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AVO Bank review

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

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Our verdict

AVO Bank is a licensed direct lender in Uzbekistan, so you deal with the bank itself from application to repayment. It suits adults who want a fixed-rate personal loan and a cashback credit card in one place, though rates of 41.06% to 63.05% sit well above the site median of 15.5%.

Key facts

Best for
One licensed bank for a fixed-rate personal loan, a credit line and a cashback card, with funding straight after approval.
APR
41.06% to 63.05%↗
Loan amount
UZS 1,000,000 to UZS 100,000,000↗
Term
3 to 36 months↗
Arrangement fee
Optional 'O'zimiznikilar uchun' service: 10% of loan amount (3-12 month terms), 5% (24-36 month terms)↗
Funding time
Immediately after approval; application reviewed in 1-3 minutes↗
Representative example
Online microloan UZS 20,000,000 over 12 months at 34.9% p.a. - total repayable UZS 25,976,000↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
18+ and citizen of the Republic of Uzbekistan; passport or ID card only↗
Origination fee (%)
5% to 10%↗
Loan types
Personal, Credit-line↗
Use cases
Home-improvement↗
Legal entity
AVO bank AJ↗
Headquarters
Uzbekistan↗
Support channels
Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
avo.uz

Credit cards

Annual fee
UZS 27,000↗
Currency conversion fee
3%↗
Rewards type
Cashback↗
Rewards rate
100% on first purchase from credit funds (max 100,000 UZS), then 1% on every purchase; 1 bonus = 1 UZS, minimum 150,000 bonus to redeem, bonuses valid 6 months, max 500,000 bonus per month↗
Perks
Mastercard payment system, 45-day interest-free purchase period (30 days purchases plus 15 days repayment), Credit limit up to 100,000,000 UZS, Free 3D Secure, Free virtual card issuance, Free balance inquiry in AVO app and AVO ATMs, Card blocking and unblocking in the app, Free plastic card issued with a 59,000 UZS one-off payment, waives service fee, More than 50 card-issue ATMs in Uzbekistan, Free early repayment possible↗
Cashback rate
1%↗
Card kind
Credit↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Elsewhere
LinkedIninstagram.comfacebook.com

Pros and cons

Pros

  • same day funding puts money in your account as soon as approval comes, and applications are reviewed in a short window.
  • Fixed-rate borrowing over 3 to 36 with free early repayment, so clearing the balance early costs nothing.
  • A Mastercard credit card with a UZS 27,000 annual fee, 1% cashback and free balance checks in the app and at AVO ATMs.

Cons

  • The rate of 41.06% to 63.05% is well above the site median of 15.5%, so the cost of credit is the real trade-off.
  • The optional 'O'zimiznikilar uchun' service costs 5% to 10% of the amount borrowed, and the percentage is higher on shorter terms.
  • Support runs on phone and help centre only, so questions go by phone or through the help centre.
AVO Bank

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Adults in Uzbekistan with a passport or ID card who need a personal loan or a credit line of UZS 1,000,000 to UZS 100,000,000.
  • Borrowers who want one fixed rate for the whole term and the option to repay early free of charge.
  • Households planning a home improvement who want the loan and a cashback card from the same bank.

Who should look elsewhere

  • Sofkredit, with a rate range of 10.74% to 18.06%, for anyone who puts the cheapest rate above everything else.
  • Cashspace, quoting PHP 12 to PHP 36 in another currency, for people comparing the cost of credit across markets.
  • Creduma ES, lending from from €12,000, for borrowers who would rather take the loan in euro.

Safety of your money

AVO Bank is a direct lender, so your application, your agreement and your repayments all sit with the bank rather than a broker. It is supervised by the Central Bank of the Republic of Uzbekistan under banking licence 83. A representative example is published with the loan, showing an online microloan priced at a fixed rate with the total repayable amount stated.

Who runs it

AVO bank AJ is the legal entity behind the loan and card products, registered in Uzbekistan and supervised by the Central Bank of the Republic of Uzbekistan under licence 83. Support runs on phone and help centre, so help comes by phone or from the help centre.

