UzObmen.com

Microfinance organizations (MFO) in Uzbekistan

Updated: 05.11.2026More details

MFOs are non-bank lenders licensed by the Central Bank: they give small loans and instalments, often online, fast and without collateral. The Central Bank register lists 136 organizations as of 05.11.2026.

This page lists the organizations from the Central Bank register and the loan terms of those that publish them on their own websites. We do not lend: loans are arranged on the organization’s website or in its app.

Loan terms

Only organizations that publish their terms on their own websites. The rate is per year; if an organization states a daily rate it is multiplied by 365 (the original wording is in the comment). Terms may change: check the organization’s website.

Organization Loan Rate, % per year Per day, % Amount Term How to apply Source
AGAT CREDIT Loans for individuals
The website states a rate “up to 55% a year”; the exact rate is not published. Late-payment penalty is 1% a day, capped at 50%.		 up to 55 — 3 000 000–100 000 000 UZS 3–120 months website, office terms
AGAT CREDIT Loans for self-employed
The website states a rate “up to 55% a year”; the exact rate is not published. Late-payment penalty is 1% a day, capped at 50%.		 up to 55 — 3 000 000–300 000 000 UZS 3–120 months website, office terms
APEX MOLIYA Murabaha
Islamic financing: there is no interest, the organization states an expected return instead of a rate. The period of the return is not stated on the website.		 20–25 — from 5 000 000 UZS 6–60 months terms
APEX MOLIYA Ijara
Islamic financing: there is no interest, the organization states an expected return instead of a rate. The period of the return is not stated on the website.		 20–25 — from 5 000 000 UZS 13–60 months terms
APEX MOLIYA Salam
Islamic financing: there is no interest, the organization states an expected return instead of a rate. The period of the return is not stated on the website.		 20–25 — from 5 000 000 UZS 6–60 months terms
APEX MOLIYA Mudaraba
Islamic financing: there is no interest, the organization states an expected return instead of a rate. The period of the return is not stated on the website.		 20–25 — from 5 000 000 UZS 6–60 months terms
APEX MOLIYA Musharaka
Islamic financing: there is no interest, the organization states an expected return instead of a rate. The period of the return is not stated on the website.		 25–30 — from 5 000 000 UZS 6–60 months terms
CONTACT FINANCE Microloan terms
The website only states a rate “from 30% a year”; the exact rate and fees are not published.		 from 30 — 5 000 000–300 000 000 UZS up to 1 095 days website terms
KORONA Unsecured general-purpose microloan
The documents state “35.95 / 109.5” without explanation; 109.5% a year equals 0.3% a day. Late-payment penalty is 1.5% a day plus a one-time 5% charge (at least 50,000 UZS). If repaid in full within the first 7 days, no interest is charged (by individual offer).		 35.95–109.5 — 250 000–20 000 000 UZS 3 months app terms
KORONA Microloan with a credit limit
The tranche rate is 109.5% a year. Late-payment penalty is 1.5% a day plus a one-time 5% charge (at least 50,000 UZS). If repaid in full within the first 7 days, no interest is charged (by individual offer).		 109.5 — 100 000–5 000 000 UZS 3 months app terms
MULTIFINANCE Microloan for individuals
The website states a rate “from 27% a year”; the upper limit and tariffs are not published.		 from 27 — 1 000 000–100 000 000 UZS 30–1 095 days office terms
MULTIFINANCE Loan for taxi drivers
0.3% a day for 14 days; for drivers of partner taxi services.		 109.5 0.30 750 000–2 000 000 UZS 14 days app terms
NAYUTA General-purpose microloan without collateral or guarantors, up to 20 million UZS, up to 9 months
The rate is shown on the website as an image captioned “per year”.		 61 — up to 20 000 000 UZS up to 9 months office, website terms
NAYUTA Purpose-specific microloan, up to 30 million UZS, up to 9 months
The rate is shown on the website as an image captioned “per year”.		 57 — up to 30 000 000 UZS up to 9 months office, website terms
NAYUTA General-purpose microloan against collateral or a guarantee, up to 100 million UZS, up to 9 months
The rate is shown on the website as an image captioned “per year”.		 61 — up to 100 000 000 UZS up to 9 months office, website terms
TASHDI Microloan
72% a year according to the website (about 0.2% a day, 6% a month). Arranged at the office.		 72 0.20 — 1–365 days office terms
TBC CREDIT TBC Kredit
Maximum under the promotion rules; the exact rate is set by scoring. Available only in the TBC UZ app.		 up to 49 — up to 100 000 000 UZS — app terms
TEZCOIN Microloan to a UZUM card
“Foizsiz davr” promotion until 31.12.2026: no interest is charged, but the client pays a 5% Uzum Bank fee; a 3% penalty applies for late payment. What happens after the promotion is not stated.		 0 — up to 25 000 000 UZS — app terms

