Microloan Istiqlol online
A special offer dedicated to the 35th anniversary of the Independence of the Republic of Uzbekistan and the Bank’s 104th anniversary.
How to get a loan?
Download the SQB Mobile app from App Store or Google Play
Register and enter your PINFL
Choose a loan product and review its terms
Submit an application and receive the Bank’s decision
When applying for a microloan in SQB Mobileno documents are required
The loan is issued remotely to citizens of the Republic of Uzbekistan registered in the app SQB Mobile
SMS
Send to 2500
At the bank
At bank offices
From a card
Via the SQB Mobile app
in 5 minutes!
Fill in an online application and get the Bank’s decision right away in the SQB Mobile app. All you need is your passport details and bank card.
Loan terms
Loan amount
Loan term
*Calculations are for informational purposes only. The total sum is calculated individually.
Purpose of the microloan:
Any purpose.
Microloan amount:
From UZS 2 million to UZS 100 million.
The total amount, including the outstanding balance of all the borrower’s microloans with other credit institutions, must not exceed UZS 100 million.
Microloan term:
Up to 36 months.
Currency:
National currency – Uzbek soum (UZS).
Interest rate type:
Fixed.
If the Central Bank of the Republic of Uzbekistan changes its policy rate, the interest rate on the microloan remains unchanged.
Repayment schedule:
Annuity or declining balance.
Payment frequency:
Monthly.
Grace period:
Not provided.
Microloan security:
- credit default risk insurance policy;
- third-party guarantee;
- pledge of property.
If a third-party guarantee or a pledge of property is chosen and scoring is successfully completed, the security is arranged at a Bank branch.
Security amount:
At least 130% of the microloan amount.
Insurance policy term:
The insurance contract and insurance policy are issued for the entire term of the microloan.
Microloan application:
The microloan is issued remotely, without submitting documents, via the SQB Mobile app.
If a third-party guarantee or a pledge of property is chosen, the client must visit the selected Bank branch to arrange the security.
Method of disbursement:
Funds are credited to the borrower’s account managed via the SQB Mobile app or to a bank card opened with JSCB Uzpromstroybank.
Insurance premium payment:
- from the client’s card linked to the mobile app account;
- from the loan proceeds by transfer to the insurance company.
- a motor vehicle no more than 5 years old from the date of manufacture;
- real estate;
- for microloans with a term of up to 12 months, residential premises may be pledged if no persons are permanently registered there;
- the pledged property must not be subject to any prohibitions or arrests.
A special offer under the “Yangicha onlayn mikroqarz” product, dedicated to the 35th anniversary of the Independence of the Republic of Uzbekistan and the Bank’s 104th anniversary.
For citizens with official income:
Annual rate 21%
Microloan term: up to 6 months
Annual rate 22%
Microloan term: up to 12 months
Annual rate 23%
Microloan term: up to 24 months
Annual rate 24%
Microloan term: Up to 36 months
All other terms are determined in accordance with the current terms of the “Yangicha onlayn mikroqarz” product.
- citizenship of the Republic of Uzbekistan;
- age on the date of applying for the microloan — 18 to 65 years inclusive;
- a regular salary or other income not prohibited by law that is sufficient to make monthly interest and principal payments on the microloan in accordance with the payment schedule;
- when determining average monthly income, information on citizens’ salary, pension and funded pension contributions is used;
- salary information must cover 6 consecutive months, excluding periods of annual leave;
- the borrower’s income is taken into account net of taxes;
- if the borrower’s income cannot be determined, a microloan under this product is not provided;
- existing debt on previously obtained loans and guarantees provided is allowed, subject to a check of the client’s creditworthiness;
- current overdue debt is not allowed;
- the credit history is reviewed for loans and microloans issued over the last 24 months;
- if, over the last 24 months, the borrower has had, on fully repaid or current loans and microloans, overdue debt lasting more than 90 days, the microloan will be declined;
- the debt burden ratio must not exceed 50%.
No documents are required to apply via the SQB Mobile app.
If an individual’s guarantee or a pledge of property is chosen, the client must visit the selected Bank branch to arrange the security.
Frequently asked questions
To apply for a loan, you need to:
- Download and install the SQB Mobile app;
- Register and verify your identity;
- Choose an available loan product;
- Review the lending terms and fill in the application;
- Submit the application for review.
Once a decision is made, the Bank will notify you of the result via the app.
- The maximum loan amount is determined individually based on the review of the application and depends on the client’s financial position, income level and other factors provided for by the lending terms.
Possible reasons include: no stable income over the last 6 months, a low credit score, incomplete or incorrect information in the application, failure to meet age or citizenship requirements, or a high debt burden.
When applying for the “Open Credit Line – Microloan” product at a Bank office, insurance is not mandatory. The client may choose one of the available types of security: insurance, collateral or a guarantee.
When a microloan is taken out fully online, including via the SQB Mobile app, insurance is a mandatory condition for obtaining the loan.
Insurance is provided by the company chosen by the client – SQB Insurance or Infinity Insurance. The insurance premium is paid from the loan proceeds and debited from the loan account.
When applying for a credit card , insurance is also mandatory. Insurance is provided by SQB Insurance, and the insurance premium is paid from the client’s own funds.
The relevant public offers for these products are published on the Bank’s official website.
If the loan is repaid early in full, the insurance company refunds the relevant part of the insurance premium for the unused insurance period.
To request a refund, you need to:
- Contact a banking services centre or an SQB office and obtain a certificate confirming full early repayment of the loan.
- Prepare the Bank’s certificate and any other documents requested by the insurance company.
- Submit a refund application directly to the insurance company with which the insurance was arranged.
Last updated date: 23.10.2026 11:22
