Loan
Reviews and step-by-step guides for personal loans in Pakistan: amounts, tenures, fixed rates and KIBOR-linked pricing, processing and prepayment charges, eligibility for salaried and self-employed applicants and the link to the official page of each bank.
Loan
Featured
Allied Personal Finance: Rs. 30,000 to Rs. 3 million with pricing from KIBOR + 10%
Allied Personal Finance: how to apply
HBL PersonalLoan: up to Rs. 3 million with a fixed rate and no paperwork in the app
HBL PersonalLoan: how to apply
Standard Chartered Personal Loan: up to Rs. 4 million and rates from 20% per annum
Standard Chartered Personal Loan: how to apply
Loan apps in Pakistan: how to tell a licensed lender from a scam?
KIBOR plus spread: what does a personal loan really cost in Pakistan?
Frequently asked questions
Need help? See some questions we get asked frequently.
Does Kredua give loans?
No. We are an independent information portal. We explain the conditions banks publish and take you to their official websites; the application, the assessment and the approval always belong to the bank.
How do I compare two personal loans?
Put both at the same amount and tenure, ask for the amortisation schedule and compare the total of all instalments plus the processing fee. Then check whether the rate is fixed or linked to KIBOR, and what the prepayment charge is. The rate alone is not enough.
Can I get a loan with a bad eCIB record?
Banks generally decline applicants with overdue or written-off facilities until they are settled. Settle the debt, obtain the clearance letter and wait for the bank to update the eCIB. Be wary of anyone who promises guaranteed approval or asks for a fee in advance.
Still no answer?
Contact us! Our team of specialists will be happy to help.