Introduction: Access to credit and developed financial sector are necessary to achieve sustainable growth and social well-being. Financial worries have increased become more stronger after Covid-19 pandemic. Aim: The main aim of this research is to investigate how financial worries influence on the financial borrowing behavior of individuals in Central Asian countries. Method: Financial worries related to monthly bills, education fees, health care expenses, and the costs of old age investigated by using of FINDEX data that conducted in 2021 by World Bank. We analyzed data of Kyrgyzstan, Kazakhstan, Tajikistan and Uzbekistan by using logit model. Findings: The results show that financial worries about not having enough money for old age, about not being able to pay medical expenses, about not being able to pay school fees or fees, and fears that they will experience severe financial hardship as a result of disruptions caused by the pandemic COVID-19 is having a significant impact on borrowing in these countries. Originality and value: The effect of financial worries on financial behavior as borrowing has little research. This paper is aimed to fill this gap, especially important to analyze the effect of financial worries after covid-19 pandemic.