Car loans with no down payment: the total value of loans under the ‘Unaa’ scheme has reached 648.7 million KGS

JSC ‘Guarantee Fund’ continues to offer the ‘Unaa’ guarantee scheme, which enables citizens to purchase cars on credit with no down payment.

Since the start of 2026, the Guarantee Fund has provided 198 guarantees totalling 81.1 million KGS under this scheme. Thanks to this guarantee support, borrowers have been able to secure car loans totalling 386.8 million KGS.

Since the launch of the ‘Unaa’ product, 352 guarantees have been issued totalling 138.3 million KGS. The total amount of loan funds raised for car purchases amounted to 648.7 million KGS.

The programme’s mechanism addresses one of the main obstacles to obtaining a car loan — the borrower’s lack of funds for a deposit. In such cases, the required security is provided by OJSC ‘Guarantee Fund’ in the form of a guarantee.

Thus, the ‘Unaa’ product expands citizens’ opportunities to purchase cars on credit and makes car loans more accessible to borrowers who do not have the necessary funds for a deposit.