FOTON — Business Auto Loan from Ipak Yuli Bank

For business Loans Loan for FOTON vehicles

Loan for FOTON vehicles

A business loan to purchase FOTON vehicles from the official distributor

Annual rate

Term

up to 48 months

Amount

up to $1 500 000

Submit application

How to apply for a loan?

Choose a vehicle

Select a suitable FOTON model from the official distributor SAMIST AUTO

Submit an application

Apply for a loan at Ipak Yuli Bank and provide the required documents

Sign the agreement and receive the vehicle

After approval, sign the loan agreement, the bank will transfer the funds to the supplier, and you will receive the vehicle

Submit application

Choose a vehicle

Select a suitable FOTON model from the official distributor SAMIST AUTO

Submit an application

Apply for a loan at Ipak Yuli Bank and provide the required documents

Sign the agreement and receive the vehicle

After approval, sign the loan agreement, the bank will transfer the funds to the supplier, and you will receive the vehicle

Submit application

About "FOTON" loan

Auto loan for Foton vehicles

Your new FOTON — with the support of the bank

Purchase FOTON commercial vehicles for your business on clear and favorable financing terms.

An auto loan for FOTON vehicles from Ipak Yuli Bank allows companies to renew or expand their fleet without large one-time expenses and without interest payments.

The loan is provided for purchasing FOTON vehicles from the official distributor of the brand in Uzbekistan — SAMIST AUTO.

Key aspects

Clear financing conditions

• Maximum amount — up to $1,500,000 (in equivalent in national currency)

• Financing term — up to 48 months

• Interest rate — 0% per annum

• Down payment — from 0% to 70%

Official distributor

• Financing is provided when purchasing FOTON vehicles from the official distributor SAMIST AUTO

• Vehicles are supplied through the brand’s official dealer network

Key advantages

• Financing for FOTON vehicles for business on special terms

• 0% annual interest rate

• возможность приобрести сразу несколько автомобилей для автопарка

• Application decision — from 3–5 business days

• Bank support at all stages of the transaction

3 steps to get the loan

1. Choose a FOTON vehicle from the official distributor SAMIST AUTO

2. Submit the documents to Ipak Yuli Bank

3. Sign the agreement and receive the vehicle for your business

Why it is beneficial

• Opportunity to renew your fleet without large one-time expenses

• Business growth through additional transport

• Interest-free financing

• Reduced costs on vehicle rental and maintenance of old vehicles

• Reliable financing from Ipak Yuli Bank

Interest rate based on the loan term

Down payment	Term	Interest rate
0%	up to 12 months	0%
30%	up to 18 months
40%	up to 22 months
50%	up to 24 months
60%	up to 30 months
65%	up to 36 months
70%	up to 48 months

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Important to know

Required documents to get the service

Application
Financial documents
Constituent documents
Passport / ID card / TIN

Collateral

Real estate
Vehicles
Cash funds
Jewelry
Gold bars and gold coins issued by the Central Bank of the Republic of Uzbekistan

Questions and answers

Yes, the loan allows the purchase of multiple FOTON vehicles if the company’s financial indicators meet the bank’s requirements.

Vehicles are purchased from the official distributor of the FOTON brand in Uzbekistan — SAMIST AUTO.

Not necessarily. You can make a 0% down payment and the annual interest rate will still be 0%. The down payment only affects the possible loan term.

The loan is provided in the national currency — UZS.

Yes, the client may repay the loan early in accordance with the terms of the loan agreement.

The review period depends on the submitted documents and project conditions. On average, it starts from 3 days.

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Important things to know about loans

What to consider when applying for a bank loan

Before taking a loan, evaluate the key parameters:

Interest rate and total cost — compare not only the stated rate but also the total cost of credit (which includes all fees).
Amount and term — borrow only what you need and for a comfortable period so that the payment does not exceed 40–50% of your income.
Collateral — loans without collateral or a guarantor usually have higher rates but are easier to obtain.
Disbursement and repayment method — managing your loan online via the mobile app is the most convenient.

Our specialists are always ready to help you calculate and choose the best option for your situation.

Main consequences of failing to repay a loan

Increase in outstanding debt: Penalties, late payment charges, and interest accrue on overdue amounts, increasing the total amount owed.
Enforcement against property and bank accounts: The bank has the right to recover outstanding debt from funds held in the borrower’s bank accounts and from their personal property through court proceedings or enforcement procedures. If the proceeds from the sale of the property are insufficient to cover the debt, the borrower remains responsible for the outstanding balance.
Liability of guarantors and pledgors: If the loan is secured by collateral or a guarantee, the obligation to repay the debt may extend to the guarantors or pledgors. They may subsequently claim reimbursement of the amounts paid from the principal borrower.
Restrictions on leaving the country: A debtor’s right to leave Uzbekistan may be temporarily restricted by a court decision or an order issued by a state enforcement officer.
Negative impact on credit history: Information about overdue payments is reported to credit bureaus, which may make it difficult or impossible to obtain new loans or installment payment plans in the future.