Autoloans from Aloqabank — vehicle loan from a bank in Uzbekistan

Autoloan «Changan»

Auto loan

For the purchase of motor vehicles sold by “CHANGAN AUTO DISTRIBUTION” LLC on the primary market.

0%-17,9%

Interest rate

Up to 5 years

Credit term

unlimited

Loan amount

About loan

Loan Purpose

For the purchase of motor vehicles sold by “CHANGAN AUTO DISTRIBUTION” LLC on the primary market.

Loan Term, Down Payment and Loan Interest

JSC “Aloqabank” and “CHANGAN 4”:

Down payment amount (relative to the vehicle price)	Loan term (without a grace period) and interest rate
Down payment amount (relative to the vehicle price)	12 months	18 months	24 months	36 months	48 months	60 months
From 25%	9,9%	12,9%	14,9%	16,5%	17,5%	17,9%
From 30%	8,9%	12,5%	14,5%	15,9%	16,9%	17,5%
From 40%	7,5%	11,5%	13,5%	15,5%	16,5%	17,0%
From 50%	4,5%	9,5%	11,9%	14,5%	15,9%	16,5%
From 60%	0,0%	6,5%	9,9%	12,9%	14,5%	15,5%
From 70%	0,0%	1,9%	6,5%	10,5%	12,9%	13,9%

The purchase and sale agreement for the vehicle being purchased through the loan disbursed under these terms must include the name of JSC “Aloqabank” and a “CHANGAN 4” mark.

JSC “Aloqabank” and “CHANGAN 5”:

Down payment amount (relative to the vehicle price)	Loan term (without a grace period) and interest rate
Down payment amount (relative to the vehicle price)	12 months	18 months	24 months	36 months	48 months	60 months
From 25%	7,5%	11,5%	13,5%	15,5%	16,5%	17,5%
From 30%	6,5%	10,5%	12,9%	15,0%	16,0%	16,9%
From 40%	3,9%	8,9%	11,5%	14,5%	15,5%	16,5%
From 50%	0,0%	6,5%	9,9%	12,9%	14,5%	15,5%
From 60%	0,0%	3,5%	7,5%	11,5%	13,5%	14,5%
From 70%	0,0%	0,0%	2,5%	7,9%	10,9%	12,5%

The purchase and sale agreement for the vehicle being purchased through the loan disbursed under these terms must include the name of JSC “Aloqabank” and a “CHANGAN 5” mark.

JSC “Aloqabank” and “CHANGAN 7”:

Down payment amount (relative to the vehicle price)	Loan term (without a grace period) and interest rate
Down payment amount (relative to the vehicle price)	12 months	18 months	24 months	36 months	48 months	60 months
From 25%	0,0%	7,5%	10,5%	13,5%	14,9%	15,9%
From 30%	0,0%	6,5%	9,9%	12,9%	14,5%	15,5%
From 40%	0,0%	4,5%	7,9%	11,9%	13,9%	14,9%
From 50%	0,0%	0,9%	5,5%	9,9%	12,5%	13,9%
From 60%	0,0%	0,0%	1,5%	7,5%	10,5%	12,0%
From 70%	0,0%	0,0%	0,0%	2,9%	6,9%	9,5%

The purchase and sale agreement for the vehicle being purchased through the loan disbursed under these terms must include the name of JSC “Aloqabank” and a “CHANGAN 7” mark.

JSC “Aloqabank” and “CHANGAN 9”:

Down payment amount (relative to the vehicle price)	Loan term (without a grace period) and interest rate
Down payment amount (relative to the vehicle price)	12 months	18 months	24 months	28 months	36 months	48 months	60 months
From 25%	0,0%	3,9%	7,5%	9,5%	11,5%	13,5%	14,5%
From 30%	0,0%	2,5%	6,9%	8,5%	10,9%	12,9%	13,9%
From 40%	0,0%	0,0%	4,5%	6,5%	9,5%	11,9%	13,5%
From 50%	0,0%	0,0%	0,0%	3,5%	6,9%	9,9%	11,9%
From 60%	0,0%	0,0%	0,0%	0,0%	3,5%	7,5%	9,5%
From 70%	0,0%	0,0%	0,0%	0,0%	0,0%	2,5%	5,9%

The purchase and sale agreement for the vehicle being purchased through the loan disbursed under these terms must include the name of JSC “Aloqabank” and a “CHANGAN 9” mark.

JSC “Aloqabank” and “CHANGAN 11”:

Down payment amount (relative to the vehicle price)	Loan term (without a grace period) and interest rate
Down payment amount (relative to the vehicle price)	12 months	18 months	24 months	28 months	36 months	48 months	60 months
From 25%	0,0%	0,0%	3,5%	5,5%	8,5%	10,9%	12,5%
From 30%	0,0%	0,0%	2,5%	4,5%	7,5%	10,5%	11,9%
From 40%	0,0%	0,0%	0,0%	2,0%	5,5%	8,5%	10,5%
From 50%	0,0%	0,0%	0,0%	0,0%	2,5%	6,5%	8,9%
From 60%	0,0%	0,0%	0,0%	0,0%	0,0%	2,9%	5,9%
From 70%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,9%

The purchase and sale agreement for the vehicle being purchased through the loan disbursed under these terms must include the name of JSC “Aloqabank” and a “CHANGAN 11” mark.

