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Repaying early: how much you can save
Interest is charged only on what you still owe: close the loan early and you skip the interest for the remaining months.
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SABRMicrofinance OrganizationLoading…Every condition in one place: monthly rates, fees, answers to common questions and ways to reach us.
| Product | Rate: monthly (annual) | Amount | Term | Requirement |
|---|---|---|---|---|
| Microloans | ||||
| Guarantee — group guarantee | 5–6,1%(60–73,2%) | 2 – 15 mln UZS | 3–12 months | Guarantee from a group of 3–7 people |
| Guarantee — for those without an official job | 6%(72%) | 2 – 7 mln UZS | 3–12 months | 2 guarantorsInsurance policyNo income certificate required |
| Guarantee — for those with an official job | 5%(60%) | 2 – 22 mln UZS | 3–24 months | Income certificate required from the borrower and the guarantor |
| Collateral — secured by a vehicle | 4%(48%) | 2 – 50 mln UZS | 3–36 months | Car as collateral |
| Microcredit | ||||
| Microcredit for entrepreneurs | 4%(48%) | 30 – 300 mln UZS | 6–36 months | Sole trader (YaTT) or small businessPledge or guarantee worth 125% of the loan |
Rates are monthly; in brackets is the nominal annual rate (monthly × 12). Interest is charged on the remaining principal. Calculations are estimates; the exact terms are in the contract.
Pay your loan in whichever way suits you. The payment schedule is given to you with the contract.
At our cash desk, during working hours.
2A A. Bakhodirkhan Street, Samarkand 140108
Mon–Fri 9:00–18:00, lunch 13:00–14:00
In the app, with your contract number. Your loan officer gives you the number, or you can get it by calling our reception.
From any bank to the details below. Put your full name and contract number in the payment reference.
If a payment date falls on a weekend or a public holiday, you pay on the next working day.
Under our credit policy, loans are not given for the following purposes.
A loan is an obligation. Not repaying it on time creates a financial risk.
Your monthly payments on all loans together should not exceed half of your income. See the first payment in the calculator and talk it over with your family before applying.
With the “Credit ban” service you can block loans in your own name for free: on the credit bureau (KATM) portal, on my.gov.uz or at a public services centre. While the ban is active, no bank or lender can issue a loan in your name.
Interest is charged only on what you still owe: close the loan early and you skip the interest for the remaining months.
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Citizens of Uzbekistan aged 18 and over. We serve Samarkand city and the Akdarya, Payarik, Ishtikhan, Urgut and Taylak districts.
No documents are needed to apply on the website — your name and phone number are enough. To arrange the loan you will need an ID card or a biometric passport. Depending on the product and your situation, the loan officer may ask for more documents and will tell you which ones by phone.
No. There is no fee for reviewing the application, issuing the loan, account service or early repayment. You only pay monthly interest on the remaining balance.
Monthly interest is charged only on the remaining principal. The principal is repaid in equal parts, so the payment goes down every month. The calculator on this site shows an estimated schedule; the exact one is in the contract.
Yes, at any time and free of charge. Interest is charged only for the days you actually used the loan.
Choose whichever is convenient: at our office, in the Click, Payme or Paynet apps, or by bank transfer. Bank details and each method are in the «How to pay» section on this page.
Your loan officer gives you the contract number when the loan is issued. You can also get it any time by calling our reception.
A penalty of 1% per day is charged on the overdue principal, for up to 30 days. If you are having trouble paying, contact us before the due date and we will look at your situation together.
You form a group of 3–7 people you know and trust. Each member gets their own loan, and the group guarantees that everyone pays on time. No collateral is needed. Only one person per household can take part.
If you have a question, a suggestion or a complaint, call us or visit our office. Every request is reviewed and answered.
Mon–Fri 9:00–18:00, lunch 13:00–14:00
Saturday and Sunday — closed