UzObmen.com

Interest-free loans: where a 0% rate is available

Rates as of 23.10.2026More details

A 0% rate is available on 92 loans from 23 banks, and nearly all are targeted programmes: car loans and installments through bank partners with a sizeable down payment. Banks do not usually offer interest-free cash loans for any purpose.

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A loan may not actually be available to apply for, and the data on the bank’s website may be out of date.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

Loan calculator →

0% car loans 76

The 0% rate applies to certain options: the term and down payment are in the table. “Rate” is the main loan rate and may be above 0%.

Bank Loan Rate 0% term Down payment at 0% Amount up to Term Loan type How to apply
Asia Alliance Bank ASAKA MOTORS INTERNATIONAL 0%/year0% per annum for a term of up to 21 months with a down payment from 26% 30 mo. 26% Up to 74% of the car's value up to 30 mo. Auto loans in branch
Asia Alliance Bank Onix va Tracker 0%/year0% per annum for 36 months 58 mo. 25% Up to 75% of the car's value up to 58 mo. Auto loans in branch
Asia Alliance Bank UzAuto - Labo 0%/year0% per annum for a term of up to 22 months 22 mo. 25% Up to 75% of the car's value up to 22 mo. Auto loans in branch
Asia Alliance Bank Wuling Bardosh 0%/year0% per annum up to 42 months 42 mo. 50% Up to 50% of the car's value up to 42 mo. Auto loans in branch
Agrobank Milliy Avto muddatli to'lovi 0%/year0% per annum for 36 months 60 mo. 25% the cost of the car under the purchase and sale agreement less the down payment 30–60 mo. Auto loans
Anorbank Auto loan 4.0 Uz Auto Motors 0%/year0% per annum for a term of up to 60 months 60 mo. 25% 500 000 000 UZSup to 500 mln UZS up to 60 mo. Auto loans in branch, online
Asakabank Auto loan UzAuto Motors 0%/year0% per annum for 36 months with a 25% contribution 60 mo. 25% 1 000 000 000 UZSno more than 80% of the value; with official income, up to 2 loans with a total amount of up to 1 bn UZS 12–60 mo. Auto loans in branch
Business Development Bank BRB Avto Classic 0%/year0% per annum for 30 months with a 25% contribution 30 mo. 25% up to 75% of the car value 20–30 mo. Auto loans in branch
Business Development Bank Auto loan 0% 0%/year0% per annum for 36 months (Onix and Tracker) with a 25% down payment 58 mo. 25% up to 75% of the sale and purchase agreement amount 10–58 mo. Auto loans in branch
Davr Bank UzAuto 0%/year0% per annum for borrowers with official income 60 mo. 15% 500 000 000 UZSno more than 500 mln UZS 10–60 mo. Auto loans in branch
Hamkorbank Auto DAMAS 0%/year0% per annum for a term of up to 26 months 26 mo. 25% 600 000 000 UZSup to 600 mln UZS up to 26 mo. Auto loans in branch, online
Hamkorbank Auto UzAuto Motors 0%/year0% per annum for a term of up to 60 months 60 mo. 25% 600 000 000 UZSup to 600 mln UZS up to 60 mo. Auto loans in branch, online
InFinBank Promotion from UzAutoMotors 0%/year0% per annum for 36 months (ONIX/Tracker, down payment 25-29%) 60 mo. 25% depends on the car's value up to 60 mo. Auto loans in branch
Ipak Yuli Bank 0% auto loan for Leapmotor, Aito and GAC 0%/year0%* per annum for 36 months with a down payment from 40% 48 mo. 30% 950 000 000 UZSup to 950 000 000 UZS up to 48 mo. Auto loans in branch
Ipak Yuli Bank Auto loan for Chevrolet 0%/year0% per annum 60 mo. 25% 600 000 000 UZSup to 600 000 000 UZS 10–60 mo. Auto loans in branch
