 UZS up to 36 mo. — no in branch
Ipak Yuli Bank Microloan for civil servants with a guarantor onlineno collateral 23.9%/year23,9% per annum for a term of up to 12 months 23.9%/yearfrom 23,9% 100 000 000 UZSup to 100 000 000 UZS up to 36 mo. — no online
Hamkorbank Microloan Plus online 23.99%/year23,99% per annum for a term of up to 12 months 23.99%/yearfrom 23,99% 300 000 000 UZSup to 300 mln UZS up to 60 mo. — yes online
InFinBank InFin microloan 23.99%/year23,99% per annum with official income for a term of up to 36 months 23.99%/yearfrom 23,99% with official income for a term of up to 36 months 100 000 000 UZSup to 100 mln UZS up to 60 mo. no down paymentno advance payment provided yes in branch
Kapitalbank Universal residents only 23.99%/year23,99% per annum for a term of up to 60 months 23.99%/year23,99% per annum 300 000 000 UZSup to 300 mln UZS 12–60 mo. — yes in branch
Davr Bank Mini loan 2 onlineno collateral 24%/year24% per annum for 12 months 24%/year24% per annum 2 000 000 UZSup to 2 mln UZS up to 12 mo. no down paymentnot provided no online
Microcreditbank Microloan 24%/year24% per annum for a term of up to 12 months 24%/yearfrom 24% per annum 100 000 000 UZSup to 100 mln UZS 1–60 mo. — — in branch
Microcreditbank Convenient overdraft 24%/year24% per annum for a term of 60 months 24%/year24% per annum 100 000 000 UZS100 mln UZS 1–60 mo. — — in branch
Poytaxt Bank Microloan project for salary payment 24%/year24% per annum for 12 months 24%/yearfrom 24% 100 000 000 UZSup to 100 mln UZS up to 36 mo. no down paymentno down payment — in branch
Turonbank Microloan Mukobil Business online 24%/year24% per annum for a term of up to 48 months 24%/year24% per annum 300 000 000 UZSup to 300 mln UZS 1–48 mo. no down paymentno yes online
Agrobank Advance Plus online 25%/year25% per annum for 12 months 25%/year25% per annum 100 000 000 UZSup to 100 mln UZS 12–24 mo. — — online
Agrobank First Step to Business microloan no collateral 25%/year25% per annum for 12 months 23%/yearfrom 23% for women 5 000 000 UZSup to 5 mln UZS 12 mo. — no in branch
Aloqabank Mening mahallam-2 25%/year25% per annum 25%/year25% per annum 100 000 000 UZSup to 100 mln UZS up to 60 mo. — — in branch
Garant Bank First step to business 25%/year25% per annum 25%/year25% per annum 20 000 000 UZSup to 20 000 000 UZS up to 12 mo. — — in branch
National Bank of Uzbekistan (NBU) Online microloan online 25%/year25% per annum (term up to 60 mo.) 25%/year25% per annum 100 000 000 UZSup to 100 mln UZS up to 60 mo. — yes online
Orient Finans Bank Corporate Plus online 25%/year25% per annum 25%/year25% per annum 100 000 000 UZSup to 100 mln UZS 3–36 mo. — — online
Poytaxt Bank Microloan 25%/year25% per annum for a term of 6 to 12 months 25%/yearfrom 25% 100 000 000 UZSup to 100 mln UZS 6–36 mo. no down paymentno down payment — in branch
Turonbank Microcredit Mahalla loyihasi online 25%/year25% per annum for a term of up to 48 months 25%/year25% per annum 50 000 000 UZSup to 50 mln UZS 1–48 mo. no down paymentno — online
Xalq Bank Online microloan onlineno collateral 25%/year25% per annum for a term of up to 12 months 24%/yearfrom 24% for payroll clients, for a term of up to 1 year 100 000 000 UZSup to 100 000 000 UZS up to 48 mo. — no online
Xalq Bank Offline microloan no collateral 25%/year25% per annum for a term of up to 36 months 25%/year25% per annum 100 000 000 UZSup to 100 000 000 UZS up to 36 mo. — no in branch
Ziraat Bank Uzbekistan Microloan available to non-residents 25%/year25% per annum for 12 months 25%/yearfrom 25% per annum 100 000 000 UZSup to 100 mln UZS up to 36 mo. no down paymentdown payment is not required — in branch
Ipak Yuli Bank Microloan with a guarantor no collateral 25.9%/year25,9% per annum for a term of up to 12 months 25.9%/yearfrom 25,9% 100 000 000 UZSup to 100 000 000 UZS up to 36 mo. — no in branch
