Microloan for any purpose


Up to 100 million sums on card or cash - quickly and easily at the nearest bank office!

"Mikroqarz"

Maximum amount of credit

up to 100 m. sums

Credit rate

from 29 %

Loan period

up to 48 months

Form of credit

cash or credit card
How do I get a credit?
Stages of obtaining a credit

Get a preliminary consultation by phone or at the bank's office

Submit the necessary documents to the bank and wait for a favourable decision

Sign a credit agreement with the bank


Documents required
  • Passport or ID card

  • Surety of an individual

  • Report on the market value of the pledged property

The credit is issued to citizens of the Republic of Uzbekistan aged from 18 to 65 years old

Methods of credit repayment

SMS

Send it to 2500

At the bank

At any offices

By bank card

Via SQB mobile app

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Get credit at SQB mobile
in 5 minutes!

Fill out the online application form and get the bank's decision right now on the SQB mobile app. You only need your passport and bank card details to apply.

Open SQB mobile

Usefull to know
  • Credit terms
  • Borrower requirements
  • Documents required
Basic information

Credit Purpose:

for any purpose

Credit Amount:

2-100 million sums

Loan Term:

12 to 36 months



Loan interest rate change:

unchanged

Frequency of repayment:

every month

Method of repayment:

annuity - equal amounts at equal intervals of time

differentiated - the monthly payment decreases each time the payment is made

Collateral for the credit at the office:

Non-Property Bail:

- surety of an individual

- credit default insurance policy


Property collateral:

- availability of non-residential premise

- car (not more than 5 years from the date of manufacture)

Additional terms and conditions:

- at the client's request, the insurance premium for the risk of non-repayment of the credit can be added to the credit amount

- in this case, the balance of all microloan funds available to the borrower in other banks must also be taken into account

- in this case, the insurance policy premium, which is accepted as collateral for the microloan intended for allocation, if formed from the account of this microloan, is deducted from the amount received as a result of scoring

- in addition, the balance of all microloan funds available to the borrower in other banks must also be taken into account, the credit amount is set based on the scoring score

Conditions of granting a credit for self-employed individuals:

- official registration with the tax authorities as a self-employed person

- having a vehicle not older than 5 years

- availability of non-residential premise


Interest rate
31 %

Annual interest rate 31 %

Maturity: 12 months

32 %

Annual interest rate 32 %

Maturity: 24 months

33 %

Annual interest rate 33 %

Maturity: 36 months

34 %

Annual interest rate 34 %

Maturity: 48 months


27.9 %

Annual interest rate 27.9 %

Maturity: 12 months

28.9 %

Annual interest rate 28.9 %

Maturity: 24 months

28.9 %

Annual interest rate 28.9 %

Maturity:36 months

28.9 %

Annual interest rate 28.9 %

Maturity: 48 months



Files

Microloan agreement

Download
download
When opening in the office 

- citizenship of the Republic of Uzbekistan;
- age from 18 to 65 years;
- official income for the last 6 months, retirement pension, 10% of the main account of IE (minimum 6 months);
- debt load on all issued loans, obligations on guarantee should not exceed 50% of the average monthly income;
- absence of overdue debts on previously received loans and other obligations.



When receiving a microcredit in the office

Documents to be provided by the borrower:

1. Passport or other identity document. If the client is a military serviceman, a copy of his military ID is taken, along with a visual identification of his military ID.

2. Information on income (official income can also be obtained through the bank's electronic program);

3. Documents on collateral. If a property pledge is provided as collateral, a report from an independent appraisal organization;

4. Certificate of registration as a self-employed person with the State Tax Service (if necessary);

Other relevant documents not prohibited by law may also be required during the study of the client.


Documents to be provided by the guarantor:

1. Passport or other identity document. In the event that the client is a military serviceman, a copy of his military ID card is taken, along with a visual identification of his passport or other identity document.
2. Information on income (official income can also be obtained through the bank's electronic program);

Also, other relevant documents not prohibited by law may be required during the study of the client.


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Answers to questions
- Yes, having an SQB card is mandatory. However, you can issue an SQB virtual card online through the JOYDA mobile application.
- In order to pass the scoring, it is necessary to link a salary card

- The amount of the microloan will be determined based on the scoring of your salary card and will not exceed 100 million soums.

- Official employment is a prerequisite for approval. However, if you are a pensioner, you can provide data on pension accruals. If you are self-employed, you will need a statement from the main account of the sole proprietorship (at least 10% of turnover for the last 6 months)
- No. Official income for the last 6 months is required to approve the application.
- Verification is a process that involves verifying identity through the MyID system, which is based on facial recognition technology (face ID).
- It is very difficult to answer this question unequivocally. Most likely, you did not fulfil one or more of the prerequisites for obtaining a loan.

Possible reasons: lack of stable income for the last 6 months, low credit rating, incomplete or incorrect data in the application, non-compliance with age or citizenship requirements, and high credit load.
- Within 5 minutes. However, if there are malfunctions in the system or the bank's OSCE, the time may be extended and it is difficult to know exactly.
– Yes, you can receive the approved amount in cash by applying for a microloan at a bank office.
-Yes, at the client's request, a loan default insurance premium can be added to the loan amount.


Last updated date: 05.09.2025 10:20  
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