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Special Offer
on Auto Loans
Auto loans for KIA, CHERY, and RENAULT cars
(Temporarily Suspended)
Down Payment
from 30%Interest Rate
from 3%
Repayment Term
up to 5 years
Loan Amount
up to 70% of the car price
When applying for a loan, you get insurance as a gift!
All Loan Terms
Get a Preliminary
Response in 2 Minutes!
Response in 2 Minutes!
Doubting getting a loan? Fill out an online application and receive a preliminary decision from the bank right now! You only need your passport or ID card to fill out the application.
How to Get Your Dream Car ?
Steps to Get a Loan
Choose a car and a dealership
Visit a convenient bank branch
Receive a preliminary loan approval from the bank
Sign a loan agreement with the bank and get a car!
Required Documents
Passport or ID card
Sales contract
Credit is provided to citizens of the Republic of Uzbekistan aged 18 to 60 years.
Repayment Methods
SMS
Send to number 2500
At the Bank
At the bank branches
From Your Card
Through the JOYDA mobile app
Find out if you are approved for
credit and for what amount
credit and for what amount
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Choose the make and model of the car
For information about the availability of the model, configuration, and color of the car, inquire at the dealership.
Car Price
Choose the repayment type
Annuity
Differentiated
Term
Repayment Schedule
*Calculations are for informational purposes only. The total amount will be calculated individually.
Step 1/3
Approval Probability: +10% for completing the first step
Enter Personal Information
Personal Information
Why do you need a
preliminary application?
preliminary application?
This application serves an informational purpose to assess the borrower's creditworthiness and is not a legally binding offer. By completing the application, you will receive a preliminary decision from the bank regarding the loan approval.
Important Information
Basic Information
Loan Purpose:
New passenger cars of the brands KIA, CHERY, and RENAULT, manufactured in the Republic of Uzbekistan (primary market)
Loan Term:
Up to 60 months
Grace Period:
6 months (for the differentiated method)
Loan Amount:
Not more than 70% of the car's value
Down Payment:
At least 30% of the contractual car price
Repayment Method:
- Annuitant – the total loan amount is repaid in equal installments
- Differentiated – monthly payments decrease as the loan is paid off
Loan Security:
A loan repayment default insurance policy is provided until the purchased car is pledged as collateral
List of Car Models
Approved range of RENAULT cars eligible for auto credit: CAPTUR, ARKANA, DUSTER.
Approved range of CHERY cars eligible for auto credit: ARRIZO, TIGGO 7PRO, TIGGO 8PRO, TIGGO 8PRO MAX.
Approved range of KIA cars eligible for auto credit: SELTOS, CERATO, SORENTO, SPORTAGE, STINGER, K5, K8, BONGO.
Additional Conditions
For borrowers registered as self-employed individuals and making an initial payment of 40% or more, no official proof of income is required. In this case, a statement of average monthly income certified by the self-employed individual is submitted.
Additional conditions
Self-employed persons who have made a down payment of at least 30% of the cost of the car do not need to submit a document on the official source of income.
Clients who have taken out a car loan can pay for the insurance from the bank's credit
Customers who have taken a car loan will have the opportunity to get a "micro loan" and "consumer loan" with a preferential annual interest rate of 1% over the existing ones.
MTPL policy for car loan users is provided free of cost.
Interest Rate for Differentiated Payment Method
Differentiated payment is a loan repayment system where the borrower makes varying payments each month, with the amount decreasing over time.
3%
Interest Rate 3%
Loan Term: 12 months
20%
Interest Rate 20%
Loan Term: 48 months
14%
Interest Rate 14%
Loan Term: 24 months
22%
Interest Rate 22%
Loan Term: 60 months
16%
Interest Rate 16%
Loan Term: 36 months
16%
Interest Rate 16%
Loan Term: 24 months
21%
Interest Rate 21%
Loan Term: 48 months
17%
Interest Rate 17%
Loan Term: 36 months
23%
Interest Rate 23%
Loan Term: 60 months
18%
Interest Rate 18%
Loan Term: 24 months
20%
Interest Rate 20%
Loan Term: 36 months
22%
Interest Rate 22%
Loan Term: 48 months
24%
Interest Rate 24%
Loan Term: 60 months
Interest Rate for Annuity Payment Method
An annuity payment is a type of payment where the borrower transfers the same amount to the bank every month.
3%
Interest Rate 3%
Loan Term: 12 months
13%
Interest Rate 13%
Loan Term: 24 months
15%
Interest Rate 15%
Loan Term: 36 months
19%
Interest Rate 19%
Loan Term: 48 months
21%
Interest Rate 21%
Loan Term: 60 months
15%
Interest Rate 15%
Loan Term: 24 months
18%
Interest Rate 18%
Loan Term: 36 months
20%
Interest Rate 20%
Loan Term: 48 months
22%
Interest Rate 22%
Loan Term: 60 months
17%
Interest Rate 17%
Loan Term: 24 months
19%
Interest Rate 19%
Loan Term: 36 months
21%
Interest Rate 21%
Loan Term: 48 months
23%
Interest Rate 23%
Loan Term: 60 months
- Borrower - a citizen of the Republic of Uzbekistan, aged 18 or older but not older than 60 at the time of applying for the loan;
- Total debt burden from all obtained loans, along with obligations from guarantees, does not exceed 70% of the average monthly income;
- No overdue debts from previously obtained loans and other obligations;
- Stable income sustained for at least the last 6 months;
- Insurance contract and policy are issued for the entire loan period;
- Document on income (electronic data is obtained by the bank employee through the Crobs program).
List of documents accepted from the borrower/co-borrower:
- passport or another identity document. If a military ID is provided, a copy of the passport is also required;
- document on income (electronic data is obtained by the bank employee through the Crobs program);
- sales agreement for the purchase of a car in the primary market.
Additional expenses for the loan:
- expenses for state registration of the car;
- car insurance.
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Last updated date: 21.08.2024 17:40