Ipak Yuli Bank Auto loan for Voyah cars 0%/year0% per annum 24 mo. — 950 000 000 UZSup to 950 000 000 UZS up to 24 mo. Auto loans in branch
Ipoteka Bank Super Chevy 0%/year0% per annum, term depends on the down payment amount 60 mo. 25% 480 000 000 UZSup to 480 mln UZS up to 60 mo. Auto loans in branch
Kapitalbank Qulay Nasiya (Cobalt) 0%/year0% per annum for a term of 18-36 months 36 mo. 30% 300 000 000 UZSup to 300 mln UZS 18–36 mo. Auto loans
Kapitalbank Reliable Start 10.0 0%/year0% per annum for the entire term 62 mo. 30% 300 000 000 UZSup to 300 mln UZS 30–62 mo. Auto loans
Kapitalbank Successful Business + 0%/year0% per annum (the term depends on the down payment) 34 mo. 25% 300 000 000 UZSup to 300 mln UZS 10–34 mo. Auto loans
Microcreditbank Auto loan UzAuto Motors 0%/year0% per annum for 36 months (Onix, Tracker-2, down payment 30%) 60 mo. 25% 880 000 000 UZSup to 880 mln UZS 10–60 mo. Auto loans in branch
National Bank of Uzbekistan (NBU) NBU auto loan for UzAuto Motors cars 0%/year0% per annum for 36 mo. with a 25% down payment (ONIX, Tracker) 60 mo. 25% 300 000 000 UZSup to 300 mln UZS (Labo up to 150 mln) up to 60 mo. Auto loans in branch, in the app
Orient Finans Bank BYD Carryover New 0%/year0% per annum 30 mo. 30% 800 000 000 UZSup to 800 mln UZS 12–30 mo. Auto loans in branch, online
Poytaxt Bank Milliy auto loan 0%/year0% per annum 60 mo. 25% per agreement 10–60 mo. Auto loans in branch
Uzpromstroybank (SQB) Uzavto-Imkon 0%/year0% per annum for a term of up to 36 months 60 mo. 25% up to 75% of the car value up to 60 mo. Auto loans in branch
Tenge Bank Auto loan - Drive TRACKER and ONIX 0%/year0% per annum with a down payment from 26% 60 mo. 26% 450 000 000 UZSup to 450 000 000 UZS 30–60 mo. Auto loans in branch
Tenge Bank Auto loan – Drive DAMAS 2.0 0%/year0% per annum with a down payment from 26% 36 mo. 26% 450 000 000 UZSup to 450 000 000 UZS 21–36 mo. Auto loans in branch
Tenge Bank Auto loan – Drive LABO 2.0 0%/year0% per annum with a down payment from 26% 27 mo. 26% 450 000 000 UZSup to 450 000 000 UZS 15–27 mo. Auto loans in branch
Turonbank Auto loan UzAuto Motors 0%/year0% per annum for 36 months (Onix, down payment 30%) 56 mo. 30% 824 000 000 UZSup to 2000 BCV (up to 824 mln UZS) 1–56 mo. Auto loans in branch, online
Xalq Bank Zero auto loan 0%/year0% per annum with a 30% down payment, term up to 60 months 60 mo. 30% 600 000 000 UZSup to 600 000 000 UZS up to 60 mo. Auto loans
Poytaxt Bank Roodell II auto loan 8%/year8% per annum for 36 months with a down payment of 25% 36 mo. 25% per agreement 12–60 mo. Auto loans in branch
Asakabank ADM Global III 8.5%/year8,5% per annum for 36 months with a 20% down payment 48 mo. 30% 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. Auto loans in branch
Uzpromstroybank (SQB) JAC-Avto imkon 11%/year11% per annum for a term of up to 36 months with a 30% down payment 24 mo. 30% up to 70% of the car value up to 60 mo. Auto loans in branch
Tenge Bank Auto loan - ROODELL 11%/year11,0% per annum for 36 months with a 30% contribution (ROODELL I, confirmed income) 48 mo. 30% 450 000 000 UZSup to 450 000 000 UZS 12–60 mo. Auto loans in branch, online
Ipoteka Bank Super Geely 11.5%/year11,5% per annum for 36 months with a down payment from 25% 12 mo. 25% 480 000 000 UZSup to 480 mln UZS 12–60 mo. Auto loans in branch
Microcreditbank Voyah auto loan 11.5%/year11,5% per annum for 36 months with a 25% down payment 33 mo. 25% 880 000 000 UZSup to 880 mln UZS 12–60 mo. Auto loans in branch