InFinBank Infin Qadam 25.99%/year25,99% per annum for a term of up to 60 months 25.99%/year25,99% per annum 300 000 000 UZSup to 300 mln UZS up to 60 mo. — yes in branch
Anorbank Business Go 26%/year26,0% per annum for a term of 12 to 60 months 26%/year26,0% per annum 300 000 000 UZSup to 300 mln UZS 12–60 mo. — yes in branch
Asakabank Preferential microloan online 26%/year26% per annum for 12 months 20%/yearfrom 20% 10 000 000 UZSup to 10 mln UZS 3–12 mo. — — online
Davr Bank Maxsus mikroqarz onlineno collateral 26%/year26% per annum up to 60 months 26%/year26% per annum 100 000 000 UZS100 mln UZS up to 60 mo. no down paymentnot provided no online
Davr Bank Mini loan onlineno collateral 26%/year26% per annum up to 36 months 26%/year26% per annum 4 000 000 UZS4 mln UZS up to 36 mo. no down paymentnot provided no online
Microcreditbank For women Istiqbolli ayol 26%/year26% per annum for a term of up to 60 months 26%/year26% per annum 50 000 000 UZSup to 50 mln UZS 1–60 mo. — — in branch
Microcreditbank Express microloan 26%/year26% per annum for a term of up to 12 months 26%/yearfrom 26% per annum 100 000 000 UZSup to 100 mln UZS 1–60 mo. — yes in branch
Uzpromstroybank (SQB) MikroMadad microloan 26%/year26% per annum for a term of up to 12 months 23%/yearfrom 23% secured by property, for a term of up to 12 months 100 000 000 UZSup to 100 mln UZS up to 48 mo. — — in branch
Turonbank Microcredit Biznesim maqsadim online 26%/year26% per annum for a term of up to 48 months 26%/year26% per annum 50 000 000 UZSup to 50 mln UZS 1–48 mo. no down paymentno — online
Asakabank Mikrokredit 26.9%/year26,9% per annum for 36 months 26.9%/yearfrom 26,9% 300 000 000 UZSup to 300 mln UZS 3–60 mo. — yes in branch
Turonbank Microloan Bizning mijoz online 26.9%/year26,9% per annum for 12 months 26.9%/yearfrom 26,9% for 12 months 100 000 000 UZSup to 100 mln UZS 1–48 mo. no down paymentno — online
InFinBank Microloan for self-employed persons 26.99%/year26,99% per annum for a term of up to 60 months 26.99%/year26,99% per annum 300 000 000 UZSup to 300 mln UZS up to 60 mo. — — in branch
Aloqabank Ichki turizm 27%/year27% per annum 27%/year27% per annum 25 000 000 UZSup to 25 mln UZS up to 36 mo. — — in branch
Asakabank Microloan 2.6 27%/year27% per annum for 12 months 25%/yearfrom 25% 100 000 000 UZSup to 100 mln UZS 3–60 mo. — — in branch
Davr Bank Mini loan 3 onlineno collateral 27%/year27% per annum up to 36 months 27%/year27% per annum 10 000 000 UZSup to 10 mln UZS up to 36 mo. no down paymentnot provided no online
Kapitalbank Online microloan online 27%/year27% per annum for a term of 3-12 months 27%/year27% per annum 50 000 000 UZSup to 50 mln UZS 3–12 mo. — — online
Orient Finans Bank Domestic tourism online 27%/year27% per annum 27%/year27% per annum 15 000 000 UZSup to 15 mln UZS 3–12 mo. — — online
Orient Finans Bank Ishonch online 27.5%/year27,5% per annum for other individuals 25.5%/yearfrom 25,5% for employees of budget organizations 100 000 000 UZSup to 100 mln UZS 3–36 mo. — — online
Aloqabank Online Microloan onlineno collateral 27.9%/year27,9% per annum for a term of 2-24 months, unsecured 23%/yearfrom 23% with a third-party guarantee 100 000 000 UZSmaximum 100 mln UZS 6–60 mo. — no online
Turonbank Tez Pul microloan online 27.9%/year27,9% per annum for 12 months 27.9%/yearfrom 27,9% for 12 months 100 000 000 UZSup to 100 mln UZS 1–48 mo. no down paymentno — online
Business Development Bank Travel microloan 28%/year28% per annum for a term of up to 4 years 26%/yearfrom 26% (up to 2 years) 40 000 000 UZSup to 40 mln UZS up to 48 mo. — — in branch
Business Development Bank Microloan for corporate employees online 28%/year28% per annum for 36 months (per calculator) 26%/yearfrom 26% 100 000 000 UZSup to 100 mln UZS 12–48 mo. — — online
