Bank Eskhata review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Bank Eskhata lends directly to Tajik citizens at a fixed rate, with a decision in Decision in 5 minutes, money credited to account immediately. It suits borrowers who need home improvement cash quickly and can live with a 29% that sits well above the 12% site median.

Key facts

Best for
Tajik citizens needing a small home improvement loan released the same day.
APR
29% (Source, checked September 26, 2026)
Loan amount
TJS 100 to TJS 10,000 (Source, checked September 26, 2026)
Term
1 to 24 months (Source, checked September 26, 2026)
Arrangement fee
0 TJS (Source, checked September 26, 2026)
Funding time
Decision in 5 minutes, money credited to account immediately (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Tajik citizenship, age 21-63 at loan end, 6 months at current job (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Car, Secured, BNPL, Business (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
OAO "Bank Eskhata" (Source, checked September 26, 2026)
Headquarters
Tajikistan (Source, checked September 26, 2026)
Support channels
Phone, Chat, Email (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
eskhata.com

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedIn

Pros and cons

Pros

  • No origination fee: 0 TJS and 0%
  • Funding is fast: Decision in 5 minutes, money credited to account immediately
  • Lends directly, with a fixed rate of 29% on fixed rate
  • Support runs on phone, chat and email

Cons

  • The 29% is high next to the 12% site median
  • Terms run 1 to 24, shorter than the 60 site upper quartile
  • Amounts cap at TJS 100 to TJS 10,000, below the €876.96 site median
Bank Eskhata

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Tajik citizens with a minimum age and a waiting period at their current job who need money today
  • Home improvement borrowers who want a fixed rate and no origination fee
  • Applicants happy to take 1 to 24 rather than a longer repayment

Who should look elsewhere

  • Anyone outside Tajikistan, since eligibility needs Tajik citizenship
  • Borrowers who want the longest terms, as terms run 1 to 24
  • Monzo Flex users after a lower rate, since its APR runs 10% to 23%

How your money is protected

Bank Eskhata is a direct lender, so you deal with the bank itself rather than a broker or marketplace. A decision comes in Decision in 5 minutes, money credited to account immediately and the loan is credited to your account immediately. The licence for the group sits with the National Bank of Tajikistan in Tajikistan. Rates are fixed, at fixed, so payments do not shift with market rates.

The company behind it

The lender is OAO "Bank Eskhata", headquartered in Tajikistan. It writes personal, car, secured, buy now pay later and business loans, with home improvement the stated use case. Support runs on phone, chat and email, so you can reach the bank by phone, chat or email. Loan sizes run TJS 100 to TJS 10,000 on terms of 1 to 24.

How Bank Eskhata compares

Where Bank Eskhata is available

Available
Tajikistan
Licence in Tajikistan
National Bank of Tajikistan, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Bank Eskhata charge?+

The rate is fixed, at 29% under a fixed rate model. That is well above the 12% median across the site, so the borrowing cost is the main thing to weigh. Eligibility is limited to Tajik citizens with a minimum age and a waiting period at their current job.

Are there any fees to arrange the loan?+

No. The origination fee is 0 TJS, and the percentage fee is 0%, so setting the loan up costs nothing on these figures. You still pay interest on the amount you borrow, and the rate is 29%.

How much can I borrow and for how long?+

Loan amounts run TJS 100 to TJS 10,000, and terms run 1 to 24. The top of that range is short against the 60 site upper quartile, so a large purchase may not fit. The stated use case is home improvement, and the bank also writes car, secured and business loans.

How quickly will I get the money?+

The stated timing is Decision in 5 minutes, money credited to account immediately, with same day funding listed as a feature. Funds go to your account rather than being sent as a transfer to another name. It suits anyone who needs cash within the same working day.

Is Bank Eskhata regulated?+

The bank holds a licence in Tajikistan under the National Bank of Tajikistan. It is a direct lender, not a broker, so the contract is with OAO "Bank Eskhata" and the headquarters are in Tajikistan. Support runs on phone, chat and email if you need to query the loan.

Who can apply?+

Applicants must be adults, hold Tajik citizenship, sit within the age range at the end of the loan, and have completed a waiting period at their current job. Applications from outside Tajikistan are not eligible, which rules out most of the brands compared here.

How does the rate compare with other lenders?+

Bank Eskhata charges 29% on a fixed basis. Monzo Flex runs 10% to 23% and Cashspace runs PHP 12 to PHP 36, both cheaper on these figures. The bank's own APR ranking on the site is 282 out of 350 brands.

Sources

  • eskhata.com checked September 26, 2026

    Backs: Headquarters, Loan types, Support channels

    “Head office address: Khujand, 135 Gagarin street”

  • eskhata.com/about checked September 26, 2026

    Backs: Legal entity, Licences

    “OAO "Bank Eskhata" - one of the most reliable and modern banks of Tajikistan”

  • eskhata.com/loans/online checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Funding time, Lender type, Pricing model, Arrangement fee, Origination fee (%), Rate type, Term, Use cases

    “Amount 100 - 10,000 somoni”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check, Representative example.

Bank Eskhata

Bank Eskhata

Tajik citizens needing a small home improvement loan released the same day.

9.0/10See alternatives

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