Tell us about your money
Income, essential expenses and current loans. There's a quick mode with 3 fields if you're short on time.
Income7 000 000
Expenses3 000 000
Current payments800 000
I want a microloan20 mln · 24 mo
Free · no sign-up needed · Uzbekistan
Moliq
Find out which loan suits you — before you go to the bank
The AI navigator reviews your income and expenses, works out a safe payment under CBU rules and fairly compares bank offers.
We don't save data without your consentAds don't affect the order of offersA source and date on every term
Mini check · 3 fields
We account not only for the CBU limit (up to 50% of income on all loans), but also for the money you need for living and a reserve.
Comfortable new payment
Limited by your expenses and reserve, not the CBU limit
Roughly available
Left after expenses
3,200,000 UZS
Debt burden now
11%
Living reserve
700,000 UZS
Debt burden after the new loan47%
0%30%40%CBU limit 50%
Find banks Based on a reference rate of 28% a year. This is not a bank approval.
How it works
Not a list of a hundred loans, but an answer to the main question: what you can afford, where it's offered, and what it will cost.
The finance engine calculates
Free balance, DSTI debt burden against the CBU limit, and a living reserve. Deterministic — no AI "imagination".
Comfortable payment
2 500 000 UZS
Debt burden with a 20 mln microloan27%
0%30%40%CBU limit 50%
Compare real offers
Payment, overpayment and fees at each bank — from published terms, with a check date.
Uzpromstroybank (SQB) · 12–17.5%fits
Asakabank · 18%fits
Uzpromstroybank (SQB) · 18%fits
The decision is yours
You go to the official page of the chosen bank. The bank sets the final terms and approval.
Uzpromstroybank (SQB) — Микрозайм Oila va yoshlar tadbirkori
≈ 941–994 K UZS/mo · overpayment up to 3.8 mln
All in one place
Six tools that cover the customer's path from "I want a loan" to "I found my bank's ATM".
01 · Main
AI Credit
A personal creditworthiness estimate: how much you can borrow, at which banks and what it will cost. We warn you if the amount is too risky.
Calculate02Comparison
Microloans, loans, deposits, cards and exchange rates.
Compare03My index
A financial health index and a plan to improve it.
Find out04AI Assistant
What documents you need and how to apply. With a source in every answer.
Ask05Map
ATMs of all banks: Humo, Uzcard, Visa, foreign currency.
Find nearby06Profile
Phone sign-in, my index and settings.
OpenAI doesn't push you toward the biggest loan. It looks for a sensible one.
Fair comparison
Example: a 20 mln microloan for 24 months on real bank terms. Sorted by full cost — ads don't affect the order.
Uzpromstroybank (SQB)
Микрозайм Oila va yoshlar tadbirkori
Rate
12–17.5%
Payment/mo
941–994 K
Overpayment
up to 3.8 mln
Amount
up to 50 mln
Asakabank
Первый шаг к бизнесу 3
Rate
18%
Payment/mo
998 K
Overpayment
up to 4 mln
Amount
2 mln–100 mln
Uzpromstroybank (SQB)
Микрозайм Yosh tadbirkor
Rate
18%
Payment/mo
998 K
Overpayment
up to 4 mln
Amount
2 mln–100 mln
Uzpromstroybank (SQB)
Green komfort
Rate
20%
Payment/mo
1.02 mln
Overpayment
up to 4.4 mln
Amount
up to 200 mln
Best 4 of 91 microloans where 20 mln for 24 mo is within the bank's terms.
Our rules
The service is free for users. In the future banks may buy advertising — but only as a separate, labelled block. The objective ranking is not for sale.
Money doesn't decide the order
Position in the comparison depends only on the terms and your profile. Sponsored offers are separate and labelled "Ad".
Your data isn't for sale
The quick calculation runs right in your browser. Financial data isn't shared with banks without your explicit consent.
Calculations without LLMs
Payments, rates and amounts are calculated by a deterministic engine using an open method. AI only explains and doesn't invent numbers.
Source and date
Every term has a source link and a check date. If data may be out of date, we warn you.
Questions
No. Moliq gives a preliminary estimate based on banks' published terms and your data. The bank sets the final decision and rate after reviewing the application.
No. It's our own indicator of financial health based on the data you entered. The official score is kept by the credit bureau — we'll integrate with it only with lawful access and your consent.
We take the lower of two: (1) the CBU limit — all loan payments no more than 50% of income; (2) a personal limit — after all expenses and payments you should keep a reserve of at least 10% of income. Details in the method.
Calculations, comparison, the AI assistant and the map work without sign-up. Phone sign-in is needed only for "My index" and your profile with settings.
From open and official sources: bankxizmatlari.uz, bank websites, CBU publications. If a bank publishes a rate range, we show the range and don't invent a personal rate. We load the terms of 34 banks from the CBU financial services portal; the data date is shown next to the offers.
Right now we don't: the service is completely free. Later, through bank advertising (impressions, clicks, applications under partner agreements). Ads are always labelled and don't change the objective ranking.