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Convenience overdraft

Overdraft is provided to employees of enterprises and organizations serviced by the Microcredibank of Uzbekistan to salary plastic cards for personal needs.

from 22%
Interest rate
up to 36 months
Credit term
50,000,000 soum
Loan amount

About loan

Borrower: Individuals who are participants in the payroll project of JSCB "Microcreditbank".

Loan term: up to 24 months.

Annual interest rate:

Term Interest rate   
12 months 22%
24 months  23%
36 months  24%

Maximum loan amount: 50,000,000 soums.

Apply for a loan online

You can apply for a loan by visiting the Bank's subdivisions (branches, offices of banking services) or on the Bank's website. Online applications are accepted 24 hours a day and processed quickly.

Fill out an online application form. Our employee will contact you and tell you about the terms of registration and issuance.

Tariffs and conditions

Interest rate
from 22%
Loan amount
50,000,000 soum
Loan target
For personal needs
Submission form
By crediting to the card
Frequency of payments
Monthly
Repayment method
Annuity
Credit term
up to 36 months
Loan processing method
Bank branch, Mobile app
Grace period
No

Terms and Conditions

Required documents
  • ID card or passport;
  • loan security documents.
Requirements

Individuals who are participants in the payroll project of JSCB "Microcreditbank".

Credit support
  • guarantees of third parties;
  • insurance policy;
  • Other types of security within the law.

Documents

Public offer of loan repayment
Size: 420.81 KB
Format: pdf

Other loans

Microloan

Individuals who are self-employed individuals aged between 18 and 60 who are bank clients and live in the neighborhoods attached to JSCB “Microcreditbank” by the government.

from 27%
Interest rate
up to 48 months
Credit term
Up to 30 million soums.
Loan amount
Microloan

For individuals aged 18 to 60 years who are bank clients and self-employed without official income


27%-28%
Interest rate
up to 36 months
Credit term
up to 8 240 000 soums
Loan amount

Microloan

NEW
Microloan

The microloan is disbursed in cash or by transferring to a borrower's plastic card in the national currency for a period of 60 months up to 100 million soums.

from 25%
Interest rate
up to 60 months
Credit term
up to 100 mln. soums
Loan amount
Microloan

Individuals with a permanent income and participants in the salary project of JSCB Microcreditbank.

30%
Interest rate
up to 24 months
Credit term
up to 30 mln. soums
Loan amount
Mortgage loan
For citizens of the Republic of Uzbekistan who has reached 18 years of age and not more than 60 years of age on the day of applying for a mortgage loan.
up to 18%
Interest rate
up to 20 years
Credit term
420 mln. soums
Loan amount
Mortgage loan

A citizen of the Republic of Uzbekistan included in the anti-poverty program on the recommendation of the Mahalla Ettiliga and in need of improved housing conditions

18%
Interest rate
20 years
Credit term
120 mln. soums
Loan amount
Mortgage loan

For citizens of the Republic of Uzbekistan who has reached 18 years of age and not more than 60 years of age on the day of applying for a mortgage loan.

from 24%
Interest rate
up to 15 years
Credit term
up to 1 648 000 000 soums
Loan amount
Auto loan

Allocated for the purchase of cars


25%
Interest rate
60 months
Credit term
up to 824 million soums
Loan amount
Education loan

Starting from the 2024/2025 academic year, preferential educational loans will be allocated only to full-time students

Applications for educational loans can be submitted online through the website talim-krediti.mf.uz and the single portal (my.gov.uz).

14%
Interest rate
up to 15 years
Credit term
According contract
Loan amount
Education loan

Starting from the 2024/2025 academic year, preferential educational loans will be allocated only to full-time students.

0%
Interest rate
up to 15 years
Credit term
According contract
Loan amount
Exchange Rates
  • At the exchange office
  • At an ATM
  • In the application
  • Transfers abroad
CurrencyPurchaseSaleRate of the Central Bank
USD121201231012257.13
EUR138001480014434
GBP160001700016550.8
JPY7010082.89
CHF150001600015427.48
As of 23.09.2025 10:45:00
CurrencyPurchaseSaleRate of the Central Bank
USD121001231012257.13
As of 23.09.2025 10:45:00
CurrencyPurchaseSaleRate of the Central Bank
USD121201231012257.13
As of 23.09.2025 10:45:00
CurrencyPurchaseSaleRate of the Central Bank
USD121201231012257.13
As of 23.09.2025 10:45:00

New documents

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Work schedule: MO-FR 08:00-20:00
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Work schedule: MO-FR 09:00-18:00
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Work schedule: MO-FR 09:00-18:00
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