Lixiang auto loan
Lixiang auto loan
More about the Lixiang auto loan
How to apply for a car loan?
Loan calculator
| Date | Monthly payment | Debt balance | Percent | Main debt |
|---|
The calculation is preliminary. The exact amount of payments will be determined by the bank based on the results of the application review.
*FCV - expenses that the borrower pays for the period of lending.
About the loan
Your new Lixiang — with the support of the bank
Purchase your new car simply, transparently, and on clear terms. A Lixiang auto loan from Ipak Yuli Bank allows you to buy a vehicle with a reduced interest rate, flexible down payment options, and a convenient application process.
The loan applies to the following Lixiang premium models: L6, L7, L9, when purchased from dealers participating in the bank’s auto financing program.
Key Aspects
Clear lending terms
• Maximum amount — up to UZS 950 million (determined individually based on scoring analysis)
• Loan term — from 12 to 60 months
• Down payment — 30%, 40%, 50% or 60%
Official dealers
• The loan is available only when purchasing Lixiang vehicles from official dealers participating in the auto financing program
• Full list of dealers — available at ipakyulibank.uz
Key Advantages
• Preferential auto loan rate — starting from 0%
• Simple application process — minimal steps and quick approval
• Purchase exclusively from verified, trusted dealers
3 Steps to Get the Loan
1. Choose your vehicle from a dealer
2. Submit your documents to the bank
3. Receive your car
Why it’s beneficial
• Reduced interest rate on the auto loan
• Transparent conditions with no hidden fees
• Clear and straightforward application process
• Reliable support from the bank at every stage
• A convenient financial solution for purchasing a new Lixiang
Online loan application
Apply for a loan in 5 minutes
Interest rate based on the loan term
| Prepayment | Loan amount | ||||
| up to 12 months | up to 24 months | up to 36 months | up to 48 months | up to 60 months | |
| 30% | 9.9% | 15.5% | 18% | 20% | 20.5% |
| 40% | 8% | 14% | 17% | 19% | 20% |
| 50% | 4% | 11.5% | 15.5% | 18% | 19% |
| 60% | 0% | 8.5% | 12.5% | 15.5% | 16.5% |
Important to know
Required documents to get the service
- Passport / ID
- Contract with an official Lixiang dealer
Requirements for borrower
The loan is available to citizens of the Republic of Uzbekistan who meet the bank’s requirements and provide the necessary documents.
Questions and answers
The loan is available to citizens of the Republic of Uzbekistan who meet the bank’s requirements and provide the necessary documents.
The loan is provided for the purchase of new LIXIANG vehicles from official dealers.
The interest rate depends on the amount of the down payment and the loan term. The minimum rate is 0%, which applies when the loan term is 12 months and the down payment is 60% or more. The maximum rate is 20,5%, which applies when the loan term is 60 months and the down payment is 30%.
The system performs a scoring analysis and provides a decision immediately.
Yes, early repayment is available in accordance with the loan agreement.
The loan is available for LiXiang L6, L7, L9 models from Li Auto. The list of current dealers is available on the website.
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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.
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