Get 50K-1Lakh Digital Loan In Pakistan | SECP Registered Loan Apps

If you’re looking to secure a digital loan ranging from 50,000 to 1 lakh, you’re in luck. This article presents a curated list of the top three online loan apps in Pakistan, each registered and licensed by the Securities and Exchange Commission of Pakistan (SECP).

These digital platforms namely are:

  • SmartQarza Loan App: offers loans ranging from Rs. 2,000 to Rs. 25,000
  • Paisayaar Loan App: offers loans ranging from Rs. 5,000 to Rs. 30,000
  • Abhi-Your Salary Now!: offers loans ranging from Rs. 10,000 to Rs. 50,000 (Returning users have the potential to secure loans of up to Rs. 1 Lakh).

Wondering how to navigate this digital lending landscape?

The article will guide you through the process, eligibility criteria, maximum loan limits, and the detailed steps to obtain a digital loan of at least Rs. 50,000 within a mere 5 minutes.

So, if you’re ready to harness the power of these nano apps, read on to unlock the financial possibilities at your fingertips.

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Get 50K-1Lakh Digital Loan In Pakistan | SECP Registered Loan Apps


Table of Contents

Top 3 SECP Registered Digital Loan Apps In Pakistan

Presenting the Top 3 Digital Loan Apps Verified by SECP:

These three distinguished digital loan apps have been thoroughly verified by the Securities and Exchange Commission of Pakistan (SECP), making them reliable and secure sources. Downloadable from reputable platforms like the Play Store and Apple Store, these apps offer a genuine and not fake.

SmartQarza Loan App


SmartQarza application offers a simple process to easily access personal digital loans in Pakistan. Users with qualifying criteria can initiate the application effortlessly.

Complete the application by providing essential information through an online form, an efficient submission process, and choosing the loan amount. Once the application is submitted and meets the required criteria, expect swift approval. Upon approval, the loan amount is transferred instantly to your account.


Loan Amount

The SmartQarza Loan App allows you to access funds ranging from 2,000 PKR to 20,000 PKR. It is important to be aware that these loans incur associated interest charges.

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Loan Charges

If you secure a loan amount of 25,000 with the highest Annual Percentage Rate (APR) at 220% and opt for a 90-day loan term, the applicable charges on this loan amount are as follows.


Markup Charges

SmartQarza imposes a fixed markup charge set at 375 PKR, maintaining uniformity across varying loan amounts and durations..

Whether opting for a smaller or larger loan sum, or a short-term or extended duration, the markup charge remains constant at 375 PKR.

Services Fee

When using the Loan Calculator, a loan amount of 25,000 PKR with a high Annual Percentage Rate (APR) of 220% for a 90-day term is subject to a service fee of 6,593.32 PKR. The service fee encompasses the expenses incurred in the seamless processing of the loan.

Process Fee

When utilizing the Loan Calculator, borrow 25,000 PKR at a 220% Annual Percentage Rate (APR) for a 90-day. The processing fee is precisely calculated at 6,593.32 PKR. This fee, referred to as the processing fee, is levied to cover the essential expenses related to the thorough handling of your loan application.

Late Fee

Failure to make timely payments will result in the imposition of a late fee, equivalent to 2% of the total loan amount applied.

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Contact Details


Address: Office numbers 02 and 04, 2nd Floor Rajpoot Plaza GT Road Wah Cantt Tehsil Taxila District Rawalpindi, Punjab, Pakistan

Paisayaar Loan App


Paisayaar is an online digital loan app operated under JINGLECRED DIGITAL FINANCE LIMITED. Paisayaar offers users a reliable platform to access digital loans.

Users are choosing how they wish to receive and repay their loans, with various payment methods available. There are no hidden fees, offering loan amounts spanning from 1,000 to 25,000 PKR.

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Loan Amount

Paisayaar, the online digital loan app, loans ranging from 1,000 to 25,000 PKR. Paisayaar ensures simplicity in obtaining the loan amount in just a few minutes.

Loan Charges


Markup Rate

Paisayaar offers a daily interest rate that ranges from 0% to 0.6% if you secure a loan of PKR 25,000 for 90 days, the total interest charged on the loan amounts to PKR 13,500. It’s important to note that this interest amount of PKR 13,500 is in addition.

