Humo Bank review

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

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Our verdict

Humo Bank suits Tajikistan residents with formal income who want a personal loan or credit line handled in the app. Borrowing runs TJS 50 to TJS 100,000 on terms of 3 to 48, and a hard credit check means the file decides the outcome.

Key facts

Best for
Tajikistan residents with formal income wanting a personal loan and a credit line from one lender.
APR
32% (Source, checked September 26, 2026)
Loan amount
TJS 50 to TJS 100,000 (Source, checked September 26, 2026)
Term
3 to 48 months (Source, checked September 26, 2026)
Arrangement fee
Up to 1% of the loan amount (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
In app within 30 seconds; decision within 3 days for an online application (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Passport of the Republic of Tajikistan, TIN and income certificate (Source, checked September 26, 2026)
Origination fee (%)
1% (Source, checked September 26, 2026)
Loan types
Personal, Credit-line (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Legal entity
CJSC Humo Bank (Source, checked September 26, 2026)
Headquarters
Tajikistan (Source, checked September 26, 2026)
Founded
2025 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding, Credit line
Official website
humo.tj

Apps and profiles

Get the app
Google Play

Pros and cons

Pros

  • Lends direct as a bank rather than routing you through a broker
  • Personal loans and a credit line listed on the same offer
  • An online decision in a few days, money in the app in seconds
  • Reach the bank on phone, chat and help centre when a payment needs explaining

Cons

  • Borrowing costs sit high: 32% against a 12% site median
  • A Up to 1% of the loan amount origination fee adds to a credit line
  • A hard credit check means a rejected file cannot apply

Ready to try Humo Bank?

Scored 8.7 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers in Tajikistan holding a passport, tax number and income papers
  • People who want a credit line and a personal loan from one lender
  • Applicants who value a quick in-app decision over a low rate

Who should look elsewhere

  • Cost-first borrowers: Monzo Flex runs 10% to 23% against Humo Bank's 32%
  • Anyone after the lowest cost: Cashspace ES lists an APR of 0%
  • Borrowers with no income certificate, as eligibility asks for proof of income

How Humo Bank compares

Where Humo Bank is available

Available
Tajikistan
Licence in Tajikistan
National Bank of Tajikistan (NBT) (0000344), checked September 26, 2026

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

Frequently asked questions

What rate does Humo Bank charge on its loans?+

The stated rate is an APR of 32% on both the personal loan and the credit line. That sits above the 12% median across the site, so cost is the main thing to weigh before applying.

What are the fees on a Humo Bank loan?+

An origination fee of Up to 1% of the loan amount is listed on the credit line, so it sits on top of the interest. The personal loan and the credit line both run on the same 32% rate, which keeps the pricing simple to read.

How much can I borrow and for how long?+

Borrowing runs TJS 50 to TJS 100,000 on the personal loan, with terms of 3 to 48. The same offer also lists a credit line, so a limit can be drawn and reused rather than repaid as a single fixed sum.

Does Humo Bank check your credit?+

Yes, the application runs a hard credit check, and the credit needed is listed as fair. A decision therefore rests on your credit file rather than a soft prequalification, so read your record first.

Is Humo Bank regulated and is my money protected?+

Humo Bank holds a licence from the National Bank of Tajikistan, 0000344. It lends as a direct lender rather than passing your application to a third party, so the bank itself carries the loan on its own book.

How fast do I get the money?+

An online application is decided within a few days, and the money can then reach the app within seconds. Humo Bank lists same day funding and credit line among its features, so speed is part of the offer rather than a later step.

Who can apply for a Humo Bank loan?+

Applicants need a Tajik passport, their tax identification number and proof of income. Alongside those documents the bank asks for a fair credit profile and runs a hard credit check, so the paperwork counts as much as the score.

How do I get help with my account?+

Support runs through phone, chat and help centre, so help arrives in a single market rather than across providers. The bank is headquartered in Tajikistan and lends as CJSC Humo Bank, so the lender behind the loan is named in the licence.

Sources

  • humo.tj/en checked September 26, 2026

    Backs: Legal entity, Licences

    “(c) 2026 CJSC «Humo Bank»”

  • humo.tj/en/about checked September 26, 2026

    Backs: Founded, Headquarters

    “In 2025 year: Obtained a banking license, transformed into “Humo Bank””

  • humo.tj/en/credit checked September 26, 2026

    Backs: Credit needed, Eligibility, Arrangement fee, Origination fee (%)

    “A loan application may be declined if an applicant has a history of missed or late payments on previous credit obligations ... or if the applicant lacks stable employment or permanent residency”

  • humo.tj/en/credit/orzu checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Features, Lender type, Loan types, Term

    “Loan product "Orzu": Up to 100 000 s loan amount; calculator Loan amount from 50 to 100 000”

  • online.humo.tj/en checked September 26, 2026

    Backs: Funding time, Support channels

    “The "Orzu" service lets you receive up to 50,000 somoni in 30 seconds anywhere; Fill out the form on the website and receive a decision within 3 days”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

Humo Bank

Tajikistan residents with formal income wanting a personal loan and a credit line from one lender.

8.7/10See alternatives

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