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Updated: 07-07-2026
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up to 1 000 000 UZSloam amount -
from 30%loan interest rate -
up 12 monthsloan term
«TEZ VA QULAY 2.0» microloan
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Monthly payment
Interest rate
| Indicator | Value / Description |
| Customer Segment | For individual citizens of the Republic of Uzbekistan who have attained the age of 18 years |
| Lending Method | Through the mobile application of JSC “Garant bank” (online). |
| Maximum Loan Amount | Up to UZS 1,000,000.00 (one million Uzbek soums). |
| For individuals with official income | Up to UZS 1,000,000.00 (one million Uzbek soums). |
| For self-employed individuals | Up to UZS 500,000.00 (five hundred thousand Uzbek soums). |
| Loan Term | Up to 12 (twelve) months. |
| Loan Grace Period | Not available |
| Loan Purpose | A microloan provided to individuals for personal needs |
| Loan Currency | National currency (Uzbek soum) |
| Loan Disbursement Method | It is carried out by transferring funds to the client’s virtual bank card opened in the system of JSC “Garant bank”. |
| Loan Interest Rate For individuals with official income | At the rate of 30% |
| Loan Interest Rate For self-employed individuals | At the rate of 35% |
| Interest rate applied to overdue loan debt For individuals with official income | At the rate of 45% |
| Interest rate applied to overdue loan debt For self-employed individuals | At the rate of 50% |
| Interest accrual | Interest is accrued daily at a fixed interest rate and repaid under an annuity or differentiated repayment schedule in accordance with the established payment schedule |
| Basic requirements for the client when granting a loan | - Availability of official income for at least 2 (two) consecutive months. - Absence of any outstanding debt subject to enforcement proceedings initiated by the Bureau of Compulsory Enforcement. |
| Special Conditions | 1. The loan application is rejected if the individual has an existing application for the same loan product. 2. The loan product “TEZ VA QULAY ONLINE 2.0” is granted to the client only after full repayment of the existing “TEZ VA QULAY ONLINE” loan. |
| Loan collateral | In an amount not less than 125% of the loan amount. In this case, an insurance policy covering the risk of loan non-repayment is accepted as loan collateral. |