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Loans without collateral, a guarantor or income proof

Rates as of 23.10.2026More details

Without collateral: 58 loans from 18 banks, where the bank explicitly says no collateral is needed. Most of these are microloans. The columns show whether a guarantor and income proof are needed; a dash means the bank does not say. Check the requirements with the bank.

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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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.

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No collateral 58

The bank explicitly states that no collateral is needed.

Bank Loan Rate Amount up to Term Collateral Guarantor Income proof
Agrobank Open installment card
Installment plans		 0%/yearinterest-free (0%), 12-month schedule for each transaction 82 400 000 UZSup to 82,4 mln UZS up to 12 mo. no — yes
Anorbank ANOR nasiya
Installment plans		 0%/year0% on purchases in the partner network 50 000 000 UZSrevolving limit of up to 50 mln UZS up to 24 mo. no no yes
Ipak Yuli Bank Interest-free instalment plan at Medion
Installment plans		 0%/year0% per annum for 12 months 200 000 000 UZSup to 200 000 000 UZS up to 12 mo. no — yes
Xalq Bank Nasiya
Installment plans		 0%/year0% per annum (interest-free) for a term of up to 36 months 40 000 000 UZSup to 40 000 000 UZS up to 36 mo. no no no
Xalq Bank OPEN installment plan
Installment plans		 0%/year0% per annum for a term of up to 12 months 30 000 000 UZSup to 30 000 000 UZS up to 12 mo. no no no
Agrobank Education loan
Education loans		 14%/year14% per annum (at the level of the Central Bank base rate) tuition cost under the contract up to 84 mo. no yes —
Business Development Bank Online education
Education loans		 14%/year14% per annum 82 400 000 UZSup to 82,4 mln UZS up to 84 mo. no yes —
Hamkorbank Green consumer
Other loans		 19%/year19% per annum for 36 months 200 000 000 UZSup to 200 mln UZS 36 mo. no yes —
Agrobank Biznesga ko'mak
Microloans		 21%/year21% per annum for a term of up to 48 months 17 000 000 UZSup to 17 mln UZS up to 48 mo. no — —
Garant Bank Payroll project
Microloans		 21%/year21% per annum for 12 months 100 000 000 UZSup to 100 000 000 UZS up to 48 mo. no — —
Xalq Bank Pension microloan
Microloans		 21%/year21% per annum for a term of up to 24 months 30 000 000 UZSup to 30 000 000 UZS up to 24 mo. no no no
Ipak Yuli Bank Microloan for payroll projects
Microloans		 22.9%/year22,9% per annum for a term of up to 12 months 100 000 000 UZSup to 100 000 000 UZS up to 36 mo. no yes —
Ipak Yuli Bank Microloan for civil servants with a guarantor
Microloans		 23.9%/year23,9% per annum for a term of up to 12 months 100 000 000 UZSup to 100 000 000 UZS up to 36 mo. no yes —
Davr Bank Mini loan 2
Microloans		 24%/year24% per annum for 12 months 2 000 000 UZSup to 2 mln UZS up to 12 mo. no — yes
Agrobank First Step to Business microloan
Microloans		 25%/year25% per annum for 12 months 5 000 000 UZSup to 5 mln UZS 12 mo. no — no
Aloqabank Education loan funded by the bank's own funds
Education loans		 25%/year25% per annum for a term of up to 60 months 100 000 000 UZSno more than 100 mln UZS up to 60 mo. no yes —
Xalq Bank Online microloan
Microloans		 25%/year25% per annum for a term of up to 12 months 100 000 000 UZSup to 100 000 000 UZS up to 48 mo. no no —
Xalq Bank Offline microloan
Microloans		 25%/year25% per annum for a term of up to 36 months 100 000 000 UZSup to 100 000 000 UZS up to 36 mo. no yes yes
Ipak Yuli Bank Microloan with a guarantor
Microloans		 25.9%/year25,9% per annum for a term of up to 12 months 100 000 000 UZSup to 100 000 000 UZS up to 36 mo. no yes yes
Davr Bank Maxsus mikroqarz
Microloans		 26%/year26% per annum up to 60 months 100 000 000 UZS100 mln UZS up to 60 mo. no — yes
Davr Bank Mini loan
Microloans		 26%/year26% per annum up to 36 months 4 000 000 UZS4 mln UZS up to 36 mo. no — yes
Agrobank Ishonchli mikroqarzi
Consumer loans		 27%/year27% per annum for 36 months 50 000 000 UZSup to 50 mln UZS 24–60 mo. no — —
Davr Bank Mini loan 3
Microloans		 27%/year27% per annum up to 36 months 10 000 000 UZSup to 10 mln UZS up to 36 mo. no — yes
Aloqabank Online Microloan
Microloans		 27.9%/year27,9% per annum for a term of 2-24 months, unsecured 100 000 000 UZSmaximum 100 mln UZS 6–60 mo. no no —
Agrobank Microloan
Consumer loans		 28%/year28% per annum for 36 months 100 000 000 UZSup to 100 mln UZS 24–60 mo. no yes yes