National Bank of Uzbekistan (NBU) Auto loan KIA 11.5%/year11,5% per annum for 36 mo. with a 25% down payment (ROODELL 7) 60 mo. 25% 1 000 000 000 UZSup to 1 bn UZS 12–60 mo. Auto loans in branch, in the app
Asia Alliance Bank DAMAS 12.5%/year12,5% per annum for 36 months 24 mo. 26% Up to 74% of the car's value up to 60 mo. Auto loans in branch
Aloqabank Auto loan UzAuto Motors 12.5%/year12.5% per annum for 36 months with a down payment of 25% (DAMAS, CAPTIVA) 60 mo. 25% not limited, but no more than 75% of the collateral value 11–60 mo. Auto loans in branch
Microcreditbank Geely Auto auto loan 12.5%/year12,5% per annum for 36 months with a 25% down payment 48 mo. 25% 880 000 000 UZSup to 880 mln UZS 12–60 mo. Auto loans in branch
National Bank of Uzbekistan (NBU) Auto loan for Alyans Auto cars 12.9%/year12,9% per annum for 36 mo. with a 25% contribution 24 mo. 40% 1 000 000 000 UZSup to 1 bn UZS 12–60 mo. Auto loans in branch, in the app
Orient Finans Bank Denza auto loan 13%/year13% per annum for 18 months with a 30% contribution 18 mo. 50% 800 000 000 UZSup to 800 mln UZS 12–18 mo. Auto loans in branch, online
Aloqabank Changan 13.5%/year13,5% per annum for 36 months with a 25% down payment 60 mo. 25% not limited, but no more than 75% of the collateral value 12–60 mo. Auto loans in branch
Aloqabank Haval 13.5%/year13,5% per annum for 36 months with a 25% down payment 60 mo. 25% not limited, but no more than 75% of the collateral value 12–60 mo. Auto loans in branch
Ipak Yuli Bank Auto loan for new Volkswagen cars 14%/year14% per annum for 36 months with a down payment from 25% 12 mo. 40% 950 000 000 UZSup to 950 000 000 UZS 12–60 mo. Auto loans in branch
Poytaxt Bank Roodell I auto loan 14%/year14% per annum for 36 months with a 25% down payment 24 mo. 25% per agreement 12–60 mo. Auto loans in branch
Asakabank ADM Global II 14.5%/year14,5% per annum for 36 months with a 20% down payment 36 mo. 30% 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. Auto loans in branch
Business Development Bank Milliy Avto 15%/year15% per annum for 36 months with a 25% contribution 20 mo. 30% up to 75% of the sale and purchase agreement amount 12–60 mo. Auto loans in branch
Asia Alliance Bank Autocenter 15.5%/year15,5% per annum for 36 months 34 mo. 25% Up to 75% of the car's value up to 60 mo. Auto loans in branch
Asia Alliance Bank ROODELL I 15.5%/year15,5% per annum for 36 months 48 mo. 25% Up to 75% of the car's value up to 60 mo. Auto loans in branch
Aloqabank Avto Premium 15.5%/year15,5% per annum for 36 months with a 25% down payment 60 mo. 25% not limited, but no more than 75% of the collateral value 12–60 mo. Auto loans in branch
Ipoteka Bank Super Evolution 15.5%/year15,5% per annum for 36 months with a down payment from 25% 12 mo. 25% 480 000 000 UZSup to 480 mln UZS 12–60 mo. Auto loans in branch
Poytaxt Bank Auto loan Avto Plus-R 15.5%/year15,5% per annum for 36 months with a 25% down payment 34 mo. 25% the amount is determined by the purchase and sale agreement less the down payment 12–60 mo. Auto loans in branch
National Bank of Uzbekistan (NBU) Changan auto loan 16%/year16% per annum for 36 mo. with a 40% down payment (standard terms) 12 mo. 40% 500 000 000 UZSup to 500 mln UZS 12–60 mo. Auto loans in branch, in the app
Turonbank Auto loan Roodell avto 16%/year16% per annum for 36 months with a 30% down payment 36 mo. 30% 824 000 000 UZSup to 2000 BCV (up to 824 mln UZS) 1–60 mo. Auto loans in branch, online