Garant Bank GO no collateral 28%/year28% per annum for a term of up to 12 months 28%/year28% for a term of up to 12 months 100 000 000 UZSup to 100 000 000 UZS up to 48 mo. — no in branch
National Bank of Uzbekistan (NBU) Microloan online 28%/year28% per annum (with official income, term up to 60 mo.) 24%/yearfrom 24% per annum 100 000 000 UZSup to 100 mln UZS up to 60 mo. — — online
Poytaxt Bank One Payment microloan 28%/year28% per annum for a term of up to 36 months 28%/year28% 100 000 000 UZSup to 100 mln UZS up to 36 mo. — — in branch
Bank Saderat Tashkent Microloan 28%/year28% per annum for 3 years 28%/year28% per annum — up to 36 mo. — — in branch
Trustbank Microloan 28%/year28% per annum for a term of up to 12 months (with a guarantor) 24%/yearfrom 24% per annum 100 000 000 UZSup to 100 mln UZS (up to 50 mln UZS for the self-employed) up to 60 mo. — — in branch
Business Development Bank Microloan online 29%/year29% per annum for 36 months 25%/yearfrom 25% (payroll project, 12 months) 100 000 000 UZSup to 100 mln UZS 12–48 mo. — — online
Uzpromstroybank (SQB) Microloan under an open credit line online 29.9%/year29,9% per annum for 24 months 26.9%/yearfrom 26,9% for payroll project participants 100 000 000 UZSup to 100 mln UZS 24 mo. — — online
Anorbank Business Lite 29.99%/year29,99% per annum for a term of 12 to 60 months 29.99%/year29,99% per annum 300 000 000 UZSup to 300 mln UZS 12–60 mo. — yes in branch
Business Development Bank Online microloan onlineno collateral 30%/year30% per annum for 36 months (per calculator) 26%/yearfrom 26% 100 000 000 UZSup to 100 mln UZS 12–48 mo. — no online
Garant Bank TEZ VA QULAY ONLINE 2.0 onlineno collateral 30%/year30% per annum for persons with official income 30%/year30% for persons with official income 1 000 000 UZSup to 1 000 000 UZS up to 12 mo. — no online
Garant Bank Online onlineno collateral 30%/year30% per annum for a term of up to 12 months 28%/year28% for a term of up to 6 months 100 000 000 UZSup to 100 000 000 UZS up to 48 mo. — no online
Orient Finans Bank Online microloan onlineno collateral 30%/year30% per annum 30%/year30% per annum 50 000 000 UZSup to 50 mln UZS 3–24 mo. — no online
Agrobank Online microloan onlineno collateral 31%/year31% per annum for 12 months 31%/yearfrom 31% for 12 mo. 100 000 000 UZSup to 100 mln UZS 12–48 mo. — no online
Ipak Yuli Bank Qulay microloan onlineno collateral 31.9%/year31,9% per annum for a term of up to 12 months 31.9%/year31,9% 10 000 000 UZSup to 10 000 000 UZS up to 12 mo. — no online
Madad Invest Bank Microloan up to 100 mln. UZS online 31.9%/year31,9% per annum for a term of 6-36 months 31.9%/year31,9% per annum 100 000 000 UZSup to 100 mln UZS 6–36 mo. — yes online
Garant Bank Imkoniyat 32%/year32% per annum 32%/year32% per annum 100 000 000 UZSup to 100 000 000 UZS up to 30 mo. — yes in branch
Hamkorbank Start microloan 32%/year32% per annum for a term of up to 36 months 32%/year32% 100 000 000 UZSup to 100 mln UZS up to 36 mo. — — in branch
Davr Bank Nuroniy 33%/year33% per annum up to 60 months 33%/year33% per annum 100 000 000 UZSup to 100 mln UZS up to 60 mo. no down paymentnot required — in branch
AVO Bank Online microloan onlineno collateral 34.9%/year34,9% per annum for 12 months 34.9%/yearfrom 34,9% per annum 100 000 000 UZSup to 100 000 000 UZS 3–36 mo. — no online
Anorbank BUSINESS START 35.99%/year35,99% per annum for a term of 12 to 60 months 35.99%/year35,99% per annum 300 000 000 UZSup to 300 mln UZS 12–60 mo. — yes in branch
Davr Bank Microloan for payment onlineno collateral 36%/year36% per annum, up to 12 months 36%/year36% per annum 1 000 000 UZSup to 1 mln UZS up to 12 mo. no down paymentnot provided no online
Davr Bank Davr Online onlineno collateral 37%/year37% per annum, up to 60 months 37%/year37% per annum 100 000 000 UZSup to 100 mln UZS up to 60 mo. no down paymentnot provided no online