Garant Bank GO
Microloans		 28%/year28% per annum for a term of up to 12 months 100 000 000 UZSup to 100 000 000 UZS up to 48 mo. no — yes
Agrobank Online payment
Other loans		 30%/year30% per annum for 24 months 100 000 000 UZSup to 100 mln UZS up to 24 mo. no — yes
Business Development Bank Online microloan
Microloans		 30%/year30% per annum for 36 months (per calculator) 100 000 000 UZSup to 100 mln UZS 12–48 mo. no — —
Garant Bank TEZ VA QULAY ONLINE 2.0
Microloans		 30%/year30% per annum for persons with official income 1 000 000 UZSup to 1 000 000 UZS up to 12 mo. no — yes
Garant Bank Online
Microloans		 30%/year30% per annum for a term of up to 12 months 100 000 000 UZSup to 100 000 000 UZS up to 48 mo. no — yes
Hamkorbank Consumer
Consumer loans		 30%/year30% per annum for 36 months 200 000 000 UZSup to 200 mln UZS 12–36 mo. no yes yes
Orient Finans Bank Online microloan
Microloans		 30%/year30% per annum 50 000 000 UZSup to 50 mln UZS 3–24 mo. no no yes
Agrobank Online microloan
Microloans		 31%/year31% per annum for 12 months 100 000 000 UZSup to 100 mln UZS 12–48 mo. no — yes
Ipak Yuli Bank Qulay microloan
Microloans		 31.9%/year31,9% per annum for a term of up to 12 months 10 000 000 UZSup to 10 000 000 UZS up to 12 mo. no no —
AVO Bank For the self-employed
Other loans		 34.9%/year34,9% per annum for 12 months 100 000 000 UZSup to 100 000 000 UZS 3–36 mo. no no no
AVO Bank For a wedding
Other loans		 34.9%/year34,9% per annum for 12 months 100 000 000 UZSup to 100 000 000 UZS 3–36 mo. no no no
AVO Bank Online microloan
Microloans		 34.9%/year34,9% per annum for 12 months 100 000 000 UZSup to 100 000 000 UZS 3–36 mo. no no no
Davr Bank Microloan for payment
Microloans		 36%/year36% per annum, up to 12 months 1 000 000 UZSup to 1 mln UZS up to 12 mo. no — yes
Davr Bank Davr Online
Microloans		 37%/year37% per annum, up to 60 months 100 000 000 UZSup to 100 mln UZS up to 60 mo. no — no
Davr Bank Microloan 100
Microloans		 37%/year37% per annum for 60 months 100 000 000 UZSup to 100 mln UZS up to 60 mo. no no yes
Davr Bank Universal microloan
Microloans		 37%/year37% per annum, up to 12 months 50 000 000 UZSup to 50 mln UZS up to 12 mo. no — yes
Uzum Bank Loan
Consumer loans		 38%/year38% per annum, fixed 100 000 000 UZSup to 100 mln UZS 12–36 mo. no no no
Hayot Bank Yakhshisi
Microloans		 40%/year40% per annum 100 000 000 UZSup to 100 mln UZS 1–48 mo. no no yes
Davr Bank Davr Online 2
Microloans		 45%/year45% per annum, up to 60 months 30 000 000 UZSup to 30 mln UZS up to 60 mo. no — yes
Asia Alliance Bank Online
Microloans		 From 25% to 38% per annum 100 000 000 UZSUp to 100 mln UZS 1–36 mo. no — yes
Asia Alliance Bank Online Imkoniyat
Microloans		 From 27% to 38% per annum 100 000 000 UZSUp to 100 mln UZS 1–36 mo. no — yes
Asia Alliance Bank Sayoxatlar sari
Other loans		 From 28% to 30% per annum Up to 200 BCV up to 36 mo. no — yes
Apex Bank Online loan
Microloans		 from 28% to 35% per annum (for other borrowers) 100 000 000 UZSup to 100 mln UZS inclusive 6–36 mo. no — yes
Apex Bank Offline loan
Consumer loans		 from 28% to 35% per annum (depending on the client category) 100 000 000 UZSup to 100 mln UZS inclusive 6–36 mo. no no yes
Hamkorbank Light 2 microloan
Microloans		 — 100 000 000 UZSup to 100 mln UZS up to 36 mo. no no —
Hamkorbank Online
Microloans		 — 100 000 000 UZSup to 100 mln UZS 6–36 mo. no no —
Ipak Yuli Bank Online microloan
Microloans		 — 100 000 000 UZSup to 100 000 000 UZS up to 48 mo. no no —
Ipoteka Bank Microloan
Microloans		 from 24% to 48,9% per annum, the rate is determined individually 100 000 000 UZSup to 100 mln UZS 36–60 mo. no no no
Ipoteka Bank Microloan for self-employed
Microloans		 from 24% per annum, the exact rate is set individually 100 000 000 UZSup to 100 mln UZS 3–36 mo. no no no
TBC Bank TBC Kredit
Microloans		 from 28% to 49% per annum, individual rate (scoring) 100 000 000 UZSup to 100 000 000 UZS 3–36 mo. no no no
TBC Bank TBC Kredit for self-employed
Microloans		 from 28% to 49% per annum, individual rate (scoring) 100 000 000 UZSup to 100 000 000 UZS 3–36 mo. no no —
Tenge Bank Online microloan
Microloans		 from 24,6% to 49% per annum (inclusive) 90 000 000 UZS 6–36 mo. no no yes
Uzum Bank Microloan to Uzum card promo
Microloans		 0% for 30 days under the promotion, then Uzum Nasiya platform fee from 28% to 44% 25 000 000 UZSup to 25 mln UZS up to 12 mo. no no —

