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Updated: 10-08-2026
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up to 600 000 000 UZSloan amount -
from 21.9%interest rate -
up to 60 monthsloan term
| Parameter | Value / Description |
| Credit Definition | A credit product for individuals to purchase previously unused vehicles on credit, as well as to pay the insurance premium for insuring the credit collateral (pledge) from the credit account. |
| Customer Segment | Citizens of the Republic of Uzbekistan aged over 18 |
| Lending Method | Through a closed credit line. |
| Credit Amount | Up to 600.0 (six hundred) million soums. |
| Credit Term (CT) | Up to 60 (sixty) months; |
| Grace Period | Up to 3 months. |
| Purpose of Credit | For the purchase of a previously unused vehicle, as well as for paying the insurance premium for insuring the credit collateral (pledge) from the credit account. |
| Credit Currency | National currency (soums). |
| Form of Credit Disbursement | For the vehicle — by transferring funds to the account of the selling dealer or car dealership. And, for the insurance organization — by transferring funds to the account of the insurance organization. |
| Loan Application Method | Loan applications are accepted only at Garant bank branches (offline). |
| Interest Calculation | Interest is calculated daily at a fixed rate and repaid according to the set schedule in annuity / differential form. |
| Product Collateral | Collateral in the form of the vehicle purchased with the credit funds, as well as an insurance policy against the risk of non-repayment of credit for the insufficient part of the collateral. The collateral shall be at least 125% of the credit amount. In this case, the vehicle purchased on credit is determined as credit collateral in accordance with the Bank's current Credit Policy. For persons related to the Bank, the credit collateral is 130%. |
| Key Eligibility Requirements for Loan Approval | • The applicant must have a positive credit history; • The applicant must not have any overdue loan debt as of the loan approval date; • Applicants with official income must have documented income credited to their bank accounts continuously for the last 6 months or during the last 12 months; • Self-employed applicants must provide a certificate confirming their self-employed status; • The applicant must be at least 18 years of age; • As of the loan approval date, the applicant must not have any outstanding payment obligations under enforcement proceedings initiated by the Bureau of Mandatory Enforcement; • The applicant must meet the Bank's debt burden (debt-to-income) requirements. |
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List of Documents Required for Obtaining a Loan
1. Loan application and confirmation that the applicant has been informed about the loan risks (Check-list).
2. Identity document (biometric passport, ID card, or new-format driver's license).
3. Vehicle purchase and sale agreement.
4. If married, a certificate issued by the Civil Registry Office (ZAGS) and the spouse's consent application. For unmarried applicants, a certificate confirming unmarried status issued by the Public Services Center.
5. Certificate confirming self-employed status (if applicable).
6. The Bank reserves the right to request additional documents where necessary.
2. Identity document (biometric passport, ID card, or new-format driver's license).
3. Vehicle purchase and sale agreement.
4. If married, a certificate issued by the Civil Registry Office (ZAGS) and the spouse's consent application. For unmarried applicants, a certificate confirming unmarried status issued by the Public Services Center.
5. Certificate confirming self-employed status (if applicable).
6. The Bank reserves the right to request additional documents where necessary.