Auto Loan Cobalt Special
Apply at UzAuto dealerships with a down payment from 30%
Apply in 5 minutes
Easy approval
The entire process—from submitting the application to approval—can be handled right at the dealership, quickly and without any extra trips
Flexible terms
Annual rate 21%
Fast decision
Up to 480M UZS financing - for Chevrolet Cobalt
Calculate the rate
1 млн
1 млрд
1 млн
1 млрд
Rate up to: %
Monthly payment
1 489 200 cумов
Calculation is approximate. Exact terms apply upon application
Submit an application
Models
Chevrolet Cobalt
Loan amount
up to UZS 480 million
Down payment
from 30%
Interest rate
21%
Term
up to 5 years
Requirements
- A valid identity document (passport / ID card or an equivalent document);
- A vehicle purchase agreement issued by the authorized dealer.
- A vehicle purchase agreement issued by the authorized dealer.
Where to apply
official UzAuto dealerships across Uzbekistan
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
www.ipotekabank.uz
Phone:(78) 150-11-22,
Contact center:1233
Section 1. Credit Information
1.Type of the loan
Cobalt Special 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)
Months
5.The interest rate during the term of the loan (nominal amount) and the amount payable on this interest amount
%
299,136,762 sum
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
12,985,613 sum
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
14.Total cost of the loan (includes nominal interest rate and loan servicing costs)
779,136,762 sum
Section 2. Important conditions related to other financial obligations
1.In case of delay in payment (principal and interest according to the repayment schedule)
the Borrower shall pay the Bank a penalty in the amount of 2% of the overdue amount for each day of delay
2.For delay in execution of the pledge
the Borrower shall pay a penalty in the amount of 2% of the first scheduled payment (which includes repayment of a portion of the principal) for each day of delay
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
Get a preliminary decision in just 10 minutes
Simply enter your name and phone number. Our specialist will call you and explain the next steps.
A car loan created for you
Clear terms
Annual rate 21%
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
The minimum down payment is 30% of the car’s purchase price. The programme also offers options with down payments starting at 40% and 50%. A larger down payment means a smaller loan and lower monthly repayments.
Yes. You can apply and receive a loan decision at an authorised UzAuto dealership, provided a bank representative is on site. There is no need for a separate visit to a bank branch at this stage.
Citizens of Uzbekistan aged 21 or over with a regular income can apply. You must be under 65 at the end of the loan term. The bank will also assess your ability to repay the loan and your existing debt obligations.
Yes. If you have difficulty providing formal proof of income, you can state your income on a self-declaration form.
The additional documents required will depend on the size of your down payment.
The additional documents required will depend on the size of your down payment.
Yes. If your income is not enough to qualify, you can add one co-borrower to your application.
The bank will assess both applicants’ income and existing debt obligations.
The bank will assess both applicants’ income and existing debt obligations.
Yes. The car must have comprehensive insurance (CASCO) for the entire loan term. The sum insured is based on the car’s full purchase price.
You can pay the insurance premium separately or include it in the loan amount.
You can pay the insurance premium separately or include it in the loan amount.
Yes. You can repay all or part of the loan early without penalties, fees or any other additional charges.
Yes. The Chevrolet Cobalt you buy serves as collateral for the loan. After purchase, you must formally pledge it to the bank within the timeframe specified in your loan agreement.
The bank charges no fees for arranging the pledge or recording it in the collateral registry.
The bank charges no fees for arranging the pledge or recording it in the collateral registry.
You can purchase KASKO online on the Imkon Sug’urta website — it is fast and convenient.
To do this, choose a package, fill in vehicle and owner details, confirm your application, and pay for the policy online. After payment, you will receive your electronic policy via SMS immediately.
Additionally, you can add the Litro “Road Assistance” subscription (within the Oson start package) or get it for free with the Qulay plus and Ishonch premium packages.
To do this, choose a package, fill in vehicle and owner details, confirm your application, and pay for the policy online. After payment, you will receive your electronic policy via SMS immediately.
Additionally, you can add the Litro “Road Assistance” subscription (within the Oson start package) or get it for free with the Qulay plus and Ishonch premium packages.
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Last updated: 15.09.2026