The Central Bank of Uzbekistan has released data on February 11, on average interest rates for microloans, car loans, and other credit products issued by banks, based on observations from the last ten days.
Report shows that, as of February 9, 2026, the average interest rate on microloans stood at 30.8%. This marks a decrease from 32% on January 12 and 35.7% on August 4, 2025, indicating a six-month decline of nearly 5 percentage points. Microloan rates vary across banks. Tenge Bank reported the highest rate at 42.6%, while nine other banks offered rates between 32.8% and 41.1%. The remaining banks provided microloans below the average rate.
For car loans, the average interest rate as of February 9 was 23%. This represents a slight decrease from 23.2% in January 2026 and 23.8% six months earlier. In the most recent period, the highest recorded car loan rate was 28.2%, with 14 out of 21 banks offering rates above the average, while the remaining banks issued loans within a range of 18–22.9%.
The Central Bank also provided figures for other loan categories. Excluding microloans, the average interest rate for loans issued to individuals over the last ten days was 22.7%, down from 23.8% six months prior. Business loans issued during the same period averaged 23.4%, up slightly from 22.3% six months ago.
The data reflects gradual decreases in interest rates for microloans and car loans, while average rates for business loans have shown a modest increase.
