Receive an initial consultation by phone or at a Bank branch
Submit the required documents to the Bank and await approval
Sign a loan agreement with the Bank
Passport or ID card
Proof of income
Land title document
Documents relating to the security provided for the loan
Proof of registration as a self-employed person
The loan is available to citizens of the Republic of Uzbekistan who are between 18 and 65 years of age, inclusive, on the date of application.

Purpose of the loan:
for the purchase of goods from partner merchants, including legal entities and individual entrepreneurs, connected to the Bank’s Qadam Pay service and integrated into the Bank’s ecosystem.
Loan amount:
from UZS 1 million to UZS 20 million.
Interest rate:
0% per annum.
Loan term:
up to 24 months.
Grace period:
up to 1 month.
Repayment method:
declining balance repayment schedule.
Method of disbursement:
credited to the borrower’s bank card.
Loan security:
personal guarantee, insurance policy, motor vehicle or non-residential property.
Documents required from the borrower or guarantor:

