Auto loan for new Volkswagen cars
Volkswagen auto loan
About the auto loan
3 steps to get your car
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.
Important to know
Required documents to get the service
- Passport / ID
- Vehicle purchase agreement
Requirements for borrower
- Citizen of the Republic of Uzbekistan
- Age: 18 and above
- Positive credit history
- Official source of income or a self-employment certificate
Online loan application
Apply for a loan in 5 minutes
About interest rates
С официальным доходом
| Prepayment | Term | Term rate |
| 25% | 12 months | 20,9% |
| от 25% | 24 months | 22,9% |
| 36 months | 23,9% | |
| 60 months | 24,9% | |
| от 50% | 36 months | 22,9% |
| 60 months | 23,9% |
Сотрудники государственных организаций
| Prepayment | Term | Term rate |
| от 25% | 24 months | 20,9% |
| 36 months | 21,9% | |
| 60 months | 22,9% | |
| от 50% | 36 months | 20,9% |
| 60 months | 21,9% |
Employees of state organizations
| Prepayment | Term | Term rate |
| 25% | 12 months | 20,9% |
| from 25% | 24 months | 22,9% |
| 36 months | 23,9% | |
| 60 months | 24,9% | |
| from 50% | 36 months | 22,9% |
| 60 months | 23,9% |
*Loan terms are determined individually based on credit scoring results.
Frequently asked questions
The car loan program is available for the following models: Volkswagen Passat Pro, Teramont Pro, Tiguan L Pro, Teramont X, Lavida XR, Tharu XR, Jetta VS5, Jetta VS7.
The interest rate starts from 20.9% per annum. The loan terms depend on the selected car model.
The down payment depends on the selected vehicle model and starts from 25% of the vehicle’s price.
Yes, the purchased vehicle serves as collateral for the loan.
Yes, you may fully or partially repay the loan ahead of schedule in accordance with the Bank’s terms. No penalties or fines apply.
The auto loan is available to individuals over 18 years old who have a confirmed source of income or self-employed status and meet the requirements of Ipak Yuli Bank.
To apply, you will need a passport or ID card, as well as proof of income for the last 6 months or a self-employment certificate.
Yes, the auto loan is available both to clients with official income and to self-employed individuals upon submission of the required documents.
Yes. Reduced interest rates are available for employees of government organizations.
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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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