Una Moliya UZ - New User Offer CPI Alayon

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Una Moliya issues microloans in Uzbekistan up to 25 million soums directly to your card, without the need for documents, guarantors, or collateral. 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 3 to 12 months Application decision: from 10 minutes Issuance: to an Uzcard or Humo card How to apply: 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. 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 of 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. SP LLC MFO "UNA MOLIYA" Address: 100057, Republic of Uzbekistan, Tashkent city, Almazar district, st. Karasarayskaya, 315a (https://unamoliya.uz/ru/documents)