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Microloan “Biznesga birinchi qadam”

Microloan

25%

Interest rate

Up to 36 months

Credit term

Up to 17 million UZS

Loan amount

Information sheet

About loan

Microloans to self-employed to build up their own business.

Name	Term	Amount	Annual Interest Rate	Repayment Method	Additional Information
Biznesga birinchi qadam	From 3 to 36 months (no grace period)	From 1 mln. up to 17 mln. soums	25%	Differentiated	Third-party guarantor (must be an individual with a stable income source) or insurance against the risk of loan default (the cost of the insurance policy is borne by the client).

Take out a loan online

You can get online microloan via the Zoomrad mobile application!

Interest rate

from 24 %

to 24 %

Loan amount

5 000 000

soum

from 1 million soum

to 17 million soum

Loan term

months

from 3 month

to 36 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

25%

Maximum loan amount

Up to 17 million UZS

Credit term

Up to 36 months

Loan target

Microloans to self-employed to build up their own business.

Submission form

By crediting to the card

Principal and interest repayment

Monthly

Repayment method

Differentiated

A taking out method

Bank branch

Grace period

Information sheet

Download the Information sheet on the main conditions of the loan

Information sheet

FAQs

Still have questions? You can have a look at our FAQ database

Required documents

Necessary documents

The original of the customer’s identification document (civil passport or ID-card of a person). The Bank's employee then makes a copy of the identification document.

Customer's statement of registration with the state tax authorities as a self-employed person.

Requirements

Requirements

Borrower: individuals aged 18 to 60 years, who are self-employed (with or without a permanent job and source of income), permanently residing in the Republic of Uzbekistan, and holding citizenship of the Republic of Uzbekistan.

Credit support

Non-payment insurance policy.

Download Zoomrad mobile application

Pass the identification

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

"Zoomrad" mobile app – online payments and digital banking services.

Loan contract sample - Autoloan, Consumer loan, microloan, Mortgage and education loan agreement from the bank resource

Size: 478.26 KB
Format: pdf

Loan contract sample - Microloan

Size: 255.89 KB
Format: pdf

18%

Interest rate

Not more than 7 years

Credit term

Not more than UZS 20 million

Loan amount

Microloan

Payment for training courses of young persons, learning modern and in-demand professions, including those teaching digital technologies and foreign languages in accordance with the Presidential Resolution dated February 14, 2025, No. PR-62.

Detail

Microloan “Biznesga birinchi qadam - Yoshlar uchun”

18%

Interest rate

not exceeding 7 years

Credit term

Up to 100 million UZS

Loan amount

Microloan

To support young entrepreneurs

Detail

From 25%

Interest rate

Up to 5 years

Credit term

unlimited

Loan amount

Auto loan

For purchase on the primary market of motor vehicles manufactured/assembled in Uzbekistan by domestic manufacturers or of BYD vehicles sold by official BYD distributors/dealers in Uzbekistan, of vehicles sold by “Roodell” LLC, as well as for the payment of insurance premiums.

Detail

From 25%

Interest rate

Up to 5 years

Credit term

Up to 300 mln. sums

Loan amount

Auto loan

Purchase on the secondary market of passenger motor vehicles manufactured not more than 5 (five) years ago, (in 2021-....) by UzAuto Motors JSC
(M1 and N1 category)

Detail

5,99%-24,99%

Interest rate

Up to 5 years

Credit term

unlimited

Loan amount

Auto loan

Purchase on the primary market of motor vehicles (Chevrolet, Captiva, Malibu and Traverse) sold by the JSC "UzAuto Motors".

Detail

0%-21%

Interest rate

Up to 5 years

Credit term

unlimited

Loan amount

Auto loan

Purchase on the primary market of motor vehicles sold by “ROODELL” LLC

Detail

From 25%

Interest rate

Up to 5 years

Credit term

up to 300 mln. Sums

Loan amount

Auto loan

To purchase a vehicle of category M2* intended for passenger transportation and category N1* intended for freight transportation from the primary market and to pay insurance premiums.

Detail