For individuals Loans Loan refinancing Loan refinancing (unsecured)

Loan refinancing (unsecured)

Refinance your loan on more favorable terms without collateral

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%

Loan calculator

needed_sum

1 000 000 UZS

term_in_months

12 months_short

interest_rate

26 %

repayment_method

collateral_costs

insurance_cost

other_costs

date	monthly_loan_payment	remain_loan_payment	percent	principal_debt

preliminary_calculation

rate %

term months

insurance_cost 0 suffix_uzs

collateral_costs 0 suffix_uzs

psk* %

psk_description

How to get the refinancing?

Submit your application

Visit the nearest Ipak Yuli Bank branch.

Prepare the documents

Provide your documents to the bank and receive a response.

Start paying on new terms

Sign the agreement and switch to the reduced rate* at Ipak Yuli Bank. *not lower than 26%

Submit application

Submit your application

Visit the nearest Ipak Yuli Bank branch.

Prepare the documents

Provide your documents to the bank and receive a response.

Start paying on new terms

Sign the agreement and switch to the reduced rate* at Ipak Yuli Bank. *not lower than 26%

Submit application

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.

Online loan application

Apply for a loan in 5 minutes

Bank on map

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.