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Update: 4 March 2024, 16:32

Overdraft

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

26%

Interest rate

up to 12 months

Credit term

100 BCV

Loan amount

About loan

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

Loan term: up to 12 months.

Annual interest rate: 26%.

Maximum loan amount: Up to 3 times the average monthly salary or pension of the borrower.

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

26%

Loan amount

100 BCV

Loan target

For personal needs

Submission form

By crediting to the card

Frequency of payments

Monthly

Repayment method

Differentiated, Annuity

Credit term

up to 12 months

Loan processing method

Bank branch, Mobile app

Grace period

ID card or passport;
loan security documents.

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

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

Public offer of loan repayment

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Format: pdf

Microloan

For individuals aged 21 to 60 years who are bank clients and self-employed without official income

26%-28%

Interest rate

up to 36 months

Credit term

up to 6.8 million soums

Loan amount

Detail

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 27%

Interest rate

up to 36 months

Credit term

up to 100 mln. soums

Loan amount

Detail

Microloan

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

27-31%

Interest rate

up to 24 months

Credit term

up to 30 mln. soums

Loan amount

Detail

Microloan

Online microcredit-2 - a type of remote lending to plastic cards opened by JSCB "Microcreditbank" in the framework of the salary project.

27%

Interest rate

up to 12 months

Credit term

up to 10 mln. soums

Loan amount

Detail

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 22%

Interest rate

up to 48 months

Credit term

Up to 15 million soums.

Loan amount

Detail

Education loan

Loans are allocated to female students recommended or accepted for training on a paid-contract basis in the specialties of bachelor's and master's programs of educational institutions.

Interest rate

up to 15 years

Credit term

According contract

Loan amount

Detail

Education loan

Temporarily suspended

14%

Interest rate

up to 15 years

Credit term

According contract

Loan amount

Detail

Consumer loan

Temporarily suspended

20%

Interest rate

up to 60 months

Credit term

up to 500 BCV

Loan amount

Detail

Consumer loan

Consumer loans are issued to citizens aged at least 18 who have a permanent place of residence, as well as income received legally in the Republic of Uzbekistan.

30%

Interest rate

up to 48 months

Credit term

up to 80 mln. soums

Loan amount

Detail