Loan refinancing (unsecured)
How to get the refinancing?
Loan calculator
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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.
About refinancing
Unsecured loan refinancing — new terms, easier payments
Transfer your loan from other banks or MFOs to Ipak Yuli Bank under new, more favorable terms — fast, clear, and without unnecessary steps. Unsecured loan refinancing 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 or MFO. 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
• Interest rate: current rate minus 5%, but not lower than 26% per annum
• Application review: preliminary decision from 5 minutes, final decision — up to 3 business days
• Security: loan default risk insurance policy and a guarantee from an individual resident
• Requirements: an active loan or microloan in another bank or MFO 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
• No collateral required
• 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.
• No collateral required
The loan is issued without pledging property, making the transition to new terms easier.
* Reduced by 5%, but not lower than 26%
Online loan application
Apply for a loan in 5 minutes
Important to know
Required documents to get the service
• Pasport / ID-karta;
• Boshqa bank/MMT tomonidan berilgan asosiy qarz qoldig‘i va rekvizitlar ko‘rsatilgan ma’lumotnoma yoki rasmiy xat.
Requirements for borrower
A citizen of the Republic of Uzbekistan, aged 18 or older, with an active loan or microloan in another bank/MFO for at least 6 months.
Questions and answers
What is loan refinancing? It is the process of obtaining a new loan from Ipak Yuli Bank to fully repay an expensive microloan or loan in another bank/MFO under more favorable terms.
Your current interest rate is reduced by 5%, but cannot be lower than 26% per annum.
No collateral not is required.
The security includes:
– a loan default risk insurance policy
– a guarantee from an individual resident of Uzbekistan
Yes, according to the terms of the agreement.
No, but the rate is reduced by 5% from your current rate, while the final rate cannot be lower than 26% per annum.
Yes, if the total amount fits within the limit of up to 100 million UZS and the debt structure allows it (the loans can be consolidated if necessary).
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