TBC UZ Friends review

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

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Our verdict

TBC UZ Friends suits borrowers in Uzbekistan who want a fixed-rate personal loan with no origination fee and money in the same day. Interest of 28% to 49% is steep against the 12.25% typical of the listings here, so the trade-off is speed and fee-free borrowing against a costly rate.

Key facts

Best for
Adults in Uzbekistan with a permanent income, a TBC Bank Uzbekistan app account and a need for funds the same day.
APR
28% to 49% (Source, checked September 26, 2026)
Loan amount
UZS 300,000 to UZS 100,000,000 (Source, checked September 26, 2026)
Term
3 to 36 months (Source, checked September 26, 2026)
Arrangement fee
0 UZS (application and loan servicing are free) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Same day to the current account in the TBC Bank Uzbekistan app after phone confirmation, also on holidays (Source, checked September 26, 2026)
Representative example
TBC Kredit 300,000 UZS for 3 months at 28% annual, 104,702.54 UZS per month, 314,107.63 UZS total (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Citizens of the Republic of Uzbekistan, aged 18 or over, with a permanent source of income, registered in the TBC Bank Uzbekistan app (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
Joint Stock Company TBC BANK (ATB 'TBC BANK') (Source, checked September 26, 2026)
Headquarters
Uzbekistan (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
tbcbank.uz

Apps and profiles

Get the app
App Store
Elsewhere
WikidataLinkedInt.me

Pros and cons

Pros

  • A direct lender offering fixed-rate personal loans with interest of 28% to 49%, terms of 3 to 36 and borrowing of UZS 300,000 to UZS 100,000,000
  • The origination fee is 0 UZS (application and loan servicing are free), so the application and the servicing of the loan cost nothing at all
  • Payout is same day into the account you already hold with the bank once you confirm by phone, holidays included
  • Free early repayment means you can settle the balance ahead of schedule without paying an added charge for doing so

Cons

  • Interest of 28% to 49% sits well above the 12.25% typical of the personal loan listings here, so the rate is the main cost
  • The credit check is hard, and a full check puts a thinner credit file at risk where 20.4% of lenders use a softer one
  • Support runs on phone and help centre only, so there is no live chat for questions before or during the loan
TBC UZ Friends

Ready to try TBC UZ Friends?

Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Borrowers who need money in their account the same day and are happy to confirm by phone, holidays included
  • Anyone who can clear the balance early and would rather not pay an early settlement charge for doing it

Who should look elsewhere

  • Borrowers chasing a cheaper rate: Monzo Flex lists interest of 10% to 23%, well below the 28% to 49% charged here
  • Readers who want the lowest cost of borrowing in this group, since Cashspace ES charges 0% in interest
  • Anyone without a TBC Bank Uzbekistan app account, because registration in the app is part of eligibility for this loan

How your money is protected

TBC UZ Friends is a direct lender rather than a broker, so the bank itself handles the application, the decision and the servicing, with no intermediary fee layered in between. The published example shows a loan repaid in equal monthly instalments, with the instalment and the total repaid both given for the full term, which is the clearest way to read the true cost before applying and to compare it with other lenders.

How TBC UZ Friends compares

Where TBC UZ Friends is available

Available
Uzbekistan

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

Frequently asked questions

What interest does TBC UZ Friends charge on a personal loan?+

Interest is fixed and runs at 28% to 49% on a fixed-rate personal loan, which is well above the 12.25% typical of the personal loan listings on this site. The rate is the main figure to weigh before applying.

Is there an arrangement or origination fee to pay?+

There is no charge to arrange or service the loan. The origination fee is 0 UZS (application and loan servicing are free), and the application and the servicing are both free, which leaves the interest rate as the only cost of taking the loan on.

How much can I borrow and over what term?+

Borrowing runs UZS 300,000 to UZS 100,000,000 with terms of 3 to 36, and the rate stays fixed for the whole period. Anyone planning to clear the balance sooner can, since free early repayment is allowed without an extra charge.

How quickly is the money paid out?+

Payout is same day into the current account you hold with the bank, following confirmation by phone, and the same turnaround applies on holidays. The application runs through the TBC Bank Uzbekistan app rather than a branch visit or a web form.

What credit check is run on applicants?+

The credit check is hard, which means a full assessment rather than a soft prequalification, and a thinner credit file carries more risk. Across the listings here, 20.4% of lenders work with a softer check instead.

Can I repay the loan early without a charge?+

Yes, free early repayment is available, so settling the balance ahead of schedule carries no added fee. 81.2% of the lenders listed here also allow it, which makes it a common feature rather than a rare one.

How do I get help with the loan?+

Support runs on phone and help centre, so questions can be raised by phone or through the bank's help centre. The application and the servicing sit inside the TBC Bank Uzbekistan app, which is where the loan is also managed day to day.

Sources

  • tbcbank.uz checked September 26, 2026

    Backs: Legal entity, Support channels

    “(c) 2023 ATB 'TBC BANK' litsenziyasi #86, 17.03.2022”

  • tbcbank.uz/product/kredity checked September 26, 2026

    Backs: Eligibility, Features, Funding time, Headquarters, Lender type, Loan types, Representative example

    “TBC Kredit rasmiylashtirishning minimal talablari: O'zbekiston Respublikasi fuqaroligi; 18 yoshga to'lgan bo'lish; Doimiy daromad manbai; TBC Bank Uzbekistan ilovasida ro'yxatdan o'tish”

  • tbcbank.uz/product/kredity/faq checked September 26, 2026

    Backs: Credit check, Free early repayment

    “Yosh, daromad miqdori, kredit tarixi va hozirgi kredit qarzlari inobatga olinadi (the system considers credit history)”

  • tbcbank.uz/product/kredity/tariff checked September 26, 2026

    Backs: Loan amount, APR, Pricing model, Arrangement fee, Rate type, Term

    “Summa - 300 000 so'mdan 100 000 000 so'mgacha”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Related by the facts

TBC UZ Friends

TBC UZ Friends

Adults in Uzbekistan with a permanent income, a TBC Bank Uzbekistan app account and a need for funds the same day.

8.9/10See alternatives

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