Central Bank register of MFOs

List from the Central Bank register as of 05.11.2026. The register has no websites, phones or rates: a website link is shown only if ownership is confirmed by tax ID or licence. Being in the register is not an assessment of an organization’s terms.

Organization CB licence Tax ID Region Website and phone Loan terms
AGAT CREDIT №53
of 15.12.2018		 304463924 Tashkent city agatcredit.uz
1420 		2
APEX MOLIYA №108
of 02.03.2024		 311084436 Tashkent city apexmoliya.uz/ru
+998555103333 		5
CONTACT FINANCE №113
of 30.07.2024		 311426602 Andijan region contactfinance.uz
+998552025002 		1
KORONA №73
of 21.12.2019		 306612784 Tashkent city korona.uz
1389 		2
MULTIFINANCE №142
of 03.06.2025		 310457533 Tashkent city mfinance.uz
+998555880120 		2
NAYUTA №97
of 27.10.2022		 309553151 Tashkent city nayuta.uz
+998 55 511-33-32 		3
TASHDI №107
of 06.02.2024		 310781764 Tashkent city tashdi-credit.uz
+998994660440 		1
TBC CREDIT №135
of 28.02.2025		 311554705 Tashkent city tbccredit.uz/ru
+998787771212 		1
TEZCOIN №96
of 07.10.2022		 309763555 Tashkent city — 1
ADL MOLIYA MMT №156
of 23.12.2025		 312491104 Tashkent city — not collected
AL BAROT MIKROMOLIYA TASHKILOTI №8
of 09.11.2007		 300556415 Fergana region — not collected
ALFA MIKROMOLIYA TASHKILOTI №21
of 04.06.2008		 206952475 Tashkent city — not collected
ALMIZAN MIKROMOLIYA TASHKILOTI №130
of 07.02.2025		 311710882 Tashkent city — not collected
ALOQA FINANCE DEVELOPMENT MIKROMOLIYA TASHKILOTI №129
of 07.02.2025		 311871160 Tashkent city — not collected
ANSOR MIKROMOLIYA TASHKILOTI №114
of 17.08.2024		 311217807 Tashkent city — not collected
ASAKA FINANCE GARANT MIKROMOLIYA TASHKILOTI №124
of 07.02.2025		 311803196 Tashkent city — not collected
ASIA INVEST MIKROMOLIYA TASHKILOTI №93
of 16.07.2022		 309268086 Bukhara region — not collected
ASR MIKROMOLIYA TASHKILOTI №84
of 10.07.2021		 308276229 Andijan region — not collected
AVO FINANCE №158
of 23.12.2025		 312503252 Tashkent city — not collected
AVTOGAZ FINANS LYUKS MIKROMOLIYA TASHKILOTI №64
of 13.07.2019		 306360933 Fergana region — not collected
AYOL №144
of 02.07.2025		 311982893 Tashkent city — not collected
AZIYA BIZNES MIKROMOLIYA TASHKILOTI №44
of 25.04.2016		 303445812 Namangan region — not collected
BARAKA MADAD FINANCE MIKROMOLIYA TASHKILOTI №58
of 13.04.2019		 305918767 Namangan region — not collected
BARAKAT MIKROMOLIYA TASHKILOTI №9
of 09.11.2007		 300471474 Surkhandarya region — not collected
BARQAROR SARMOYA GROUP MIKROMOLIYA TASHKILOTI №89
of 20.01.2022		 308843424 Tashkent city — not collected
BETTA GAMMA INVEST MIKROMOLIYA TASHKILOTI №52
of 18.08.2018		 303569372 Bukhara region — not collected
BIZNES FINANS MIKROMOLIYA TASHKILOTI №46
of 22.04.2017		 207135350 Tashkent city — not collected
