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Personal

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Personal

Bank Alfalah Personal Loan

APR

29.8–35.0%

Amount

Rs50k–Rs3M

Term

12–48 mo

Speed

Instant via Alfa App (60 seconds for eligible)

Best for: Best for salaried individuals needing quick funds without collateral.

Pakistani national · Age 21-60 (salaried) · Salaried, self-employed, landlords, housewives, or retired

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Personal

MCB Personal Loan

APR

25.36–27.36%

Amount

Rs50k–Rs2M

Term

12–48 mo

Speed

3-5 business days

Best for: Salaried professionals with a stable income looking for quick cash without collateral.

Salaried (private sector, government, armed forces) · Existing credit history with any bank · MCB salary account (1+ year) or existing MCB Car4U customer

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Personal

Standard Chartered Personal Loan

APR

22.0–28.0%

Amount

Rs30k–Rs4M

Term

12–60 mo

Speed

10 working days

Best for: Salaried individuals aged 21+ or self-employed aged 25+ with a stable income looking for an unsecured loan.

Pakistani national aged 21+ (salaried) or 25+ (self-employed) · Valid CNIC · Active email and Pakistan mobile number

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Personal

UBL CashPlus Personal Loan

APR

23.0–28.0%

Amount

Rs50k–Rs3M

Term

12–48 mo

Speed

2-5 business days

Best for: Salaried individuals or self-employed professionals in need of quick access to substantial funds for personal expenses.

Pakistani national · Salaried or self-employed · CNIC required

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Personal

JS Bank CashAsaan Personal Loan

APR

26.0–30.0%

Amount

Rs60k–Rs4M

Term

12–48 mo

Speed

Same day via JS Mobile

Best for: Best for salaried individuals and self-employed borrowers needing quick access to funds without collateral.

Pakistani national · Age 21-60 (salaried) · Minimum salary PKR 70,000/month

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Personal

HBL Personal Loan

APR

21.36–35.99%

Amount

Rs25k–Rs3M

Term

12–48 mo

Speed

Via HBL Mobile App

Best for: This loan is ideal for salaried individuals and self-employed professionals looking for amounts up to PKR 3 million with a convenient repayment period.

Pakistani national · Salaried or self-employed · No collateral or guarantor required

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Personal

Faysal Islami Personal Finance

APR

30.0%

Amount

Rs50k–Rs4M

Term

12–48 mo

Speed

Via branch or call 021 111 06 06 06

Best for: Individuals earning a minimum salary of PKR 50,000 who need financing for weddings, education, or medical expenses.

Pakistani national · Age 18-70 at maturity · Min salary PKR 50,000 (salaried) or PKR 100,000 (self-employed)

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Personal

Allied Personal Finance

APR

28.8–29.8%

Amount

Rs30k–Rs3M

Term

12–48 mo

Speed

3-5 business days

Best for: Salaried individuals earning at least PKR 25,000, looking for a personal loan within a flexible repayment term.

Pakistani national aged 21-59 (salaried) or 21-64 (self-employed) · Min salary PKR 25,000 (ABL clients) or PKR 35,000 (other bank) · Min 6 months banking relationship

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