UnaMoliya review

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

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Our verdict

UnaMoliya is a Uzbek direct lender for borrowers who want cash on a debit card the same day and can live with a steep annual rate. Personal and business loans run at 55% to 109.5% on terms of 4 to 18, backed by a Central Bank of the Republic of Uzbekistan licence.

Key facts

Best for
Same day personal and business cash in Uzbekistan, on a fixed rate with a hard credit check.
APR
55% to 109.5% (Source, checked September 26, 2026)
Loan amount
UZS 500,000 to UZS 25,000,000 (Source, checked September 26, 2026)
Term
4 to 18 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Same day: once the application is approved the money is credited to your debit card immediately; application review takes up to 5 minutes (Source, checked September 26, 2026)
Representative example
10,000,000 UZS over 12 months at 55% annual effective rate, total repayable 13,230,285 UZS, monthly payment 1,101,896 UZS (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Citizens of the Republic of Uzbekistan aged 21 to 65; passport or ID card details and MY ID photo identification, no paper documents (Source, checked September 26, 2026)
Loan types
Personal, Business (Source, checked September 26, 2026)
Legal entity
UNA MOLIYA MMT (limited liability company), joint venture 60% UnaFinancial / 40% Mikrokreditbank (Source, checked September 26, 2026)
Headquarters
Uzbekistan (Source, checked September 26, 2026)
Founded
2025 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre, Community (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
unamoliya.uz

Apps and profiles

Get the app
Google Play
Elsewhere
Wikidatafacebook.cominstagram.comtelegram.me

Pros and cons

Pros

  • Money is credited to your debit card the same day your application is approved, with review taking minutes.
  • It lends directly rather than routing you through a broker or marketplace, and it is a limited liability company joint venture of UnaFinancial and Mikrokreditbank.
  • It holds a Central Bank of the Republic of Uzbekistan licence, 120 (dated 28.12.2024), so it is supervised at home.
  • Support runs on email, chat and phone, giving you several ways to reach help.

Cons

  • Interest is the big cost: 55% to 109.5% against a site median of 12%.
  • Every application runs a hard credit check, hard, so a refusal is recorded on your file.
  • Terms are short at 4 to 18, so a large balance has to clear quickly.
UnaMoliya

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Scored 8.6 / 10 by BorrowCue.

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Who it suits

  • Borrowers in Uzbekistan who need money the same day and can absorb 55% to 109.5%.
  • Small businesses covering a short gap, since personal and business loans sit at the same fixed rate.
  • People who keep identity documents digital, as passport or ID card details plus a photo identity document are all an application needs.

Who should look elsewhere

  • Shoppers focused on the lowest rate: Monzo Flex publishes 10% to 23%.
  • Borrowers wanting a long repayment window, since terms here run only 4 to 18.
  • Anyone expecting interest free borrowing, where Cashspace ES lists 0%.

How UnaMoliya compares

Where UnaMoliya is available

Available
Uzbekistan
Licence in Uzbekistan
Central Bank of the Republic of Uzbekistan (120 (dated 28.12.2024)), checked September 26, 2026

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

Frequently asked questions

What rate will I pay on a UnaMoliya loan?+

Interest runs at 55% to 109.5% for personal and business borrowers alike, on a fixed rate that holds for the whole term. The published representative example uses the lower end of that band, and the total repayable comes out well above the sum borrowed, so a 4 to 18 loan carries a heavy cost.

How much can I borrow, and over what period?+

Loans run UZS 500,000 to UZS 25,000,000 on terms of 4 to 18. The top of that range sits far above a €876.96 site median for personal loans, but the short term means a large balance has to clear quickly. Personal and business loans come from the same lender on the same fixed rate.

Is UnaMoliya regulated?+

Yes. The lender holds a licence from the Central Bank of the Republic of Uzbekistan, 120 (dated 28.12.2024), so it operates under supervision at home. The company behind the service is UNA MOLIYA MMT, a limited liability company and a joint venture of UnaFinancial and Mikrokreditbank.

How fast do I get the money?+

The same day. Once your application is approved the money is credited to your debit card immediately, and the review itself takes minutes rather than days. UnaMoliya lends directly, so once a decision is made there is no broker or marketplace between you and the money.

What credit check will I face?+

A hard credit check, hard, runs on every application rather than a soft prequalification step. Identification is handled digitally and paper documents are not needed, and you must be a citizen of the Republic of Uzbekistan who sits inside the minimum and maximum age limits.

How do I get help once I am a customer?+

Support runs on email, chat and phone, so you can reach the lender by email, chat, phone, a help centre or the community. Phone and email are also the most common support channels among lenders on the site, and a help centre walks through the application step by step.

Is UnaMoliya an established lender?+

It was founded in 2025 and lends directly from Uzbekistan, so it is a young name with a shorter public record. The Central Bank of the Republic of Uzbekistan licence and the Mikrokreditbank partnership behind the company give it a regulated base to operate from.

Sources

  • docs.unamoliya.uz/license-1.pdf checked September 26, 2026

    Backs: Licences

  • unamoliya.uz checked September 26, 2026

    Backs: Loan amount, Features, Headquarters, Pricing model, Rate type, Representative example, Support channels

    “Mikroqarz summasi 500 000 so'm ... 25 000 000 so'm”

  • unamoliya.uz/about checked September 26, 2026

    Backs: Founded, Legal entity, Lender type

  • unamoliya.uz/faq checked September 26, 2026

    Backs: APR, Credit check, Eligibility, Loan types, Term

    “Skoring - biz kredit tarixingiz, daromad darajangiz, bandlik holatingiz va boshqa omillar asosida baholash o‘tkazamiz”

  • unamoliya.uz/how-to-get checked September 26, 2026

    Backs: Funding time

    “Ariza tasdiqlangandan so‘ng, pul darhol debet kartangizga tushadi”

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

Not confirmed yet: Arrangement fee.

UnaMoliya

UnaMoliya

Same day personal and business cash in Uzbekistan, on a fixed rate with a hard credit check.

8.6/10See alternatives

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