BIZNESGA KO'MAKLASHISH MIKROMOLIYA TASHKILOTI №136
of 20.03.2025		 311957037 Tashkent city — not collected
BIZNESNI RIVOJLANTIRISH MIKROMOLIYA TASHKILOTI №127
of 07.02.2025		 311801555 Tashkent city — not collected
BOYLIK FINANCE MIKROMOLIYA TASHKILOTI №34
of 17.04.2010		 301362704 Tashkent region — not collected
BRIGHT FUTURE FINANCING MIKROMOLIYA TASHKILOTI №137
of 05.04.2025		 311976765 Tashkent city — not collected
BV FINANS INVEST MIKROMOLIYA TASHKILOTI №26
of 18.12.2008		 300945381 Bukhara region — not collected
CASH POINT №132
of 07.02.2025		 311675207 Tashkent city — not collected
CASH U MIKROMOLIYA TASHKILOTI №62
of 22.06.2019		 306365973 Tashkent city — not collected
CENTRAL CAPITAL CREDIT MIKROMOLIYA TASHKILOTI №86
of 07.08.2021		 308339361 Tashkent city — not collected
CHINOR FINANCE №110
of 04.05.2024		 311172864 Fergana region — not collected
CHUST RIR MIKROMOLIYA TASHKILOTI №59
of 18.05.2019		 305747885 Namangan region — not collected
CLEVER MIKROMOLIYA TASHKILOTI №61
of 22.06.2019		 306365847 Tashkent city — not collected
COMMUNITY MICROFINANCE MIKROMOLIYA TASHKILOTI №145
of 02.07.2025		 312191604 Tashkent city — not collected
DARROWMAD №154
of 29.11.2025		 312510309 Tashkent city — not collected
DELTA MIKROMOLIYA TASHKILOTI №28
of 16.05.2009		 301031980 Tashkent city — not collected
DYNAMIC CREDIT SOLUTIONS MIKROMOLIYA TASHKILOTI №146
of 02.07.2025		 312192769 Tashkent city — not collected
EASY FINANS MIKROMOLIYA TASHKILOTI №77
of 23.07.2020		 307479728 Tashkent city — not collected
EHTIROM PLUS MIKROMOLIYA TASHKILOTI №1
of 26.05.2007		 300391954 Fergana region — not collected
ENTERPRICE FINANCE MIKROMOLIYA TASHKILOTI №133
of 28.02.2025		 311763137 Namangan region — not collected
EVRIKA KAPITAL №35
of 24.07.2010		 301549422 Khorezm region — not collected
FANAVVD MIKROMOLIYA TASHKILOTI №141
of 03.06.2025		 311995670 Tashkent city — not collected
FAROVON HAYOT MIKROMOLIYA TASHKILOTI №102
of 19.11.2022		 309454987 Namangan region — not collected
FAST FINANCING SERVICE MIKROMOLIYA TASHKILOTI №78
of 22.08.2020		 307115451 Khorezm region — not collected
FINANCE PARTNER MIKROMOLIYA TASHKILOTI №68
of 24.08.2019		 306446168 Fergana region — not collected
FINANZA №134
of 28.02.2025		 311571954 Tashkent city — not collected
FINCOM INVEST MIKROMOLIYA TASHKILOTI №150
of 24.10.2025		 312356239 Tashkent city — not collected
FLASH MONEY FINANCE MIKROMOLIYA TASHKILOTI №121
of 28.12.2024		 311686991 Tashkent city — not collected
FORTUNA BIZNES MIKROMOLIYA TASHKILOTI №50
of 12.05.2018		 303863499 Fergana region — not collected
FUNDFLOW MIKROMOLIYA TASHKILOTI №147
of 02.07.2025		 311979413 Tashkent city — not collected
GARANT-INVEST MIKROMOLIYA TASHKILOTI №15
of 05.02.2008		 206933435 Tashkent region — not collected
GOLDEN CAPITAL INVEST MIKROMOLIYA TASHKILOTI №111
