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Consumer Loan

Consumer loan

A credit granted to an individual (consumer) for the purchase of consumer goods (services) to meet their consumption needs.

30%
Interest rate
Up to 36 months
Credit term
Unlimited
Loan amount
Menu

About loan

The bank grants the loan for individuals to purchase goods and services and meet their consumer needs.



*Lending operations are temporarily suspended*

Take out a loan online

You can get online microloan via the Zoomrad mobile application!

Calculate your loan

Interest rate
30
%
from 10 %
to 50 %
Loan amount
15 000 000
soum
from 300 thousand soum
to 1 billion soum
Loan term
12
months
from 1 month
to 36 month
Repayment type:
Insurance expenses:
Notary expenses:
Collateral assessment costs:
Other:
Average monthly payment*
... soum
Annual interest rate:
...%
Full cost of the loan:
...%
* 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
30%
Maximum loan amount
Unlimited
Credit term
Up to 36 months
Loan target
The purchase of goods and services and for meeting consumer needs
Submission form
Transfer to the seller's bank account
Principal and interest repayment
Monthly
Repayment method
Differentiated
A taking out method
Bank branch
Grace period
No
Information sheet
Download the Information sheet on the main conditions of the loan
FAQs
Still have questions? You can have a look at our FAQ database

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 sales (service) agreement entered into with an entity producing or selling goods (services).

 

The documents required if the loan is secured by a third party surety:

If guarantor is a natural person:

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

 

If guarantor is a legal entity:

the balance sheet and appendices of a guarantor-company;

an auditor's report;

the minutes of the founders’ meeting on consent to grant the surety;

the constituent documents (Certificate, Articles of Incorporation, Deed of Incorporation).


Requirements

To a borrower: A citizen of the Republic of Uzbekistan or a stateless person who is 18 years of age or older, but younger than 65, permanently resides in Uzbekistan and has permanent income.

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

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


Credit support

A third party surety if the loan does not exceed UZS 50 (fifty) million.

The liquid collateral if the loan exceeds UZS 50 (fifty) million.


How can I get a loan?
1
Download Zoomrad mobile application
2
Pass the identification
3
Get the opportunity to get online loan
We are happy to help you
If you have any questions, our team will answer them.
+998 71 230-77-77
Contact Center 24/7

The mobile app Zoomrad features interactive services and a calculator.

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30%
Interest rate
Up to 36 months
Credit term
Up to 50 mln. sums
Loan amount
Microloan

Borrower: Citizens of the Republic of Uzbekistan reached the age of 18 years but not older than 65, having a permanent source of income, or stateless persons permanently residing in Uzbekistan.

Microloan «Joziba»
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Interest rate
Up to 36 months
Credit term
Up to 50 mln. sums
Loan amount
Microloan

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Education Loan – at the expense of the Ministry of Economy and Finance
14%
Interest rate
Up to 162 monthes
Credit term
By contract
Loan amount
Education loan

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Mortgage – at bank’s own expense
25%
Interest rate
Up to 10 years
Credit term
Up to 800 mln. sums
Loan amount
Mortgage loan

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Car loan (primary market)
From 24%
Interest rate
Up to 5 years
Credit term
By contract
Loan amount
Auto loan

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Car loan for secondary market
24%
Interest rate
Up to 5 years
Credit term
Up to 300 mln. sums
Loan amount
Auto loan

Purchase of passenger cars on the secondary market.

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Interest rate
Up to 5 years
Credit term
By contract
Loan amount
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Microloan «Universal»
29%
Interest rate
Up to 36 months
Credit term
UZS 50 000 000
Loan amount
For the Astrum IT academy training courses
21%
Interest rate
Up to 36 month
Credit term
Up to 75 BCV
Loan amount
Education Loan – at bank’s own expense
30%
Interest rate
Up to 48 months
Credit term
By contract
Loan amount
Education loan

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Dashboard
All important payments and transfers in one place
Available in Google Play Download to App Store
The mobile app Zoomrad
Scan the QR-code with your smartphone for quick access to all bank services
Cashback
Profitable cashback for payments and even for money transfers
Available in Google Play Download to App Store
The mobile app Zoomrad
Scan the QR-code with your smartphone for quick access to all bank services
Deposits
Open deposits online
and multiply your savings
Available in Google Play Download to App Store
The mobile app Zoomrad
Scan the QR-code with your smartphone for quick access to all bank services
Combating corruption             
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Contacts
Contact Center 24/7
Helpline
Work schedule: MO-FR 09:00-18:00
Compliance phone
Work schedule: MO-FR 09:00-18:00
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