Bank loans are the main support of economic development in the market economy. The expansion of the popularity of financial services in Uzbekistan and the provision of financial assistance to a wide segment of the population within the framework of state programs has stimulated the acceleration of loans to individuals. The continuous increase of the balance of loans allocated to individuals over the years and the growth rate of allocated loans in relation to GDP is expressed by the moderately increasing level of the population’s debt burden. The credit activity of the household sector in the composition of loans is increasing significantly. This can lead to an increase in the number of defaults caused by the accumulation of risks in this sector and the deterioration of the financial condition of debtors. This article examines the issues of improving commercial banks’ loans to individuals, paying special attention to improving the efficiency of commercial banks’ loans to individual in Uzbekistan banking system.