Online microloan
Advantages
Conditions
| Interest rate | from 30% per annum to 45% per annum (including) |
| Minimum amount | 1,000,000 UZS |
| Maximum amount | 90,000,000 UZS |
| Provision form | by transferring funds to the Client's account opened in Tenge Bank |
| Minimum term | 6 month |
| Maximum term | up to 36 months |
| Currency | UZS |
| Debtor | Individuals - citizens/residents of the Republic of Uzbekistan, aged from 21 to 60 years (with 60 being the maximum age as of the last working day of the loan term), who have income from their activities (confirmed salaries, pensions, accumulated pension contributions, paid taxes, and other income, including funds credited to bank accounts and transactional receipts) for a period of at least 6 consecutive months but not more than 12 months preceding the date of application to the Bank. |
| Interest rate on expired main debt | 1.5 times the interest rate which is calculated on the remaining debt of a loan |
| Repayment Method. | Annuity Payment |
| Loan Collateral | Insurance Policy |
| Documents required for a microloan application |
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Note:
*Through an account opened in Tenge24 (through virtual HUMO Virtual, Uzcard Virtual, Mastercard Virtual cards)
Total cost of loan (TCL) – debtor’s payments on loan contract, amount and terms of payment which are known by the moment of its conclusion, including payments in favor of the third parties that are identified by contract, if Debtor’s obligation on such payments is under conditions of contract. Total cost of loan is calculated at annual percentage.
- The following Debtor’s payments are taken into account:
- main debt and interest rates,
- in favor of the Bank – creditor, if the Debtor’s obligation on such payments is under conditions of contract and (or) if provision of credit or loan depends on making such payments;
- in favor of the third parties, if debtor’s obligation on such payments is under conditions of contract, including payments:
- in favor of an insurance company, if the Bank is beneficiary under the insurance contract in case of insurance accident;
- in favor of an insurance company while insuring the subject of a pledge by contract, which provides obligations of a client under contract and is located in the use of a pledgor;
- guarantor (sponsor) for obtaining guarantee (sponsorship) as well as appraiser for evaluating a property transferred for collateral;
- in favor of organizations (mediators) that deliver services to the Bank to attract clients, implement verification of provided documents of clients to get credit or loan, accept payment and transfers from the Bank’s clients to the account of credit or loan repayment.
Calculation of TCL value is made by the Bank by the end of contract taking into account all payments which are under the paragraph.
- Calculation of TCL does not include:
- Debtor’s payments in favor of the third parties, excluding payments mentioned in paragraph 1 (see above);
- Debtor’s payments which are connected with noncompliance the terms of contract including forfeit and other types of penalty sanctions;
- payments on credits (loans) which are provided by using the Bank’s credit cards, particularly:
- commissions for implementing operations in a currency that differs from the currency of the account (the currency of provided credit);
- commissions for issuing and serving the Bank card;
- commissions for receiving the sum of credit (loan) by cash with using ATMs.
While calculating TCL, it is rounded to one decimal place. If two decimal places are equal to 5 or above, then one decimal place is increased by one.
Example: The indication of TCL is 18,66%. After rounding it is equal to 18,7%.
Information about total cost of each loan is delivered to debtors before issuing loan contracts in a compulsory order.
Credit calculator
How to apply?
Download Tenge24 mobile application
Complete identification
Submit an application in 5 minutes without leaving home!
Documents
Frequently Asked Questions
Due to updated security requirements, the procedure for the Bank to obtain data through the OneID system has changed.
Now, to continue your loan application, you must independently grant permission for access to your personal data in the OneID app.
Starting from February 6, access to your data is possible only after your consent in the OneID system.
To proceed with the loan application review, you need to manually grant permission in the app.
This is a mandatory requirement aimed at strengthening personal data protection.
Yes. Access is granted through the government OneID system, and:
You independently decide whether to grant access to your data;
Access can be revoked at any time;
The Bank uses the data solely for application processing.
No. The change applies only to new loan applications.
All existing loans, payments, and transfers continue to operate as usual:
existing loans remain unchanged;
payments and transfers are processed as usual;
access is required only for new applications.
The setup takes just a few minutes:
Open the OneID app;
Go to the “Data Management” section;
Find Tenge Bank in the list;
Grant permission to access your data.
After completing these steps, you can continue your loan application.