No guarantor or income proof, but collateral is required or not stated 50

A guarantor or income proof is not needed here, but the loan may still need collateral: a car loan, for example, is secured by the car.

Bank Loan Rate Amount up to Term Collateral Guarantor Income proof
Ipoteka Bank Super Chevy
Auto loans		 0%/year0% per annum, term depends on the down payment amount 480 000 000 UZSup to 480 mln UZS up to 60 mo. yes no —
Orient Finans Bank BYD Carryover New
Auto loans		 0%/year0% per annum 800 000 000 UZSup to 800 mln UZS 12–30 mo. yes no —
Asakabank ADM Global III
Auto loans		 8.5%/year8,5% per annum for 36 months with a 20% down payment 1 000 000 000 UZSno more than 80% of the cost; with official income up to 2 loans with a total amount of up to 1 bn UZS; without official income 1 loan up to 750 mln UZS up to 60 mo. yes yes no
Ipoteka Bank Super Geely
Auto loans		 11.5%/year11,5% per annum for 36 months with a down payment from 25% 480 000 000 UZSup to 480 mln UZS 12–60 mo. yes no —
Orient Finans Bank Denza auto loan
Auto loans		 13%/year13% per annum for 18 months with a 30% contribution 800 000 000 UZSup to 800 mln UZS 12–18 mo. yes no —
Ipoteka Bank Super ADM
Auto loans		 14%/year14% per annum for 36 months with a down payment from 30% (AUTO 1 program) 480 000 000 UZSup to 480 mln UZS 12–60 mo. yes no —
Ipoteka Bank Super ADM for KIA
Auto loans		 14%/year14% per annum for 36 months with a down payment from 30% (AUTO 1 program) 480 000 000 UZSup to 480 mln UZS 12–60 mo. yes no —
Asakabank ADM Global II
Auto loans		 14.5%/year14,5% per annum for 36 months with a 20% down payment 1 000 000 000 UZSno more than 80% of the cost; with official income up to 2 loans with a total amount of up to 1 bn UZS; without official income 1 loan up to 750 mln UZS up to 60 mo. yes yes no
Ipoteka Bank Super Evolution
Auto loans		 15.5%/year15,5% per annum for 36 months with a down payment from 25% 480 000 000 UZSup to 480 mln UZS 12–60 mo. yes no —
Ipoteka Bank Super Changan
Auto loans		 16.5%/year16,5% per annum for 36 months with a down payment from 25% (SCHAN-2 program) 480 000 000 UZSup to 480 mln UZS 12–60 mo. yes no —
Business Development Bank Fast mortgage
Mortgages		 16.99%/year16,99% per annum, term up to 20 years 480 000 000 UZSTashkent - up to 480 mln UZS up to 240 mo. yes no yes
Business Development Bank Mortgage for primary housing
Mortgages		 17%/year17% per annum, term up to 20 years 480 000 000 UZSTashkent - up to 480 mln UZS up to 240 mo. yes no yes
Ipoteka Bank Super Cobalt
Auto loans		 17%/year17% per annum for 36 months with a 25% contribution 480 000 000 UZSup to 480 mln UZS 12–60 mo. yes no —
Ipak Yuli Bank Murad Buildings mortgage
Mortgages		 17.5%/year17,5% per annum 2 000 000 000 UZSup to 2 000 000 000 UZS up to 240 mo. yes — no
Ipoteka Bank Hyundai
Auto loans		 17.9%/year17,9% per annum for 36 months with a down payment from 25% (STANDARD program) 480 000 000 UZSup to 480 mln UZS 12–60 mo. yes no —
Asakabank ADM Global I
Auto loans		 18%/year18,0% per annum for 36 months with a 20% down payment 1 000 000 000 UZSno more than 80% of the cost; with official income up to 2 loans with a total amount of up to 1 bn UZS; without official income 1 loan up to 750 mln UZS up to 60 mo. yes yes no