Asia Alliance Bank HYUNDAI AUTO ASIA 16.2%/year16,2% per annum for 36 months 24 mo. 30% Up to 70% of the car's value up to 60 mo. Auto loans in branch
Asia Alliance Bank HAVAL 16.5%/year16,5% per annum for 36 months 24 mo. 25% Up to 75% of the car's value up to 60 mo. Auto loans in branch
Turonbank Evolution Motors auto loan 16.8%/year16,8% per annum for 36 months with a 30% down payment 24 mo. 30% 824 000 000 UZSup to 2000 BCV (up to 824 mln UZS) 1–60 mo. Auto loans in branch, online
Ipoteka Bank Super Cobalt 17%/year17% per annum for 36 months with a 25% contribution 12 mo. 60% 480 000 000 UZSup to 480 mln UZS 12–60 mo. Auto loans in branch
Poytaxt Bank ROODELL auto loan 17.5%/year17,5% per annum for 36 months with a 25% down payment 18 mo. 30% per agreement 12–60 mo. Auto loans in branch
Asakabank ADM Global I 18%/year18,0% per annum for 36 months with a 20% down payment 36 mo. 30% 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. Auto loans in branch
Business Development Bank Eco Drive auto loan 18%/year18% per annum for 36 months with a 25% down payment (BYD Yuan Up EV) 36 mo. 25% up to 75% of the car value under the contract 12–60 mo. Auto loans in branch
Ipak Yuli Bank Auto loan for Lixiang 18%/year18% per annum for 36 months with a 30% contribution 12 mo. 60% 950 000 000 UZSup to 950 000 000 UZS up to 60 mo. Auto loans in branch
Kapitalbank Economy start (Cobalt) 18%/year18% per annum for 36 months with a 25% contribution 13 mo. 50% 300 000 000 UZSup to 300 mln UZS 10–60 mo. Auto loans
Asia Alliance Bank CHANGAN 18.5%/year18,5% per annum for 36 months 24 mo. 30% Up to 75% of the car's value up to 60 mo. Auto loans in branch
Asia Alliance Bank ROODELL 18.5%/year18,5% per annum for 36 months 24 mo. 30% Up to 75% of the car's value up to 60 mo. Auto loans in branch
Asia Alliance Bank Changan-Deepal 19%/year19% per annum for 36 months 12 mo. 50% Up to 75% of the car's value up to 60 mo. Auto loans in branch
Microcreditbank ADM GLOBAL auto loan 19%/year19,0% per annum for 36 months with a 25% down payment 60 mo. 25% 880 000 000 UZSup to 880 mln UZS 12–60 mo. Auto loans in branch
Microcreditbank Jetour - Soueast auto loan 19%/year19,0% per annum for 36 months with a 25% down payment 60 mo. 25% 880 000 000 UZSup to 880 mln UZS 12–60 mo. Auto loans in branch
Ipoteka Bank Super DongFeng 20%/year20% per annum for 36 months with a down payment from 25% 12 mo. 50% 480 000 000 UZSup to 480 mln UZS 12–60 mo. Auto loans in branch
National Bank of Uzbekistan (NBU) Haval auto loan 20%/year20% per annum for 36 mo. with a 30% down payment 12 mo. 50% 500 000 000 UZSup to 500 mln UZS 12–60 mo. Auto loans in branch, in the app
Asia Alliance Bank JETOUR - SOUEAST 21%/year21% per annum for 36 months 12 mo. 50% Up to 75% of the car's value up to 60 mo. Auto loans in branch
Ipoteka Bank Super BYD 21.9%/year21,9% per annum with a down payment from 25% (SBYD-1 program) 12 mo. 25% 480 000 000 UZSup to 480 mln UZS 12–60 mo. Auto loans in branch
Davr Bank ROODELL 15 from 0% to 10,9% per annum depending on the term and down payment 60 mo. 25% 600 000 000 UZSup to 600 mln UZS up to 60 mo. Auto loans
Garant Bank Yengil — 22 mo. 30% 600 000 000 UZSup to 600 000 000 UZS up to 60 mo. Auto loans in branch
Hamkorbank Auto JAC — 29 mo. 30% 600 000 000 UZSup to 600 mln UZS up to 60 mo. Auto loans in branch, online