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Loan Days

The loan term extends for 90 days, and it accrues interest. Failure to repay the loan on time will result in additional charges being applied.

Late Fee

Failure to make timely payments on the loan results in the imposition of additional late fees, a penalty interest ranging from 2% to 2.5% per day is applied.

For example, with a 25,000 PKR loan for 90 days, timely repayment amounts to a total of 38,500 PKR delayed by 20 days.

The total payment becomes 50,000 PKR, and the late fee incurred for the 20-day delay is 11,500 PKR.

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Contact Details

Address: Fortune Residency, Ground Floor, Street no. 26, National Police Foundation, E11/4, Islamabad.


Phone: 051-111-883-883 (Service Hotline)051-884-127-0 (Service Hotline) 03088888260 Grievance redressal officer

Abhi-Your Salary Now!


Abhi-Your Salary Now! stands as a digital loan app that employees have earned but have not yet received. Users can access their earned funds whenever needed.

Abhi ensures flexibility by allowing users to retrieve their money through various channels, including the ABHI App, SMS, or WhatsApp.

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Interest/Markup Charges

Through Abhi-Your Salary Now, you have the flexibility to borrow amounts ranging from Pkr. 1,000 to Pkr. 30,000, with a repayment period extending up to 90 days. The daily interest rates are variable, ranging from as low as 0% to a maximum of 0.6%.

Late Fee

Failure to make timely payments incurs a penalty of 2% to 2.5% per day; however, it’s essential to note that these rates and the duration of application may exhibit slight variations.

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Contact Details

Address: 505A, 5th Floor Fortune Towers, Shahrah-e-Faisal, Karachi Office # 5, Floor 6, Askari Corporate Tower, Lahore


Phone: +92 304 111 5276

Pros And Cons Of Digital Loan Apps

Pros Of Digital Loan Apps

  • Swift Access to Urgent Funds: Digital loan apps offer loan amounts ranging from 10,000 to 30,000.
  • Effortless Application Process: Applicants apply for a loan and receive approval within just 3 minutes.
  • Simplified Repayment Procedure: The repayment process is designed for ease, a straightforward method to repay the loan.
  • SECP Verification for Legitimacy: These digital loan apps are verified by the Securities and Exchange Commission of Pakistan (SECP).

Cons Of Digital Loan Apps

  • Non-Compliance with Islamic Principles: Certain digital loan apps may not align with Islamic principles.
  • Elevated Fees: Many digital loan apps impose high fees.
  • High-Interest Rates: Some of these apps come with elevated interest rates, reaching levels as high as 3%.
  • Costly Application Process: The application process for digital loans may involve significant charges, sometimes soaring to amounts like 5000 rupees.

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FAQs | Digital Loan Apps

What are the top 3 online loan apps in Pakistan registered and licensed by SECP?

The top 3 SECP-registered online loan apps in Pakistan are SmartQarza Loan App, Paisayaar Loan App, and Abhi-Your Salary Now! Loan App.

What loan amounts are offered by the SmartQarza Loan App?

SmartQarza provides digital loans ranging from Rs. 2,000 to Rs. 25,000.

What is the loan amount range for the Paisayaar Loan App?

Paisayaar offers online loans ranging from Rs. 1,000 to Rs. 25,000.

How can I apply for a loan with SmartQarza?

To apply for a SmartQarza loan, visit the Google Play Store, download the app, sign up using your mobile number and CNIC, select your desired loan, and confirm the amount.

What are the eligibility criteria for getting a digital loan in Pakistan with these apps?

Eligibility criteria may vary, but typically, users need to provide basic information and meet certain requirements to qualify for a digital loan.

How much interest is charged by Paisayaar on a 25,000 PKR loan for 90 days?

The interest charged by Paisayaar on a 25,000 PKR loan for 90 days is 6,593.32 PKR, making the total repayment amount 38,500 PKR.

What is the loan amount range for the Abhi-Your Salary Now Loan App?

Abhi-Your Salary Now! offers loans from Pkr. 1,000 to Pkr. 30,000 with a repayment period of up to 90 days.

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