Online microloan
Online microloan
About microloan
How can you use an online microloan?
Buying electronics
Get a phone, laptop, or household appliances right away
Unexpected expenses
Cover urgent health or medical treatment costs
Travel
Take the trip you planned without waiting
Home renovation
Buy materials and complete repairs on time
3 steps for obtaining a microloan
Loan calculator
| Date | Monthly payment | Debt balance | Percent | Main debt |
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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.
FAQ
For any of your expenses - the money will simply come to your wallet in Ipak Yuli Mobile, you can spend it on anything you want.
You do not need to provide any separate documents. It is enough to pass identification in Ipak Yuli Mobile: for this you will need a passport or ID card.
An online microloan can be taken out for up to 4 years. The longer the term, the lower the monthly payments. The shorter the term, the lower the repayment, but the higher the monthly payment.
The money will come to your wallet in Ipak Yuli Mobile. From your wallet you can transfer it to your card.
You will be charged a penalty in the amount of 1.3 parts of the principal debt for each day overdue. Your credit history will be ruined, which means it will be more difficult to get a loan in the future.
- Using Ipak Yuli Mobile;
- At any bank office;
- At ADM at the bank's offices. ADM is an automated deposit machine.
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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