Eskhata Bank has announced that first-time clients can now access online loans even without an existing credit history, further expanding financial inclusion through its digital channels.
The new service allows customers to apply for loans entirely online through the Eskhata Online app, without the need to visit a branch, provide collateral, or secure guarantors. Once the application is submitted, the bank promises an instant decision, with funds transferred directly to the client’s account immediately upon approval.
Loan Conditions
- Amounts: 100 to 10,000 somonis
- Term: 1 to 24 months
- Fixed interest rate: 31% annually
According to the bank, all terms are transparent, with no hidden fees, and the process is fully digital — from application to disbursement.
Growing demand for online lending
Eskhata Bank is one of Tajikistan’s largest financial institutions and a leader in digital banking solutions. Currently, over 60% of its consumer loans are issued through online channels, reflecting rapid growth in digital adoption.
Eskhata Bank is making lending simple, convenient, and modern — available anywhere, anytime,” the bank said in a statement, emphasizing its role as a systemically important financial institution in the country.
More information about the product is available on the bank’s website: Eskhata Online Loans.
