HomeLoans
Loans in Tajikistan
Compare loan offers from all banks and MFOs — find the best deal in minutes
79offers
Consumer Loans
Showing 20 of 79 offers
Humo Bank
Orzu Loan
от 32%
per year
до 100 тыс.
max. amount
up to 4 года
TJS Online
Approval in 30 seconds in the Humo Online app — the fastest loan among Tajikistan's MFOs
After timely repayment — repeat loan without new documents for 5 years
Available at all offices throughout Tajikistan — wide service network
Humo Bank
Consumer Loan
31–36%
per year
до 50 тыс.
max. amount
up to 3 года
TJS Online
Wide range of purposes — renovation, appliances, celebrations: one product for different needs
Online application via Humo Online — without unnecessary office visits
Spitamen Bank
Intikol Loan
31–32%
per year
до 30 тыс.
max. amount
up to 3 года
TJS Online
Transfer statements as income proof — accessible to labor migrants and their families
Reduced rate 31% for repeat clients — loyalty to regular transfer recipients
Tajiksodirotbank
Consumer Loan
от 30%
per year
до 1
max. amount
up to 2 года
TJS
No service commission on the loan
One of the systemic banks of Tajikistan — reliability and government support
Eskhata Bank
Online Loan
от 30%
per year
до 10 тыс.
max. amount
up to 2 года
TJS Online
Fully online — no office visit, decision in 5 minutes
No collateral or guarantors, early repayment without penalties
Imon International Bank
Goods on Credit Loan
от 30%
per year
до 30 тыс.
max. amount
up to 2 года
TJS Online
Targeted loan for consumer goods — furniture, appliances, electronics
Online application and quick decision without excessive bureaucracy
Eskhata Bank
Multi-Purpose Loan
29–30%
per year
до 100 тыс.
max. amount
up to 3 года
TJS
Up to 30,000 somoni without collateral or guarantors
Disbursement in cash or to account — borrower's choice
Investment and Credit Bank of Tajikistan
FMFB Microloan
28–36%
per year
до 25 тыс.
max. amount
up to 3 года
TJS
No collateral
Up to 25K TJS
Early repayment free
Humo Bank
Agro Loan
27–31%
per year
до 80 тыс.
max. amount
up to 3 года
TJS Online
Grace period up to 12 months — payments start after harvest or product sales
Covers farming, animal husbandry and crop production — universal agricultural loan
Imon International Bank
Kishovarz Agricultural Loan
от 27%
per year
до 250 тыс.
max. amount
up to 5 лет
TJS Online
Term up to 5 years accounting for seasonality — convenient for agricultural cycles
Financing a wide range of agricultural needs: from seeds to equipment
Imon International Bank
Express Loan
от 27%
per year
до 250 тыс.
max. amount
up to 2 года
TJS Online
High limit up to 250,000 somoni with express application review
Minimum term from 1 month — flexibility for short-term needs
Bank Arvand
Arvand Consumer Loan
26–32%
per year
до 50 тыс.
max. amount
up to 4 года
TJS
No collateral
Up to 50K TJS
Early repayment free
Dushanbe City Bank
Consumer Loan
от 26%
per year
до 100 тыс.
max. amount
up to 5 лет
TJS
Approval in 15 minutes and money immediately to DC NEXT card
Term up to 5 years and minimum document package — passport, TIN, income certificate
Vasl Bank
Multi-Purpose Consumer Loan
от 26%
per year
до 100 тыс.
max. amount
up to 2 года
TJS
No restrictions on spending purpose — suitable for renovation, purchases, medical treatment and education
Vasl Bank — participant in the Tajikistan Deposit Insurance Fund, operates under NBT license
Bank Arvand
Consumer Loan
от 26%
per year
до 100 тыс.
max. amount
up to 3 года
TJS
Early repayment without penalties — no interest charged on unused period
Available in USD from 18% — advantageous option for borrowers with foreign currency income
Imon International Bank
Bovari Loan
от 25%
per year
до 250 тыс.
max. amount
up to 10 лет
TJS Online
Term up to 10 years and amount up to 250,000 somoni — suitable for large long-term goals
Online application submission — convenient without branch visits
Activ Bank
Consumer Loan «For Necessary Needs»
25–27%
per year
до 100 тыс.
max. amount
up to 3 года
TJS
Rate from 15% in USD — favorable option for borrowers with foreign currency income
Reduced rate 25% TJS / 15% USD for repeat clients — loyalty to returning borrowers
Spitamen Bank
Consumer Loan
от 25%
per year
до 150 тыс.
max. amount
up to 4 года
TJS Online
Increased limit up to 150,000 TJS for repeat clients and term up to 48 months
Rate 15% in USD — favorable for those with foreign currency income
Alif Bank
Alif Credit
25–35%
per year
до 30 тыс.
max. amount
up to 3 года
TJS Online
No collateral
Up to 30K TJS
Early repayment free
Spitamen Bank
Dastras Loan
от 25%
per year
до 300 тыс.
max. amount
up to 3 года
TJS Online
Limit up to 300,000 TJS — the largest consumer loan in Spitamen Bank's lineup
Suitable for major expenses: renovation, equipment, education, business needs
How to Choose a Loan in Tajikistan
What to Look for When Choosing a Loan
The main parameter is the annual interest rate: the lower it is, the less you overpay. Also pay attention to the maximum loan amount, the term, and any hidden origination or early repayment fees. Use the filters on this page to quickly find the right offer.
Banks vs MFOs in Tajikistan: What's the Difference
Banks offer lower interest rates and a wider range of products but have stricter borrower requirements. MFOs approve loans faster with minimal paperwork, though rates are usually higher. Finasia has gathered offers from all banks and MFOs in Tajikistan in one place so you can compare and choose the best option.