Davr Bank Microloan 100 no collateral 37%/year37% per annum for 60 months 37%/year37% per annum 100 000 000 UZSup to 100 mln UZS up to 60 mo. no down paymentnot required no in branch
Davr Bank Universal microloan onlineno collateral 37%/year37% per annum, up to 12 months 37%/year37% per annum 50 000 000 UZSup to 50 mln UZS up to 12 mo. no down paymentnot required no online
Anorbank BUSINESS START 3.0 39.99%/year39,99% per annum for a term of 12 to 60 months 39.99%/year39,99% per annum 300 000 000 UZSup to 300 mln UZS 12–60 mo. — yes in branch
Hayot Bank Yakhshisi onlineno collateral 40%/year40% per annum 40%/year40% per annum 100 000 000 UZSup to 100 mln UZS 1–48 mo. — no online
Davr Bank Davr Online 2 onlineno collateral 45%/year45% per annum, up to 60 months 45%/year45% per annum 30 000 000 UZSup to 30 mln UZS up to 60 mo. no down paymentnot required no online
Asia Alliance Bank Online onlineno collateral From 25% to 38% per annum 25%/yearfrom 25% per annum 100 000 000 UZSUp to 100 mln UZS 1–36 mo. — no online
Asia Alliance Bank Online Imkoniyat onlineno collateral From 27% to 38% per annum 27%/yearfrom 27% per annum 100 000 000 UZSUp to 100 mln UZS 1–36 mo. — no online
Anorbank Convenient microloan online from 26% to 35% per annum, individually 26%/yearfrom 26% per annum 100 000 000 UZSup to 100 mln UZS 3–36 mo. — yes online
Apex Bank Online loan onlineno collateral from 28% to 35% per annum (for other borrowers) 22%/yearfrom 22% per annum 100 000 000 UZSup to 100 mln UZS inclusive 6–36 mo. — no online
Asakabank Online microloan online — 20%/yearfrom 20% 100 000 000 UZSno more than 100 mln UZS 3–48 mo. — — online
Garant Bank Farovonlik — 30%/yearfrom 30% per annum 300 000 000 UZSup to 300 000 000 UZS up to 60 mo. — yes in branch
Hamkorbank Light 2 microloan no collateral — 23%/yearfrom 23% 100 000 000 UZSup to 100 mln UZS up to 36 mo. — no in branch
Hamkorbank Online onlineno collateral — 23%/yearfrom 23% 100 000 000 UZSup to 100 mln UZS 6–36 mo. — no online
Ipak Yuli Bank Microloan for self-employed — 21%/yearfrom 21% per annum 300 000 000 UZSup to 300 mln UZS up to 60 mo. — yes in branch
Ipak Yuli Bank Online microloan onlineno collateral — 32.81%/yearfrom 32,81% per annum 100 000 000 UZSup to 100 000 000 UZS up to 48 mo. — no online
Ipoteka Bank Microloan onlineno collateral from 24% to 48,9% per annum, the rate is determined individually 24%/yearfrom 24% per annum 100 000 000 UZSup to 100 mln UZS 36–60 mo. — no online
Ipoteka Bank Microloan for self-employed onlineno collateral from 24% per annum, the exact rate is set individually 24%/yearfrom 24% per annum 100 000 000 UZSup to 100 mln UZS 3–36 mo. — no online
KDB Bank Uzbekistan Microloan for employees of corporate clients 34% and above, the rate is set by the bank's Credit Committee 34%/yearfrom 34% per annum the borrower's average monthly salary for the last 12 months up to 12 mo. — — in branch
TBC Bank TBC Kredit onlineno collateral from 28% to 49% per annum, individual rate (scoring) 28%/yearfrom 28% per annum 100 000 000 UZSup to 100 000 000 UZS 3–36 mo. — no online
TBC Bank TBC Kredit for self-employed onlineno collateral from 28% to 49% per annum, individual rate (scoring) 28%/yearfrom 28% per annum 100 000 000 UZSup to 100 000 000 UZS 3–36 mo. — no online
Tenge Bank Online microloan onlineno collateral from 24,6% to 49% per annum (inclusive) 24.6%/yearfrom 24,6% per annum 90 000 000 UZS 6–36 mo. — no online
Uzum Bank Microloan to Uzum card promoonlineno collateral 0% for 30 days under the promotion, then Uzum Nasiya platform fee from 28% to 44% 0%/year0% for 30 days with full repayment 25 000 000 UZSup to 25 mln UZS up to 12 mo. — no online

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