of 18.05.2024		 311296267 Andijan region — not collected
GRAND MAX GOLD MIKROMOLIYA TASHKILOTI №71
of 23.11.2019		 306185880 Fergana region — not collected
GROW FINANCE №149
of 12.09.2025		 312249663 Tashkent city — not collected
HAMROH MIKROMOLIYA TASHKILOTI №47
of 14.04.2018		 302167748 Fergana region — not collected
HAYOT INVEST MIKROMOLIYA TASHKILOTI №69
of 09.11.2019		 207135715 Tashkent city — not collected
IMKON FINANS MIKROMOLIYA TASHKILOTI №40
of 16.05.2015		 302096393 Andijan region — not collected
IMPACT FINANCE LEADERS №143
of 03.06.2025		 311965329 Tashkent city — not collected
INTELLECT CAPITAL №163
of 02.06.2026		 313029912 Tashkent city — not collected
INTERAKTIV PROGRESS №48
of 14.04.2018		 304811142 Tashkent city — not collected
INVEST HAMKOR MIKROMOLIYA TASHKILOTI №55
of 13.04.2019		 305837307 Fergana region — not collected
ISHONCH EFFEKT KREDIT MIKROMOLIYA TASHKILOTI №38
of 21.09.2013		 302126663 Жиззахская область — not collected
ISHONCH MIKROFINANCE MIKROMOLIYA TASHKILOTI №67
of 03.08.2019		 306349675 Tashkent city — not collected
ISHONCHLI MABLAG’ MIKROMOLIYA TASHKILOTI №42
of 12.09.2015		 302572940 Fergana region — not collected
ISTIQBOL INVEST GROUP MIKROMOLIYA TASHKILOTI №36
of 24.08.2010		 207080699 Tashkent city — not collected
KAFOLAT KREDIT GROUP MIKROMOLIYA TASHKILOTI №70
of 09.11.2019		 306771169 Tashkent city — not collected
KAFOLATLI SARMOYA MIKROMOLIYA TASHKILOTI №5
of 25.10.2007		 300469626 Bukhara region — not collected
KAPITAL PLUS MIKROMOLIYA TASHKILOTI №4
of 05.10.2007		 206918168 Tashkent city — not collected
KELAJAK UMIDI MIKROMOLIYA TASHKILOTI №43
of 27.02.2016		 303348971 Fergana region — not collected
KREDITOMAT TASHKENT MIKROMOLIYA TASHKILOTI №74
of 16.01.2020		 306870963 Tashkent city — not collected
LIME MIKROMOLIYA TASHKILOTI №106
of 06.02.2024		 310847482 Tashkent city — not collected
MABRUK FINANCE MIKROMOLIYA TASHKILOTI №90
of 14.05.2022		 309432982 Tashkent city — not collected
MADOR LIFE KOKAND MIKROMOLIYA TASHKILOTI №57
of 13.04.2019		 305930785 Fergana region — not collected
MAQSAD FINANCE MIKROMOLIYA TASHKILOTI №91
of 10.06.2022		 309464659 Fergana region — not collected
MICROFINANCE SERVICE №126
of 07.02.2025		 311802499 Tashkent city — not collected
MIKROMOLIYA TASHKILOTI ELIT MIKROFINANS №81
of 27.03.2021		 306458477 Tashkent city — not collected
MIKROMOLIYA TASHKILOTI OASISCREDIT №95
of 13.08.2022		 308931085 Tashkent city — not collected
MIKROMOLIYA TASHKILOTI SILVER FINANCE №100
of 19.11.2022		 309243047 Andijan region — not collected
MILLIY MIKROMOLIYA TASHKILOTI №122
of 07.02.2025		 311806248 Tashkent city — not collected
MUVAFFAQIYAT MIKROMOLIYA TASHKILOTI №138
of 05.04.2025		 311939991 Tashkent city — not collected
NEO SOLUTION MIKROMOLIYA TASHKILOTI №148