Ipoteka Bank Super JET
Auto loans		 19%/year19% per annum for 36 months with a down payment from 25% (SJET-1 program) 480 000 000 UZSup to 480 mln UZS 12–60 mo. yes no —
Ipoteka Bank Super DongFeng
Auto loans		 20%/year20% per annum for 36 months with a down payment from 25% 480 000 000 UZSup to 480 mln UZS 12–60 mo. yes no —
Ipak Yuli Bank Collateralized microloan for civil servants
Secured loans		 20.9%/year20,9% per annum for a term of up to 12 months 100 000 000 UZSup to 100 000 000 UZS up to 60 mo. yes no yes
Ipoteka Bank Cobalt Special
Auto loans		 21%/year21% per annum for a term of up to 5 years 480 000 000 UZSup to 480 mln UZS 12–60 mo. yes no —
Microcreditbank Comfort auto loan
Auto loans		 21%/year21% per annum for a term of 1–3 years (primary market) 880 000 000 UZSup to 880 mln UZS 1–60 mo. yes — no
Orient Finans Bank BYD Special Offer
Auto loans		 21.5%/year21,5% per annum for 36 months with a 25% down payment 800 000 000 UZSup to 800 mln UZS 36–60 mo. yes no —
Ipoteka Bank Super BYD
Auto loans		 21.9%/year21,9% per annum with a down payment from 25% (SBYD-1 program) 480 000 000 UZSup to 480 mln UZS 12–60 mo. yes no —
Trustbank Mortgage for persons without an official source of income
Mortgages		 21.99%/year21,99% per annum for a term of up to 180 months 800 000 000 UZSup to 800 mln UZS for Tashkent, up to 500 mln UZS for Karakalpakstan and the regions up to 180 mo. yes no no
Business Development Bank Mortgage — refinancing
Mortgages		 22%/year22% per annum 4 400 000 000 UZSTashkent - up to 4,4 bn UZS up to 180 mo. yes no yes
Ipak Yuli Bank Microloan for persons with informal income
Secured loans		 22.9%/year22,9% per annum for a term of up to 12 months 100 000 000 UZSup to 100 000 000 UZS up to 60 mo. yes — no
Trustbank Auto loan
Auto loans		 22.9%/year22,9% per annum for a term of up to 60 months with a 25% down payment maximum amount is not specified on the page up to 60 mo. yes no yes
Business Development Bank Green mortgage
Mortgages		 23%/year23% per annum (fixed), term up to 10 years 350 000 000 UZSTashkent and New Tashkent - up to 350 mln UZS 12–120 mo. yes no yes
Business Development Bank Madad
Mortgages		 23%/year23% per annum, term up to 15 years 1 100 000 000 UZSTashkent - up to 1,1 bn UZS up to 180 mo. yes no yes
Xalq Bank Online auto loan
Auto loans		 23%/year23% per annum with a 35% down payment, term up to 60 months 600 000 000 UZSup to 600 000 000 UZS up to 60 mo. yes — no
Business Development Bank Mortgage for secondary housing
Mortgages		 23.5%/year23,5% per annum with a down payment of 20%, term up to 15 years 4 400 000 000 UZSTashkent - up to 4,4 bn UZS up to 180 mo. yes no yes
Orient Finans Bank Auto loan for employees of budget organizations
Auto loans		 23.5%/year23,5% per annum for 36 months with a 25% down payment 800 000 000 UZSup to 800 mln UZS 12–60 mo. yes no —
Turonbank Even Easier
Mortgages		 24%/year24% per annum for 120 months 1 600 000 000 UZSup to 4000 BCV (calculator: up to 1,6 bn UZS) 1–120 mo. yes — no
Orient Finans Bank Auto loan BYD
Auto loans		 24.5%/year24,5% per annum for 36 months with a 25% down payment 800 000 000 UZSup to 800 mln UZS 12–60 mo. yes no —
