General terms
• Currency: Uzbek soum
• Collateral: not required
• One-time disbursement fee: none
• Grace period: none
• Repayment: monthly, annuity or differentiated payments
• Early repayment: allowed, interest charged for the actual period of use
• Penalty: 1% of the overdue payment per day, starting from the 6th day of delay
Client requirements
• Age: from 21 to 70
• Permanent employment and/or income (at least 1 year of total experience, at least 3 months at the current job)
• No overdue debt on existing loans or microloans
• No family ties with the servicing credit specialist
Documents
• Original ID document (permanent or valid temporary registration in Uzbekistan)
Processing
• Application review — up to 3 business days
• Disbursement — no later than 30 business days after signing: cash at the cash desk or transfer to a card/account
• Proof of intended use is not required
Special terms
• Right to the next cycle — if the client used at least half of the previous cycle's term
• Moving to the next cycle is possible if the client applies within 365 days of fully repaying the previous loan
• No continuous overdue of more than 21 days
• The product is for new clients; existing clients start from the 4th cycle
