Una Moliya: микрозайм на карту

UNA MOLIYA, MCHJ MMT QK

About this app

Una Moliya issues microloans in Uzbekistan up to 25 million soums directly to your card, without the need for certificates, guarantors, or collateral.
When it comes in handy: you're short until payday, you urgently need cash on your card, or you have an unplanned expense. You can apply for a loan online from home—no need to visit an office, and your application is approved in minutes.

With the Una Moliya app, you can:
✅ Apply in 2 minutes – no office visit or income verification required
✅ Choose a convenient loan term – from 3 to 12 months
✅ Complete identification directly in the app, without visiting a branch
✅ Manage microloans – track your loan application status, the outstanding balance on your existing loan, and the repayment date
✅ Repay early – no hidden fees, pay only for the days actually used
✅ Get a repeat microloan – for regular customers, the approved limits are higher, and the terms are even more favorable

Microloan terms:
Amount: from 500,000 to 25,000,000 soums
Term: from 90 to 365 days
Application decision: from 10 minutes
Issuance: to an Uzcard or Humo card

How to apply online
1. Download the app and register.
2. Verify your identity with biometric authentication.
3. Select the amount and term.
4. Submit your application — a decision in minutes.
5. Receive funds on your card.

Una Moliya is a microcredit organization licensed by the Central Bank of the Republic of Uzbekistan.

Microloan terms and conditions:
- First microloan at just 0.1% per day.
- Minimum repayment period: 90 days.
- Maximum repayment period: 365 days.
- Minimum annual interest rate: 1% (AER: 1%).
- Maximum annual interest rate: 36% (AER: 36%).
- No additional fees or charges.

The maximum annual effective interest rate (AEIR) for microloans is 36%.

Example of calculating the interest rate on a microloan of 10,000,000 soums for a term of 10 months:
The interest rate for using the microloan each day for 10 months is 0.1%.
The total cost of the microloan (TCO) is 36% per annum.
The accrued interest rate for 10 months of using the microloan is 1,728,224 soums.
The repayment amount for 10 months is: 10,000,000 + 1,728,224 = 11,728,224 soums.
The monthly payment amount is 1,172,305 soums.

Interest for using the microloan amount:
In the event of a delay in repaying the microloan and accrued interest, the interest rate is 0.1% per day on the outstanding amount.
For failure to repay the microloan, a penalty of 1% of the outstanding amount is charged for each day of delay.
The amount to be repaid for a missed first payment and accrued interest for 10 days on a microloan of 10,000,000 soums for a 10-month term is: 1,172,305 soums + 8,764 soums in interest for the overdue days + 87,642 soums penalty = TOTAL 1,268,711 soums.
The minimum loan term is 3 months, the maximum is 12 months.
Specific microloan terms for each client are determined individually after scoring.

License No. 120, December 28, 2024.
UNA MOLIYA, MCHJ MMT QK
315a, Taraqqiyot MFY, Karasaroy Str.
Tashkent - 100057
Uzbekistan (UZ) (https://unamoliya.uz/ru/documents)
INN: 311431122
Tel [phone]

What’s new

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