Editor shortlists
Low-friction personal loans
Compare lenders that keep eligibility checks light and turnaround times quick.
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Compare personal loans
We highlight the strongest rates, requirements, and timelines up front so you can compare faster.
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Flexible mid-range options
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Recently added
- Rate
- 23.0–28.0%
- Amount
- Rs50k–Rs3M
- Timing
- 2-5 business days
UBL CashPlus personal loan offering up to PKR 3 million with 1-4 year tenor. Quick processing with competitive rates and flexible repayment terms from United Bank Limited.
- Pakistani national
- Salaried or self-employed
- CNIC required
- Rate
- 22.0–28.0%
- Amount
- Rs30k–Rs4M
- Timing
- 10 working days
Unsecured personal loan from Standard Chartered Pakistan with competitive interest rates and flexible repayment options. International bank backing with digital-first service.
- Pakistani national aged 21+ (salaried) or 25+ (self-employed)
- Valid CNIC
- Active email and Pakistan mobile number
- Rate
- 28.8–29.8%
- Amount
- Rs30k–Rs3M
- Timing
- 3-5 business days
Allied Bank personal finance facility from PKR 30,000 to PKR 3 million with 1-4 year repayment. Competitive minimum markup of 1-year KIBOR + 10%, one of the lowest spreads in the market.
- 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
- Rate
- 25.36–27.36%
- Amount
- Rs50k–Rs2M
- Timing
- 3-5 business days
MCB Bank personal loan with amounts from PKR 50,000 to PKR 2 million over 1 to 4 years. Rate based on 1-year KIBOR plus spread, with no collateral required.
- Salaried (private sector, government, armed forces)
- Existing credit history with any bank
- MCB salary account (1+ year) or existing MCB Car4U customer
- Rate
- 21.36–35.99%
- Amount
- Rs25k–Rs3M
- Timing
- Via HBL Mobile App
HBL Personal Loan offers up to PKR 3 million for any personal need with flexible 12-48 month repayment. Apply via HBL Mobile App with free life insurance and no collateral required.
- Pakistani national
- Salaried or self-employed
- No collateral or guarantor required
- Rate
- 30.0%
- Amount
- Rs50k–Rs4M
- Timing
- Via branch or call 021 111 06 06 06
Shariah-compliant personal financing based on Tawarruq principle from Faysal Bank, offering PKR 50,000 to PKR 4 million with 12 to 48 month tenure. Riba-free financing for education, weddings, medical needs, and home improvements.
- Pakistani national
- Age 18-70 at maturity
- Min salary PKR 50,000 (salaried) or PKR 100,000 (self-employed)
- Rate
- 29.8–35.0%
- Amount
- Rs50k–Rs3M
- Timing
- Instant via Alfa App (60 seconds for eligible)
Collateral-free personal loan from PKR 50,000 to PKR 3 million with fixed or variable pricing, 1-4 year terms, and instant disbursement via Alfa App.
- Pakistani national
- Age 21-60 (salaried)
- Salaried, self-employed, landlords, housewives, or retired
- Rate
- 26.0–30.0%
- Amount
- Rs60k–Rs4M
- Timing
- Same day via JS Mobile
Collateral-free personal loan from PKR 60,000 to PKR 4 million with 1-4 year terms, 30% per annum markup, available for salaried and self-employed borrowers.
- Pakistani national
- Age 21-60 (salaried)
- Minimum salary PKR 70,000/month