Auto loan for Voyah cars
About the auto loan
Available models
VOYAH Taishan
Maximum space, advanced technology and exceptional comfort for those who choose a premium experience in every aspect
VOYAH Courage
A modern crossover with a bold character, designed for an active lifestyle in the rhythm of a big city
VOYAH Free+
A next-generation crossover that combines innovation, safety and driving pleasure
VOYAH Free 318
A vehicle for those who value freedom of movement, long-distance journeys and confidence in every kilometre
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
Voyah 0%
| Term | Prepayment | Term rate |
| up to 12 months | from 50% | 0% |
| up to 18 months | ||
| up to 22 months | ||
| up to 24 months |
| Term rate | Prepayment | Loan amount | Term |
| 20,90% | 25% | up to 950 mln UZS | up to 12 months |
| 22,90% | from 25% up to 49,99% | up to 24 months | |
| 21,00% | from 25% up to 49,99% | up to 36 months | |
| 22,00% | from 25% up to 49,99% | up to 60 months | |
| 22,90% | 50% and more | up to 36 months | |
| 23,90% | 50% and more | up to 60 months |
*Credit terms are determined individually based on scoring analysis
Frequently asked questions
The auto loan is available for purchasing new Voyah vehicles from the official dealer E-GO Motors.
The minimum down payment starts from 50%, depending on the selected loan term.
Yes, the purchased vehicle serves as collateral for the loan.
Yes, you may fully or partially repay the auto loan ahead of schedule.
Citizens of the Republic of Uzbekistan aged 18 or older who meet the requirements of Ipak Yuli Bank may apply for the auto loan.
To apply, you must have a valid passport or ID card, a stable source of income, and a positive credit history. The final decision on loan approval is made by the Bank after reviewing the application and supporting documents.
Having existing loans does not automatically prevent you from obtaining an auto loan. Each application is assessed individually based on the applicant’s current debt burden and repayment capacity.
Yes, the auto loan is available both to clients with official income and to self-employed individuals upon submission of the required documents.
— MIRSAIDOV TRADE
— Everbright Group
— Toshkent Auto Trade
— VOYAH MOTORS
— BEK SAVDO SARMOYA
— EM PRIME MOTORS
— DM DRIVE
— TREND PREMIUM MOTORS
— AZAMAT AUTO INVEST
— VOHA MOTORS
Bank on map
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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