A microloan with guarantorship is a loan for personal purposes provided based on a guarantee from an individual or an insurance policy, without requiring collateral.

Up to 100,000,000 UZS. The maximum amount is determined individually for each client by the scoring system.

Up to 36 months (3 years).

- up to 12 months — from 25.9% per annum 

- up to 24 months — from 26.9% per annum 

- up to 36 months — from 28.9% per annum

- official income for at least 6 months

- registration as a self-employed individual for at least 12 months 

- no overdue payments or outstanding debts - positive credit history

 The decision is made based on scoring results and data from KATM.

After approval, the funds are transferred to your bank card or current account.

Payments are made on a monthly basis: 

- via the Ipak Yuli Mobile app 

- at any bank branch 

- through ADM (Automated Deposit Machine) 

Early repayment is also available.