How AVO Bank compares

Where AVO Bank is available

Available
Uzbekistan
Licence in Uzbekistan
Central Bank of the Republic of Uzbekistan (83), checked September 26, 2026

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

Frequently asked questions

What rate will I pay on a personal loan?+

AVO Bank quotes a fixed rate, so the figure you agree at the start is the one you keep paying. The published rate is 41.06% to 63.05%, which sits well above the site median of 15.5%. What you are offered depends on the amount, the term and which loan product you apply for.

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

Loan amounts cover UZS 1,000,000 to UZS 100,000,000 on personal loans and credit lines, so the ceiling sits above most household borrowing needs. Terms run for 3 to 36, which lets you spread a larger loan over a longer repayment or keep a smaller one short. Home improvement is the use the bank highlights.

Is there an arrangement fee on top of the interest?+

There is an optional 'O'zimiznikilar uchun' service, charged at 5% to 10% of the amount borrowed. It is optional rather than automatic, and the percentage is higher on shorter terms, so the cost of the service depends on how long you keep the loan.

How fast do I get the money after applying?+

Funding covers same day funding and money arrives immediately after approval, not after a waiting period. Applications are reviewed in a short window, and you apply straight to the bank as a direct lender, so the agreement sits with one name from start to finish.

Is AVO Bank regulated?+

AVO Bank is supervised by the Central Bank of the Republic of Uzbekistan, and its banking licence is numbered 83. Because it is a direct lender, your contract is with the bank rather than a broker. A representative example is published with the loan product, showing an online microloan and the total amount repayable.

What does the credit card cost and what does it pay back?+

The credit card has an annual fee of UZS 27,000 and a currency conversion fee of 3%, which matters if you pay in another currency. Rewards are cashback, set at 1% on spending, with a higher return on a first purchase from credit funds. Virtual card issuance and balance checks in the app and at AVO ATMs are free.

Can I repay the loan early without a charge?+

Free early repayment is available, so clearing the loan early costs nothing extra. That suits anyone who expects extra income during a 3 to 36 term and wants the interest bill to shrink with it. It also means you are not locked in if the same-day funding speed was only part of the reason you applied.

Sources

  • avo.uz/uz checked September 26, 2026

    Backs: Headquarters, Legal entity, Use cases

    “O'zbekiston Respublikasi Markaziy bankining 83-sonli litsenziyasi asosida faoliyat yuritamiz”

  • avo.uz/uz/blog/faq checked September 26, 2026

    Backs: Support channels

    “Bizga qo'ng'iroq qiling ... +998 78 888-78-87; Savol va javoblar (FAQ)”

  • avo.uz/uz/blog/faq/1547336 checked September 26, 2026

    Backs: Loan amount, Pricing model, Rate type, Term

    “Mikroqarz miqdori 1 mln so'mdan 100 mln so'mgacha”

  • avo.uz/uz/blog/faq/1575322 checked September 26, 2026

    Backs: Free early repayment

  • avo.uz/uz/products/credit-card checked September 26, 2026

    Backs: Annual fee, Card kind, Cashback rate, Currency conversion fee, Perks, Rewards rate, Rewards type

    “Hisobga xizmat ko'rsatish: Oyiga 180 000 so'mgacha sarflasangiz bepul, oyiga 180 000 so'mdan ko'proq sarflasangiz 27 000 so'm (AVO platinum credit card monthly service fee)”

  • avo.uz/uz/products/personal-loan checked September 26, 2026

    Backs: Loan types

    “Shaxsiy ehtiyojlaringiz uchun onlayn kredit ... Limit tiklanadi: sarflagan pulingizni qaytarishingiz bilanoq undan yana foydalanishingiz mumkin”

  • avo.uz/uz/products/zaim checked September 26, 2026

    Backs: APR, Eligibility, Features, Funding time, Lender type, Arrangement fee, Origination fee (%), Representative example

    “Mikroqarz: Kreditning to'liq qiymati, yiliga 41,06% (3-12 oy) va 63,05% (24-36 oy)”

  • docs.avo.uz/AVO_Banking_License_ru.pdf checked September 26, 2026

    Backs: Licences

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

AVO Bank

AVO Bank

One licensed bank for a fixed-rate personal loan, a credit line and a cashback card, with funding straight after approval.

8.9/10See alternatives