Download the Joyda mobile application from the App Store or Google Play
Complete the registration and indicate PINFL
Add a fixed income card
When you take out a credit with Joyda
no documents are required
The credit is given to citizens of the Republic of Uzbekistan who are registered in the Joyda mobile application.
Loan purpose:
for any purpose
Loan amount:
from 2 to 100 million sums
Loan term:
from 12 to 36 months
Frequency of repayment:
every month
Loan collateral:
credit default insurance policy
Additional terms:
- the balance of other microloans that the borrower has already taken out with other banks will be taken into account when considering the application
- the fee for the insurance policy used as collateral for the microloan will be deducted from the amount provided as a result of scoring
- the balance of other microloans that the borrower has already taken out with other banks will also be taken into account when determining the loan amount based on the scoring score
Annual interest rate 29 %
Maturity: 12 months
Annual interest rate 30 %
Maturity: 24 months
Annual interest rate 31 %
Maturity: 36 months
age from 20 to 60 years inclusive;
citizenship of the Republic of Uzbekistan;
stable income for the last 6 months;
availability of Uzcard or Humo card of JSCB "Uzpromstroybank";
debt load on all issued loans, guarantee obligation should not exceed 50% of average monthly income;