Interest-free installments 7

This is usually a purchase from a bank partner or an installment card: see the conditions on the bank page.

Bank Loan Rate 0% term Down payment at 0% Amount up to Term Loan type How to apply
Agrobank Open installment card 0%/yearinterest-free (0%), 12-month schedule for each transaction 12 mo. 0% 82 400 000 UZSup to 82,4 mln UZS up to 12 mo. Installment plans in the app
Anorbank ANOR nasiya 0%/year0% on purchases in the partner network — — 50 000 000 UZSrevolving limit of up to 50 mln UZS up to 24 mo. Installment plans in the app
Ipak Yuli Bank Interest-free instalment plan at Medion 0%/year0% per annum for 12 months 12 mo. — 200 000 000 UZSup to 200 000 000 UZS up to 12 mo. Installment plans in branch
Ipak Yuli Bank Interest-free installment plan for Asialuxe Travel tours 0%/year0% per annum for 6 months 6 mo. — 80 000 000 UZSup to 80 000 000 UZS up to 6 mo. Installment plans
Kapitalbank Kapitalbankdan Qulay Nasiya I 0%/year0% per annum for a term of 24-48 months 48 mo. 20% 300 000 000 UZSup to 300 mln UZS 24–48 mo. Installment plans
Xalq Bank Nasiya 0%/year0% per annum (interest-free) for a term of up to 36 months 36 mo. — 40 000 000 UZSup to 40 000 000 UZS up to 36 mo. Installment plans
Xalq Bank OPEN installment plan 0%/year0% per annum for a term of up to 12 months 12 mo. — 30 000 000 UZSup to 30 000 000 UZS up to 12 mo. Installment plans in the app

Mortgages, education and other loans 9

Preferential programmes and promotions with conditions: who gets the 0% rate is stated with the loan on the bank page.

Bank Loan Rate 0% term Down payment at 0% Amount up to Term Loan type How to apply
Apex Bank APEX - MAKANI 0%/year0% per annum 60 mo. 30% based on solvency, but no more than 70% of the contract value of the apartment 12–60 mo. Mortgages in branch
Apex Bank Apex Refresh 0%/year0% per annum 36 mo. 20% 500 000 000 UZSup to 500 000 000 UZS up to 36 mo. Mortgages in branch
Apex Bank HORIZON mortgage 0%/year0% per annum 60 mo. 30% — 12–60 mo. Mortgages in branch
Microcreditbank For women's education 0%/year0% per annum for the borrower 180 mo. — per contract (the amount stated in the agreement) 1–180 mo. Education loans in branch
Orient Finans Bank Interest-free mortgage for a new-build property 0%/year0% per annum for 60 months 60 mo. 30% 500 000 000 UZSup to 500 mln UZS 12–60 mo. Mortgages in branch, online
Business Development Bank Educational 14%/year14% per annum (Central Bank rate) 48 mo. — up to 100% of the contract value — Education loans in branch, in the app
Business Development Bank Online education 14%/year14% per annum 48 mo. — 82 400 000 UZSup to 82,4 mln UZS up to 84 mo. Education loans in the app, online
Turonbank Education loans 14%/year14% per annum — 0% under the tuition payment contract 60–120 mo. Education loans in branch, online
Uzum Bank Microloan to Uzum card promo 0% for 30 days under the promotion, then Uzum Nasiya platform fee from 28% to 44% 1 mo. — 25 000 000 UZSup to 25 mln UZS up to 12 mo. Microloans in the app

Installment plans →

Auto loans →

← Loans

Frequently asked questions

Can I get an interest-free loan?

Yes, but mostly for a specific purchase. A 0% rate is available on 92 loans from 23 banks: car loans — 76, installments — 7, other loans — 9. Banks do not usually offer interest-free cash loans for any purpose.

What down payment does a 0% car loan require?

The median lowest down payment at 0% is 25%, and the lowest is 15%. Usually a larger down payment means the 0% rate lasts longer.

Which banks offer a 0% rate?

23 banks list a 0% rate: Agrobank, Aloqabank, Anorbank, Apex Bank, Asakabank, Asia Alliance Bank, Business Development Bank, Davr Bank, Garant Bank, Hamkorbank, InFinBank, Ipak Yuli Bank, Ipoteka Bank, Kapitalbank, Microcreditbank, National Bank of Uzbekistan, Orient Finans Bank, Poytaxt Bank, Tenge Bank, Turonbank, Uzpromstroybank, Uzum Bank, Xalq Bank.

What is the catch with a 0% loan?

A 0% rate does not mean the loan costs nothing: there may be a high down payment, a short term, purchase only from a bank partner, a price without a discount, fees and insurance. Compare the total paid with buying without a loan.