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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
Information sheet
Download the Information sheet on the main conditions of the loan

Calculate your loan

Loan amount
20 000 000
soum
from 1 million soum
to 50 million soum
Loan term
24
months
from 1 month
to 36 month
Interest rate
23
%
from 10 %
to 50 %
Method of payment of monthly 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.
Interest rate:
...%
Average monthly payment*
... soum
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.

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

Auto loan

Allocated for purchasing light vehicles from the primary market

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

Loans for the purchase of domestically produced vehicles are provided to citizens of the Republic of Uzbekistan.

26%
Interest rate
up to 60 months
Credit term
up to 824 000 000 soums
Loan amount
Auto loan

Loan is allocated for the purchase of a car manufactured in the Republic of Uzbekistan

26%
Interest rate
60 months
Credit term
up to 824 000 000 soums
Loan amount
Auto loan

It is allocated for the purchase of a "Kia, Chery" 

from 0%
Interest rate
up to 60 months
Credit term
824 000 000 soum
Loan amount
Auto loan

Provided for the purchase of KIA and Chery vehicles manufactured in the Republic of Uzbekistan

from 0%
Interest rate
up to 60 months
Credit term
up to 824,000,000 UZS
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

For purchasing housing in the primary and secondary real estate markets


24%-26%
Interest rate
20 years
Credit term
up to 1 648 000 000 soums
Loan amount
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.

25%-29%
Interest rate
up to 60 months
Credit term
up to 100 mln. soums
Loan amount
Microloan

Provided to individuals with a stable income and participants of the salary project of JSCB "Mikrokreditbank" through the "Mavrid" application.

30%
Interest rate
up to 24 months
Credit term
up to 50 mln. soums
Loan amount
Microloan

Provided to individuals with a stable income and participants of the salary project of JSCB "Mikrokreditbank" through the "Mavrid" application.

29%
Interest rate
up to 12 months
Credit term
up to 10 mln. soums
Loan amount
Exchange Rates
  • At the exchange office
  • At an ATM
  • In the application
  • Transfers abroad
CurrencyPurchaseSaleRate of the Central Bank
USD118701199011902.3
EUR132001410013780.48
GBP151001610015727.7
JPY7010076.12
CHF145001550014774.45
As of 28.11.2025 11:20:00
CurrencyPurchaseSaleRate of the Central Bank
USD115001199011902.3
As of 28.11.2025 11:20:00
CurrencyPurchaseSaleRate of the Central Bank
USD118701196011902.3
As of 28.11.2025 11:20:00
CurrencyPurchaseSaleRate of the Central Bank
USD118701196011902.3
As of 28.11.2025 11:20:00

New documents

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