Ipoteka bank OTP Group offers a flexible auto loan for any new car purchased from official dealerships. Get financing up to UZS 780 million with clear and transparent terms. Choose a down payment between 25% and 50% — the higher the down payment, the lower the rate (26.6 - 27.0% per annum). Loan term — from 12 months to 60 months. Required documents:
- A valid identity document (passport / ID card or an equivalent document);
- A vehicle purchase agreement issued by the authorized dealer. You can apply and receive a decision directly at the dealership — fast and without unnecessary visits.

Application-2 To the regulation on the minimum requirements for the activities of commercial banks in the implementation of relations with consumers of banking services

Information sheet about main terms of the loan

The name of commercial bank, Official website, phone numbers

JSCMB "Ipoteka-bank",
www.ipotekabank.uz
Phone:(78) 150-11-22,
Contact center:1233

Section 1. Credit Information

1.Type of the loan

UNI car loan

2.Purpose of the loan

For personal use

3.Amount of the loan (in national currency)

4.Term of the loan (in month)

Месяц

5.The interest rate during the term of the loan (nominal amount) and the amount payable on this interest amount

649,053,326 сум

6.Grace period for the loan (if exist)

not exist

7.Periodic payments (monthly, quarterly and etc.)

each month

8.Loan repayment method (annuity method (equal amounts), differential method)

Annuity method

9.The amount of a one-time payment during the payment period

23,817,555 сум

10.The form of provision of the loan (transfer of money to the account of the supplier of goods/services, in cash, transfer to a bank card, etc.)

By transferring funds to the client’s account

11.Additional expenses related to the loan (if any):

not exist

12.Bank commissions and fees by type (indicate separately)

not exist

13.Third party services (indicate separately)

not exist

13. Полная стоимость кредита (включает номинальную процентную ставку и расходы на обслуживание кредита)

1,429,053,326 Сум

Section 2. Important conditions related to other financial obligations

1.In case of late repayment of the principal debt (overdue loan)

the Borrower shall pay interest to the Bank in the amount of 1.5 times the interest rate established by this Agreement for the entire period of delay

2.For failure to pay interest within the established time limits

the Borrower shall pay a penalty of 2.0% of the overdue interest amount for each day of delay, but not exceeding 50% of the overdue interest amount

3.Type of collateral

the purchased passenger vehicle, insurance policy

Read carefully before agreeing to take out a loan!

You have the right to receive complete and detailed information from the bank about the terms and amount of the loan, about the procedure for payment and settlement (interest, fines and penalties), about Your rights and obligations under the loan agreement, about the loan agreement about possible risks and responsibilities, as well as other issues that are unclear to you.

If you have complaints, you can send your appeal to +998 78 150 11 22 the digital phone number or 100000, Tashkent, 30 Shakhrisabz Street the address or info@ipotekabank.uz the email address.

ACCURACY OF THE INFORMATION SHEET AND THE AUTHENTICITY IS CONFIRMED. Position and full name of the bank's specialist

Date of completion

Fill out the application — and we will find the best solution for you.

Car loan created for you

Clear terms

Annual rate 26.6 - 27.0%

Fast and beneficial

Approved at the dealership in just a few minutes

Co-borrower - optional

Need more funds? Add a co-borrower

No unnecessary bureaucracy

Passport and vehicle purchase agreement - that’s all you need

Make payments the way you prefer

Submit your application via mobile app or on the website

FAQs

Which vehicles are eligible under the UNI car loan program?

The UNI car loan is provided for the purchase of new vehicles of any brand and model (primary market) from official dealers in Uzbekistan.
The maximum loan amount is up to UZS 480 million*.

* The loan amount may be higher (but not more than 780 mln. UZS) if the share of car loans with a loan amount of more than 480 mln. UZS in the total car loan portfolio issued after October 06, 2025 is below 15%.

What down payment is required?

The available down payment options under the UNI program are 25%, 40%, or 50%.

The interest rate depends on the down payment amount:
– 27.00% with a 25% down payment;
– 26.80% with a 40% down payment;
– 26.60% with a 50% down payment.

What loan term is available?

The loan term is up to 60 months.

Is early repayment of the car loan allowed?

Yes. Both full and partial early repayment are allowed without any commissions or additional charges.