Orient Finans Bank Easy auto loan
Auto loans		 24.5%/year24,5% per annum for 36 months with a 25% down payment 800 000 000 UZSup to 800 mln UZS 12–60 mo. yes no —
Ipoteka Bank R-BYD
Auto loans		 25%/year25% per annum with a 25% down payment 480 000 000 UZSup to 480 mln UZS 12–60 mo. yes no —
Business Development Bank Housing construction and reconstruction
Mortgages		 26%/year26% per annum, term up to 15 years 1 540 000 000 UZSup to 1,54 bn UZS up to 180 mo. yes no yes
Microcreditbank For women Istiqbolli ayol
Microloans		 26%/year26% per annum for a term of up to 60 months 50 000 000 UZSup to 50 mln UZS 1–60 mo. — — no
Orient Finans Bank Auto loan for the secondary market
Auto loans		 26.9%/year26,9% per annum for 36 months with a 30% down payment 800 000 000 UZSup to 800 mln UZS 12–48 mo. yes no —
Asakabank Auto loan 2.6
Auto loans		 27.9%/year27,9% per annum for 36 months with a 20% down payment 1 000 000 000 UZSno more than 80% of the cost; with official income up to 2 loans with a total amount of up to 1 bn UZS; without official income 1 loan up to 750 mln UZS up to 60 mo. yes yes no
Garant Bank Makon+
Mortgages		 30%/year30% per annum with a 50% down payment based on the cost of the housing being purchased, the figure is not specified 12–120 mo. yes — no
Asakabank ADM Global IV
Auto loans		 — 1 000 000 000 UZSno more than 80% of the cost; with official income up to 2 loans with a total amount of up to 1 bn UZS; without official income 1 loan up to 750 mln UZS up to 60 mo. yes yes no
Asakabank ADM Global V
Auto loans		 — 1 000 000 000 UZSno more than 80% of the cost; with official income up to 2 loans with a total amount of up to 1 bn UZS; without official income 1 loan up to 750 mln UZS up to 60 mo. yes yes no
Asakabank Auto loan Cobalt Zero
Auto loans		 — 1 000 000 000 UZSno more than 75% of the car's value; with official income, up to 2 loans with a total amount of up to 1 bn UZS; without official income, 1 loan of up to 750 mln UZS up to 60 mo. yes yes no
Asakabank Geely auto loan
Auto loans		 — 1 000 000 000 UZSno more than 75% of the car's value; with official income, up to 2 loans with a total amount of up to 1 bn UZS; without official income, 1 loan of up to 750 mln UZS up to 60 mo. yes yes no
Asakabank KAIYI auto loan
Auto loans		 — 1 000 000 000 UZSno more than 60% of the car's value; with official income, up to 2 loans with a total amount of up to 1 bn UZS; without official income, 1 loan of up to 750 mln UZS up to 60 mo. yes yes no
Asakabank Li Auto auto loan
Auto loans		 — 1 000 000 000 UZSno more than 60% of the car's value; with official income, up to 2 loans with a total amount of up to 1 bn UZS; without official income, 1 loan of up to 750 mln UZS up to 60 mo. yes yes no
Davr Bank ROODELL AUTO
Auto loans		 from 0% to 10% per annum depending on the down payment 500 000 000 UZS500 mln UZS up to 60 mo. — — no
Ipak Yuli Bank Microloan for self-employed
Microloans		 — 300 000 000 UZSup to 300 mln UZS up to 60 mo. yes — no
Trustbank Auto loan for the purchase of KIA, CHERY, HAVAL, CHANGAN cars
Auto loans		 rate from 0% to 18,5% per annum, the exact rate is not tied to the terms maximum amount is not specified on the page up to 60 mo. yes no yes

