One online loan per day: Uzbekistan tightens screws on microloans

A restriction on obtaining online loans is being introduced in Uzbekistan — individuals will have access to no more than one such loan per day. The new rules are enshrined in a procedure aimed at strengthening information and cybersecurity in the remote provision of financial services and reducing the level of fraud operations in the credit sector.

The Ministry of Justice, together with the Central Bank, has registered a regulation on minimum requirements for data protection and fraud prevention. The document, registered on January 21, 2026, obliges credit institutions to check the borrower in the register of persons prohibited from entering into loan agreements before considering an online application. In the absence of restrictions, the application is considered in the standard manner.

At the same time, a mechanism is being introduced to exclude the execution of several online loans simultaneously. If parallel requests are received by credit bureaus for one PINFL, only the first one in time is processed. After confirmation of the loan issuance, the remaining requests are blocked for 24 hours. The authorities expect that these measures will help reduce the debt burden of the population, protect the rights of citizens and increase the stability of the financial system.