Credit according to Islamic finance should follow these principles:

Riba is prohibited: In Islamic finance, riba, meaning interest payments or interest-based loans, is forbidden. Therefore, there should be no hidden or additional interest in the credit system.

Price determination: Installment agreements allow payments over time, but these payments must be at an adjusted price. That is, instead of charging interest, the credit provider increases the price of the product or service to enable installment sales.

Fixed price and terms: In taking credit, the price and terms must be clear and transparent. Any changes from the agreed price, especially additional payments (interest), are not allowed.

Islamic fairness and honesty: The installment contract must be fair to both parties in Islamic finance. The contract should clearly define the relationships, responsibilities, and interests of both sides. Also, both parties must fairly share risks and profits.

IMAN’s credit service stands out with the following advantages:

No riba — no additional penalties or interest charged even if payment is late.

Transparent terms — all payment deadlines, amounts, and total price are predetermined.

Compliance with Islamic finance principles — services are provided through Murabaha contracts, which do not violate Islamic finance principles.

Online and convenient process — quick and easy credit approval through the app.

Genuine products — credit is only given for products that are in stock.

To get an IMAN credit limit, you need to complete the following steps:

1. Download the app: Install IMAN Neo from Google Play or App Store.

2. Register: Enter your phone number and register.

3. Verify identity: Upload your passport or ID card and your payroll card to the app, then pass the credit scoring process.

4. Get the limit: After filling in the required information, you will receive a limit and a QR code for purchases via the app.

The maximum limit is 24,000,000 Uzbek soms. You can use the limit to shop at IMAN’s partner stores.

The amount of IMAN’s credit limit depends on the following factors:

Identity verification — based on the user’s personal data and verification process.

Income and financial status — the user’s monthly income and other financial obligations are considered.

Previous payment history — if the user has used IMAN’s service before and fulfilled obligations on time, the chance of getting a limit increases.

App-based verification — the limit amount is set according to the information entered by the user in the app and their credit rating."

Currently, there is no special option to increase the credit limit in the IMAN app. If you have not been granted a limit, it may be due to your existing credits, insufficient income, or other reasons.

After receiving the limit in the IMAN app, the purchasing process is as follows:

Choose a partner store — review the list of partner stores via the IMAN app or official website.

Select the product — choose the desired product from the partner stores list in the app or directly visit the store.

Present the QR code — at the time of purchase, show the special QR code given to you through the app to the store staff.

Confirm the terms — review and confirm all payment terms, including deadlines and amounts.

Receive the product — once the purchase is confirmed, the product will be handed over or delivered to you.

If you need additional assistance, you can contact the support section in the app.

You can find the full list of IMAN partner stores on our website at iman.uz/catalog
Additionally, the IMAN app also provides a complete list of stores and service providers partnering with IMAN.