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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- Top options summarized in one view
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- Straight to the shortlist before deeper research
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Flexible mid-range options
02Useful when you want stronger detail and a bit more room to compare tradeoffs.
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Recently added
- 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
- 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
- Rate
- 22.0–28.0%
- Amount
- Rs50k–Rs3M
- Timing
- 2-5 business days
Unsecured personal loan from Standard Chartered Pakistan with competitive interest rates and flexible repayment options. International bank backing with digital-first service.
- Salaried or self-employed
- Minimum income requirements apply
- No collateral required
- 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
- Quick processing
- Rate
- 29.8–35.0%
- Amount
- Rs50k–Rs3M
- Timing
- Instant via Alfa App
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)
- Minimum salary PKR 50,000/month
- Rate
- 25.8–27.8%
- 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
- Existing MCB Car4U customer (1+ year)
- Rate
- 21.8–27.0%
- Amount
- Rs50k–Rs3M
- Timing
- 2-5 business days
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