As of the end of November 2025, the average interest rate on microloans for individuals in Uzbekistan stood at 57.3 percent. This was reported by the Central Bank through its official data. The figures reveal significant market disparities, indicating that borrowers should exercise greater caution when obtaining loans.
According to the data, the lowest interest rate was recorded at Avtogaz Finance Lux, at 40 percent. Relatively favorable conditions were also observed at TBC Credit with 41.6 percent and Sam Finance Power at 44.4 percent. These companies are highlighted as offering some of the most attractive proposals in the microloan market for individuals.
However, on the other side of the market, a completely different picture emerges. The highest interest rate was reported at Kreditomat Tashkent, reaching 109.5 percent. Experts emphasize that such rates pose a significant financial risk for borrowers.
For legal entities and companies, the average interest rate on microloans was 49.5 percent. Although comparatively lower than rates for individuals, it remains at a high level. The most favorable conditions were recorded at Zoodpay — 24 percent, Cash U — 35 percent, and Mabruk Finance — 40 percent.
In conclusion, it is more important than ever to compare companies, carefully study interest rates, and realistically evaluate one's financial capabilities before obtaining a microloan. The market offers both affordable and extremely expensive options — the choice ultimately depends on the borrower.
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