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Frequently asked questions

Which banks offer loans without collateral?

Without collateral: 58 loans from 18 banks: AVO Bank, Agrobank, Aloqabank, Anorbank, Apex Bank, Asia Alliance Bank, Business Development Bank, Davr Bank, Garant Bank, Hamkorbank, Hayot Bank, Ipak Yuli Bank, Ipoteka Bank, Orient Finans Bank, TBC Bank, Tenge Bank, Uzum Bank, Xalq Bank. By type: Microloans: 40, Installment plans: 5, Other loans: 5, Consumer loans: 5, Education loans: 3.

What is the lowest rate on a loan without collateral?

The lowest base rate in sum is 19% a year: “Green consumer”, Hamkorbank. A 0% rate (instalment plans and subsidised programmes) and education loans are not counted. The bank sets the final rate.

Can I get a loan without a guarantor?

Yes, banks explicitly say no guarantor is needed for 55 loans: Auto loans: 22, Microloans: 17, Mortgages: 8, Installment plans: 3, Consumer loans: 2, Other loans: 2, Secured loans: 1. Of these, 24 loans need no collateral.

Can I get a loan without proof of income?

Banks explicitly say no proof of income is needed for 32 loans: Auto loans: 13, Microloans: 9, Mortgages: 4, Other loans: 2, Installment plans: 2, Secured loans: 1, Consumer loans: 1. A bank may not ask for documents, but it still checks income and credit history using its own data, and having a job may be a condition.

Why is a loan not on this page?

This page lists only loans where the bank states the condition explicitly. Another 136 loans do not state whether collateral is needed: you can find them in the loan type sections.