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Car on credit -
simple and easy!
simple and easy!
To buy a car from the manufacturer and its official dealers, as well as insurance payments.
First instalment
from 25%
Interest rate
from 25%
Repayment period
up to 3 years
Loan amount
up to 75% of the car price
Get insurance free when you apply for a loan!
Loan terms and conditions
Get a preliminary answer
in 2 minutes!
in 2 minutes!
Doubtful about getting a loan? Fill in the online application form and get an instant decision from the bank! All you need is your passport or ID card details.
Find out the bank's decision
Steps to get a loan
Make a preliminary application on the website or get a consultation by phone or at the bank's office.
Get the bank's preliminary decision on the car loan issue
Submit the necessary documents to the bank, sign the loan agreement and become a happy car owner!
Documents required
Passport or ID card
Purchase and sale agreement
The loan is granted to citizens of the Republic of Uzbekistan between the ages of 18 and 65.
Methods of loan repayment
SMS
Send to number 2500
At the bank
In bank offices
From card
Via JOYDA mobile application
Find out if you'll be approved for a loan
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Choose the car make and model
Check with your dealer for model, trim, and color availability
Car Price
Select Repayment Type
Annuity
Differentiated
For Term
Repayment Schedule
*Calculations are for information only. Total amount will be calculated individually.
Step 1/3
Probability of Approval: +10% for completing the first step
Enter personal data
Personal Information
What's the purpose
of the pre-application?
of the pre-application?
This application has an introductory function to determine the creditworthiness of the payer and is not an offer contract. By filling in the application form, you will receive a preliminary decision from the bank on the granting of a loan.
Useful to know
Basic information
Purpose of the loan:
purchase of a car (mini-truck) from the manufacturer or official dealers, as well as organisations that have signed a general cooperation agreement with the Bank, and payment of insurance claims.
Loan term:
till 36 months
Grace period:
4 months (with differentiated method)
Loan Amount:
based on the terms of the agreement (up to 75% of the value of the car)
First instalment:
from 25%
Repayment method:
- annuity - equal amounts after the same period of time
- differentiated - monthly payment decreases each time
Loan security:
insurance policy against the risk of non-repayment of the loan until the car purchased on credit is put up as collateral.
Loan interest rate
50%
Interest rate 26%
Loan term: 12 months
40%
Interest rate 27%
Loan term: 24 months
25%
Interest rate 28%
Loan term: 48 months
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.
- The borrower - a citizen of the Republic of Uzbekistan who has reached the age of 18 and is not older than 65 on the day of the loan application;
- Debt burden of all issued loans together with guarantee obligations does not exceed 70% of the average monthly income;
- No outstanding debts on previously obtained loans and other obligations;
- Continuous and uninterrupted income for at least the last 4 months;
- The insurance contract and policy must be issued for the entire duration of the loan;
- Documentation of income (electronic data obtained by the bank officer through the Crobs programme).
List of documents accepted from the borrower/co-borrower:
- Passport or other form of identification. If a military ID is presented, a copy of the passport is also required;
- Documentation of income (electronic data obtained by the bank officer through the Crobs programme);
- Contract of sale for the purchase of a car on the primary market;
Additional loan costs:
- Cost of state registration of the car
- Car insurance
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Last updated date: 21.08.2024 17:40
