Unsecured loan refinancing

Loan refinancing under a guarantee — new terms, easier payments 

Transfer your loan from other banks to Ipak Yuli Bank under new, more favorable terms — fast, clear, and without unnecessary steps. Loan refinancing under a guarantee at Ipak Yuli Bank helps reduce your interest rate, lower your monthly financial burden, and make loan repayment more comfortable. 

You can transfer a loan or microloan from another bank. We provide a smooth application process and full support at every stage — from application to switching to new terms. 

Key aspects 

Clear refinancing terms: 

• Loan amount: up to 100,000,000 UZS 

• Loan term: up to 36 months  

• Application review: preliminary decision from 5 minutes, final decision — up to 3 business days 

• Security: a guarantee from an individual resident 

• Requirements: an active loan or microloan in another bank for at least 6 months 

Key benefits 

• Lower interest rate and more comfortable monthly payments 

• Fast decision — preliminary response within minutes 

• Simple application — minimal documents and a clear process 

• Easy transfer to Ipak Yuli Bank — switch your loan to new terms in just a few steps 

3 steps to switch to new terms 

1. Submit an application 

Visit the nearest Ipak Yuli Bank branch. 

2. Receive a decision 

Submit the documents and get a preliminary result within a short time. 

3. Start paying under new terms 

Your current loan will be closed, and a new agreement under more favorable terms will be signed with Ipak Yuli Bank. 

Why it’s beneficial 

• You reduce the cost of your loan* 

A lower interest rate helps decrease your monthly payment and overall overpayment. 

• You get quick clarity 

A preliminary decision on your application is available within minutes. 

• You save time and effort 

The application process is simple and clear, with minimal documents and no unnecessary steps. 

Read more about refinancing in our article