of 02.07.2025		 311991724 Tashkent city — not collected
OLMALIQ ZAMIN KREDIT MIKROMOLIYA TASHKILOTI №56
of 13.04.2019		 305909080 Tashkent region — not collected
OLMOS FINANCE №159
of 11.02.2026		 312576241 Tashkent city — not collected
OLTIN YULDUZ PLUS MIKROMOLIYA TASHKILOTI №14
of 26.01.2008		 300522379 Fergana region — not collected
ON DINOR KREDIT №87
of 09.08.2021		 308576661 Tashkent city — not collected
OSON MOLIYA №160
of 11.02.2026		 312675633 Tashkent city — not collected
PAYLATER MIKROMOLIYA TASHKILOTI №101
of 19.11.2022		 309776769 Tashkent city — not collected
PERSPECTIVE GLOBAL INVEST MIKROMOLIYA TASHKILOTI №75
of 27.06.2020		 306649800 Tashkent city — not collected
PRESTIGE MOLIYA №162
of 12.05.2026		 312811527 Tashkent city — not collected
PRIME SARMOYA №161
of 11.02.2026		 312297770 Tashkent city — not collected
PRIZMA KAPITAL №157
of 23.12.2025		 312481757 Fergana region — not collected
PROFIT TREND MIKROMOLIYA TASHKILOTI №83
of 08.05.2021		 308064674 Khorezm region — not collected
PUL BOR MIKROMOLIYA TASHKILOTI №99
of 19.11.2022		 309721132 Bukhara region — not collected
PULLOL BUSINESS MIKROMOLIYA TASHKILOTI №105
of 12.08.2023		 310430149 Tashkent city — not collected
PULMAN MIKROMOLIYA TASHKILOTI №54
of 16.02.2019		 305762322 Tashkent city — not collected
QAMASHI KAPITAL INVEST MIKROMOLIYA TASHKILOTI №33
of 23.01.2010		 301255955 Кашкадаринская область — not collected
QANOT FINANS MIKROMOLIYA TASHKILOTI №152
of 24.10.2025		 312294364 Khorezm region — not collected
QIZILDOSH MIKROMOLIYA TASHKILOTI №49
of 14.04.2018		 302106165 Khorezm region — not collected
RENESANS MIKROMOLIYA TASHKILOTI №12
of 01.12.2007		 300515648 Tashkent region — not collected
ROHAT MIKROMOLIYA TASHKILOTI №104
of 12.08.2023		 310623065 Tashkent city — not collected
SABR MIKROMOLIYA TASHKILOTI №3
of 24.08.2007		 300066954 Samarkand region — not collected
SAFARI ARENA FINANCE MIKROMOLIYA TASHKILOTI №118
of 12.12.2024		 311259826 Fergana region — not collected
SALAM-FINANCE №94
of 13.08.2022		 309490975 Khorezm region salamfinance.uz
+998 91 277 00 99 		not collected
SAM FINANCE POWER MIKROMOLIYA TASHKILOTI №112
of 08.06.2024		 311163187 Samarkand region — not collected
SARMISHSOY PLYUS INVEST MIKROMOLIYA TASHKILOTI №66
of 03.08.2019		 306114540 Navoi region — not collected
SARMOYACHI GROUP №116
of 31.10.2024		 311531529 Tashkent city — not collected
SHAFFOF-MOLIYA №98
of 27.10.2022		 309888526 Tashkent city — not collected
SILVER STONE STANDART MIKROMOLIYA TASHKILOTI №76
of 23.07.2020		 307457858 Fergana region — not collected
SIRIUS KREDIT №115
of 05.10.2024		 311094194 Tashkent city — not collected
SMART BUSINESS KREDIT FINANS MIKROMOLIYA TASHKILOTI №80
of 22.10.2020		 307596488 Andijan region — not collected
SQB MIKROMOLIYA TASHKILOTI №125
of 07.02.2025		 311804829 Bukhara region — not collected
