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UnaMoliya review

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

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Our verdict

UnaMoliya lends directly to residents of Uzbekistan through a fixed rate personal loan, with a licence from the Central Bank of the Republic of Uzbekistan. It suits anyone who wants a UZS 500,000 to UZS 25,000,000 loan released to a debit card the same day and can pass a hard credit check.

Key facts

Best for
Uzbek residents needing a fixed rate personal or business loan credited the same day.
APR
55% to 109.5%↗
Loan amount
UZS 500,000 to UZS 25,000,000↗
Term
4 to 18 months↗
Credit check
Hard↗
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↗
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↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
Citizens of the Republic of Uzbekistan aged 21 to 65; passport or ID card details and MY ID photo identification, no paper documents↗
Loan types
Personal, Business↗
Legal entity
UNA MOLIYA MMT (limited liability company), joint venture 60% UnaFinancial / 40% Mikrokreditbank↗
Headquarters
Uzbekistan↗
Founded
2025↗
Support channels
Email, Chat, Phone, Help-centre, Community↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
unamoliya.uz

Facts checked September 26, 2026, 4 sources

Apps and profiles

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

Pros and cons

Pros

  • Annual borrowing cost of 55% to 109.5% on a fixed rate, so payments do not shift with the market
  • Same day funding: approved money is credited to your debit card at once
  • Loan sizes of UZS 500,000 to UZS 25,000,000 over terms of 4 to 18
  • A direct lender that lends its own money under a Central Bank licence

Cons

  • A hard credit check, so a thin file can rule you out
  • Terms of 4 to 18 are short next to the 36 month median across personal loans
  • The top of the rate range sits far above the 14.43% median on the site
UnaMoliya

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Scored 8.7 / 10 by SumCue.

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Who it suits

  • Adults in Uzbekistan with a steady income who need money today rather than in a week
  • Borrowers who want a fixed rate and can live with a short term
  • Small businesses wanting a loan alongside a personal one

Who should look elsewhere

  • Residents outside Uzbekistan, who cannot apply
  • Borrowers who need a long repayment period, given terms of 4 to 18
  • Those with thin credit, as the credit check is hard

Safety of your money

UnaMoliya is a direct lender, so the loan comes from the company rather than a panel of funders, and it is authorised by the Central Bank of the Republic of Uzbekistan under licence 120 (dated 28.12.2024). The representative example on a personal loan shows a fixed annual effective rate, with the total repayable and the monthly payment both stated, so the full cost is set out before you commit. Compare that shape with the 14.43% median across personal loans on the site.

Who runs it

The legal entity behind the brand is UNA MOLIYA MMT, a limited liability company that is a joint venture of UnaFinancial and Mikrokreditbank, and it lends as a direct lender. It is based in Uzbekistan and was founded in 2025. Support runs on email, chat and phone, and the Central Bank of the Republic of Uzbekistan licence is 120 (dated 28.12.2024). Applications are handled without paper documents, using a passport or ID card details and the MY ID photo identification.

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 to borrow from UnaMoliya?+

Loans carry a fixed rate, and the annual borrowing cost runs across 55% to 109.5%. Nothing changes mid term, because the rate type is fixed rather than variable. The representative example on the site shows the rate, the total repayable and the monthly payment laid out together.

How much can I borrow and over what period?+

Loan amounts run from UZS 500,000 to UZS 25,000,000 and terms from 4 to 18. That is a shorter window than the 36 month median for personal loans on the site, so repayments are quicker and the total cost of borrowing is smaller. Both personal and business loans are available.

How quickly does the money arrive?+

Funding is same day. Once an application is approved, the money is credited to your debit card immediately, and the review itself takes a very short time. There are no paper documents to post, since identification is done with a passport or ID card details and the MY ID photo identification.

Who regulates UnaMoliya?+

The lender is supervised by the Central Bank of the Republic of Uzbekistan, and its licence is 120 (dated 28.12.2024). It lends as a direct lender, meaning you deal with the company that issues the loan rather than an intermediary choosing one for you.

Is a credit check involved?+

Yes, the credit check is hard, which means the assessment looks at your full credit file and a thin history can stop an application. Hard checks are the norm on this site, appearing in 76.8% of the personal loan comparison.

How does the cost compare with other lenders?+

The 55% to 109.5% range here sits well above the 14.43% median annual cost of borrowing across personal loans on the site, and above the rate at Sofkredit of 10.74% to 18.06%. The case for UnaMoliya rests on speed and the fixed rate rather than on being the cheapest.

How do I get in touch if something goes wrong?+

Support runs on email, chat and phone, so you can reach the team by phone, email or chat, work through the help centre, or post in the community. A phone line is the most direct route for anything urgent. The company is a joint venture of UnaFinancial and Mikrokreditbank.

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

Uzbek residents needing a fixed rate personal or business loan credited the same day.

8.7/10See alternatives