Loan refinancing: bank terms compared
Rates as of 23.10.2026More details
Loan refinancing are offered by 7 banks: 10 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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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 |
|---|---|---|---|---|---|---|---|---|
 Kapitalbank |
Mortgage loan refinancing residents only | 21%/year21% per annum for a term of up to 120 months | 21%/year21% per annum | 1 000 000 000 UZSup to 1 bn UZS | 12–120 mo. | — | yes | in branch |
 Agrobank |
Arzon ipoteka | 21.5%/year21,5% per annum from the funds of the Mortgage Refinancing Company | 21.5%/yearfrom 21,5% | 1 000 000 000 UZSup to 1 bn UZS in Tashkent, up to 550 mln UZS in the regions (at the Company's expense); not limited from the bank's funds | 6–240 mo. | no down paymentno down payment required | yes | in branch |
 Uzpromstroybank (SQB) |
Transfer of loan debt | 23%/year23% per annum for a term of up to 7 years | 23%/yearfrom 23% per annum | outstanding debt under the original contract | up to 180 mo. | — | yes | in branch |
 Ipak Yuli Bank |
Auto loan refinancing | 23.9%/yearnot lower than 23,9% per annum for a term of up to 36 months | 20.9%/yearfrom 20,9% | 800 000 000 UZSup to 800 000 000 UZS | up to 60 mo. | — | — | in branch |
 Aloqabank |
Mortgage refinancing | 24%/year24% per annum | 24%/year24% per annum | 800 000 000 UZSno more than 800 mln UZS and no more than the balance of the refinanced loan | up to 240 mo. | no down paymentno down payment required | yes | in branch |
| Agrobank |
Arzon microloan | 26%/year26% per annum for 36 months | 25%/yearfrom 25% for 2 years | 100 000 000 UZSup to 100 mln UZS | 24–60 mo. | — | — | in branch |
| Ipak Yuli Bank |
Loan refinancing with a guarantor | 26%/yearnot lower than 26% per annum | 22.9%/yearfrom 22,9% | 100 000 000 UZSup to 100 000 000 UZS | up to 36 mo. | — | — | in branch |
| Ipak Yuli Bank |
Refinancing of a loan with collateral | 26.5%/yearnot lower than 26,5% per annum for a term of up to 36 months | 22.9%/yearfrom 22,9% | 100 000 000 UZSup to 100 000 000 UZS | up to 60 mo. | — | yes | in branch |
 Octobank |
Octo Restart online | 28.9%/year28,9% per annum for a term of up to 60 months | 24.9%/year24,9% per annum | 100 000 000 UZSup to 100 mln UZS | up to 60 mo. | — | yes | online |
 Apex Bank |
Restart | 31%/year31% per annum for a term of 25–36 months | 29%/yearfrom 29% per annum | 100 000 000 UZSup to 100 mln UZS inclusive | 6–36 mo. | — | — | in branch |