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

Necessary amount

1 000 000 UZS

For a period of months

12 Months

Interest rate

26 %

Loan repayment method

Collateral valuation expenses

Insurance expenses

Other

Date	Monthly payment	Debt balance	Percent	Main debt

The calculation is preliminary. The exact amount of payments will be determined by the bank based on the results of the application review.

Rate %

Term in months month

Insurance expenses 0 UZS

Collateral valuation expenses 0 UZS

Full Credit Value (FCV)* %

*FCV - expenses that the borrower pays for the period of lending.

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.

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).