Consumer credit
Convenient credit for goods and services.
Credit amount
Interest rate
Maturity date
Grace period*
Calculator
How to get 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
Passport or ID-card
Income statement
Сredit security documents
The credit is issued to citizens of the Republic of Uzbekistan aged from 18 to 65 years old
SMS
Send to number 2500
At the bank
In bank offices
From card
Via SQB mobile app
Purpose of the loan:
for the purchase of consumer goods, works and services
Loan amount:
up to 200 million sums
Method of repayment:
differentiated/annuity
Annual interest rate:
Within the framework of the salary project: from 25%
For clients with official income: from 26%
For self-employed persons: from 27%
Grace period*:
up to 3 months (on a differential schedule)
Repayment schedule:
differential/annuity
Credit collateral:
- up to -100 million soums: third party + insurance policy
- over -100 million soums: real estate or a autotransportations not older than 5 years
Form of loan disbursement:
Credit funds are transferred to the bank account of the manufacturer of consumer goods (works, services), its official dealer or the legal entity selling them, based on a concluded contract.
Additional Conditions:
if the client has existing or closed loans If 3 or more late payments with a term of more than 90 days are detected, the loan will not be allocated.
- The borrower must be at least 18 years old on the date of application for a loan and not more than 70 years old at the time of the last loan repayment (including 70 years);
- Have a permanent job, including wages, pensions, dividends, income from renting property, as well as other sources of income not prohibited by law and confirmed by documents, sufficient to pay the accrued interest and principal on the loan each month in accordance with the repayment schedule.
Requirements for self-employed individuals:
The loan is provided to self-employed individuals under the following conditions:
- Be registered as a self-employed person with the State Tax Service;
- Provide a vehicle or real estate collateral no older than 5 years (if the collateral is a residential property, it should not contain permanent residents);
- The average monthly income of a self-employed person is determined through the bank's electronic program, based on the receipts received from the borrower's bank accounts (cards) connected to the "SQB Mobile" mobile application for at least 6 consecutive months preceding the date of application.
The procedure for calculating income:
- If the client applies before the 5th of the month (including this day), the income received after the 25th of the month applied for and the previous month (excluding the 25th) will not be considered as income. Only the income of the previous 6 months will be taken into account in the calculation.
- If the client applies after the 5th of the month, the income of the month applied for will not be considered as income. Only the income of the previous 6 months will be taken into account in the calculation.
Reuse procedure:
Self-employed citizens who have used this type of loan in the system of "Uzpromstroybank" JSCB and have fully repaid their existing debt are allowed to use this loan again.
Documents to be provided by the borrower
Passport or other identity document (the borrower has the right to submit it in digital form using YaIDXP). If the borrower is a military serviceman, his military ID card will be visually identified and a copy of his passport or other identity document will be taken.
Income information (official income is obtained through the bank's electronic program).
A purchase and sale contract concluded with an entity (legal entity) that produces or sells consumer goods (services).
Documents on collateral. If property collateral is provided, submit a report from an independent appraisal organization.
Certificate of registration as a self-employed person with the state tax service authorities (if necessary).
Other relevant documents specified in the legislation may also be required.
Application sent Last updated date: 05.09.2025 12:22
