Tashkent, Uzbekistan (UzDaily.com) — In Uzbekistan, the average interest rate on car loans remains at 23.7% per annum, according to the Central Bank.

As of 26 August 2025, the average rate on microloans offered by commercial banks stood at 35.9% per annum.

Among car loans, the most favorable rates are offered by Ipoteka-Bank at 20.7% per annum, followed by Orient Finance Bank at 21.8% and Asia Alliance Bank at 22.7%. The highest rates were recorded at Hamkor Bank (28%), Infinbank (28%), and Madad Invest Bank (27.9%).

In the microloan segment, the lowest rate is offered by Alokabank at 22.8% per annum, followed by the National Bank of Uzbekistan at 26% and Trust Bank at 26.1%. The most expensive microloans are provided by TBC Bank, where the average rate reaches 42.3% per annum.

The regulator noted that calculations took into account not only market conditions but also loans issued under preferential programs for businesses and special terms supporting specific sectors of the economy.

The Central Bank also reported that the average loan rate for individuals (excluding microloans) is 24.1%, while for legal entities it is 22.2%.