TASFINANCE MIKROMOLIYA TASHKILOTI №88
of 15.12.2021		 308873277 Tashkent city — not collected
TAYAN №131
of 07.02.2025		 311780726 Tashkent city — not collected
TEZPUL ONLINE MIKROMOLIYA TASHKILOTI №117
of 31.10.2024		 311441861 Navoi region — not collected
TRAST-INVEST MIKROMOLIYA TASHKILOTI №25
of 18.12.2008		 206973402 Namangan region — not collected
TURON MIKROMOLIYA №128
of 07.02.2025		 311809654 Tashkent city — not collected
UNA MOLIYA №120
of 28.12.2024		 311431122 Tashkent city — not collected
URBAN FINANCE SOLUTIONS MIKROMOLIYA TASHKILOTI №139
of 05.04.2025		 311943592 Tashkent city — not collected
URGANCH DIAMOND MIKROMOLIYA TASHKILOTI №63
of 13.07.2019		 305731899 Khorezm region — not collected
VAFO MOLIYA №151
of 24.10.2025		 311818232 Tashkent city — not collected
VODIY TARAQQIYOT MIKROMOLIYA TASHKILOTI №41
of 25.07.2015		 303056949 Fergana region — not collected
XALQ MIKROMOLIYA TASHKILOTI №123
of 07.02.2025		 311806500 Tashkent city — not collected
XON SAROY MOLIYA №140
of 05.04.2025		 311979025 Tashkent city — not collected
YANGI FINANCE MIKROMOLIYA TASHKILOTI №92
of 18.06.2022		 309612631 Tashkent city — not collected
YENGIL KREDIT MIKROMOLIYA TASHKILOTI №27
of 23.01.2009		 206976595 Tashkent region — not collected
YORQIN KELAJAK MIKROMOLIYA TASHKILOTI №60
of 22.06.2019		 305122414 Fergana region — not collected
YUUSUF INVEST BARAKA MIKROMOLIYA TASHKILOTI №164
of 02.06.2026		 312704968 Fergana region — not collected
ZAMONDOSH MIKROMOLIYA TASHKILOTI №85
of 10.07.2021		 308491476 Fergana region — not collected
ZAYMLY №153
of 29.11.2025		 312500154 Tashkent city — not collected
ZAYTUN MOLIYA №155
of 29.11.2025		 312501374 Tashkent city — not collected
ZOODPAY №45
of 28.12.2016		 303409318 Tashkent city www.zood.biz
+998712090076 		not collected

MFOs by region

By the organization’s address in the register.

Frequently asked questions

How is an MFO different from a bank?

An MFO is a non-bank organization licensed by the Central Bank: it lends, but does not take deposits or keep accounts like a bank. MFO loans are usually small, quick and unsecured; in return the rate is usually higher than at a bank.

How to check that an MFO is legitimate?

Find the organization in the Central Bank register (the table above): the name, tax ID and licence number must match. If it is not in the register, it may not lend as an MFO.

How to get the annual rate if an MFO states a daily rate?

Multiply the daily rate by 365: 0.2% a day is 73% a year. Ask the organization for the full cost of the loan in UZS and the payment schedule before signing.

How many MFOs are there in Uzbekistan?

The Central Bank register lists 136 organizations as of 05.11.2026. The register keeps growing: new organizations receive licences regularly.