JSC “Aloqabank” and “CHANGAN 12”:

Down payment amount (relative to the vehicle price)	Loan term (without a grace period) and interest rate
Down payment amount (relative to the vehicle price)	12 months	18 months	24 months	26 months	36 months	48 months	60 months
From 25%	0,0%	0,0%	3,5%	4,5%	8,5%	11,5%	12,5%
From 30%	0,0%	0,0%	0,0%	3,5%	7,5%	9,9%	10,9%
From 40%	0,0%	0,0%	0,0%	0,0%	5,5%	8,9%	10,5%
From 50%	0,0%	0,0%	0,0%	0,0%	0,0%	5,9%	8,9%
From 60%	0,0%	0,0%	0,0%	0,0%	0,0%	2,5%	5,9%
From 70%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%

The purchase and sale agreement for the vehicle being purchased through the loan disbursed under these terms must include the name of JSC “Aloqabank” and a “CHANGAN 12” mark.

JSC “Aloqabank” and “CHANGAN 15”:

Down payment amount (relative to the vehicle price)	Loan term (without a grace period) and interest rate
Down payment amount (relative to the vehicle price)	18 months	24 months	28 months	36 months	40 months	48 months	52 months	60 months
From 25%	0,0%	0,0%	0,5%	4,5%	5,5%	7,5%	8,5%	9,9%
From 30%	0,0%	0,0%	0,0%	3,5%	4,5%	6,9%	7,5%	8,9%
From 40%	0,0%	0,0%	0,0%	0,0%	2,0%	4,5%	5,5%	7,0%
From 50%	0,0%	0,0%	0,0%	0,0%	0,0%	1,5%	2,5%	4,5%
From 60%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%	0,0%

The purchase and sale agreement for the vehicle being purchased through the loan disbursed under these terms must include the name of JSC “Aloqabank” and a “CHANGAN 15” mark.

Loan Amount

Unlimited, but not exceeding* 75 (seventy-five) percent of the value of the collateral accepted as security for the loan.

In other words, the granted loan amount shall not exceed 75 (seventy-five) percent of the value of the collateral provided as security.

*Note: In accordance with the Regulation “On Macroprudential Standards Applicable to Banks and Requirements for Maximum Size of Payments on Loans (Microloans) issued by Banks” registered with the Ministry of Justice of the Republic of Uzbekistan on April 22, 2025, No. 3618, within the specified limit, the granted loan amount may exceed 75 (seventy-five) percent, but cannot go beyond 90 (ninety) percent of the collateral value.

Loan Disbursement

Transfer of money to a bank account of “CHANGAN AUTO DISTRIBUTION” LLC under the sales contract.

Loan Repayment

Annuity or differentiated payments.

Loan Security

- Purchased motor vehicle;
- Non-payment insurance policy until the purchased vehicle is pledged as collateral;
- Pledge of additional liquid property pursuant to the credit policy requirements

or
- Pledge of other liquid property (in cases when the purchased vehicle is not pledged).

Additional Condition

For loans disbursed within the framework of this loan product, “CHANGAN AUTO DISTRIBUTION” LLC shall pay a commission income (cashback) based on the Mutual Cooperation Agreement.

Take out a loan online

You can get online microloan via the Zoomrad mobile application!

Calculate your loan

Interest rate

17,9

from 0.0 %

to 17.9 %

Minimum initial deposit

from 25 %

to 75 %

Loan amount

150 000 000

soum

from 500 thousand soum

to 1 billion soum

Loan term

months

from 1 month

to 60 month

Repayment type:

Annuity Differential

Insurance expenses:

Notary expenses:

Collateral assessment costs:

Other:

Average monthly payment*

... soum

Annual interest rate:

...%

Full cost of the loan:

...%

Information sheet

* The calculation is preliminary. The exact amount of the monthly payment will be determined by the bank based on the results of consideration of the application.

Loan terms

Annual interest rate

0%-17,9%

Maximum loan amount

unlimited

Credit term

Up to 5 years

Loan target

For the purchase of motor vehicles sold by “CHANGAN AUTO DISTRIBUTION” LLC on the primary market.

Submission form

Transfer to the seller's bank account

Principal and interest repayment

Monthly

Repayment method

Differentiated, Annuity

A taking out method

Bank branch

Grace period

Terms and Conditions

Required documents

An original identity document (a civil passport or ID card) of a customer. In this case, the bank officer takes a copy of the original identity document.

A motor vehicle sale agreement.

Requirements

To a borrower: Citizens of the Republic of Uzbekistan or stateless persons permanently residing in Uzbekistan, who aged 18 but not aged 65.

The borrower (co-borrower, individual guarantor) income data the bank looks up online from external sources.

When the bank cannot be studied the borrower (co-borrower, individual guarantor) income data online from external sources, the Borrower shall provide a statement of income.