TASHKENT, Uzbekistan, August 27. The Central Bank of Uzbekistan has announced that the average annual interest rate on car loans remains at 23.7 percent as of August 26, 2025. Despite slight differences across commercial banks, lending conditions for vehicles have largely stabilized.
Data obtained by Trend from the Central Bank (CBU) shows that the most favorable car loan conditions are currently offered by Ipoteka Bank at 20.7 percent per annum, followed by Orient Finance Bank with 21.8 percent and Asia Alliance Bank with 22.7 percent. At the same time, the highest rates are observed at Hamkor Bank and Infinbank, where they reach 28 percent, as well as at Madad Invest Bank, where loans are issued at 27.9 percent.
In the microloan segment, the average rate across commercial banks stands at 35.9 percent. The lowest rate is provided by Alokabank at 22.8 percent, while the most expensive loans are recorded at TBC Bank, where the average rate reaches 42.3 percent.
The Central Bank also reported that the average lending rate for individuals, excluding microloans, is 24.1 percent, while loans for legal entities are issued at an average of 22.2 percent. It emphasized that the calculations reflect not only market dynamics but also the impact of preferential programs supporting businesses and selected sectors of the economy.
