- How It Works
5 Simple Steps
to Get Started
Our process is designed to be fast, easy and stress-free. See what you need at every step and what happens next.
No hidden charges
markup shown upfront
About 5 minutes
to apply online
Secure & private
your data is protected
- Apply
- Get Approved
- Start Installments
- Apply
- Get Approved
- Start Installments
- At a Glance
The Whole Process in 5 Steps
1. Apply
About 5 minutes [confirm]
2. Verification
[1-2 working days - confirm]
3. Approval
[Same day - confirm]
4. Agreement
[Same day - confirm]
5. Monthly Payments
Monthly, for 3 to 18 months
- Step by Step
What Happens at Each Stage
Estimated times are placeholders until you confirm them.
STEP 01
Apply
Fill in our short online form with your details and the product or service you need.
What you need
CNIC, mobile number, product details and price.
What happens next
We receive your application and start checking it.
- Estimated time: About 5 minutes [confirm]
STEP 02
Verification
Our team reviews your application and documents against our eligibility criteria. We may call you to confirm a few details.
What you need
Clear document copies and a phone number we can reach.
What happens next
You receive an update on your application.
- Estimated time: [1-2 working days - confirm]
STEP 03
Approval
If your application is approved, we confirm your plan: financed amount, service markup, total payable and monthly installment. You see all of these before anything is signed.
What you need
Choose your duration (3, 6, 12 or 18 months).
What happens next
You review the plan and decide whether to continue.
- Estimated time: [Same day - confirm]
STEP 04
Agreement
You read and accept the terms and conditions. The total payable, markup and monthly amount are shown and agreed before you sign.
What you need
CNIC, and a guarantor or reference if requested.
What happens next
Your plan is activated and your product or service is arranged [confirm].
- Estimated time: [Same day - confirm]
STEP 05
Monthly Payments
Pay your agreed installment each month using an available payment method. We remind you before each due date [confirm].
What you need
Your monthly payment, on or before the due date.
What happens next
After your last installment, your plan is complete.
- Estimated time: Monthly, for 3 to 18 months
- Before You Apply
Keep These Ready
- CNIC copy (front and back)
- Proof of income
- Address information
- Employment or business details
- References or guarantor, if applicable
- A phone number where we can reach you
Not sure whether you qualify? Check who can apply and which documents suit your situation.
Submitting an application does not guarantee approval.
- Payment Methods
How You Pay Each Month
Bank transfer
Pay from your bank app or branch.
Mobile wallet
Pay using your mobile wallet.
Over the counter
Pay in person at [location / partner].
Standing instruction
Automatic monthly payment from your account.
How to pay on time
- Pay a few days before the due date.
- Keep your payment receipt or screenshot.
- Tell us early if you think you may be late.
Reminders: we send a reminder by [SMS / WhatsApp / call – confirm] before each due date.
- What to Expect
Timeline Summary
Step
Typical time
Your action
Our action
1. Apply
About 5 minutes [confirm]
CNIC, mobile number, product details and price.
We receive your application and start checking it.
2. Verification
[1-2 working days - confirm]
Clear document copies and a phone number we can reach.
You receive an update on your application.
3. Approval
[Same day - confirm]
Choose your duration (3, 6, 12 or 18 months).
You review the plan and decide whether to continue.
4. Agreement
[Same day - confirm]
CNIC, and a guarantor or reference if requested.
Your plan is activated and your product or service is arranged [confirm].
5. Monthly Payments
Monthly, for 3 to 18 months
Your monthly payment, on or before the due date.
After your last installment, your plan is complete.
- Quick Estimate
Estimate Your Plan
See the markup, total and monthly amount before you apply.
Financed Amount
PKR 80,000
Service Markup (40% for 12 months)
PKR 32,000
Total Payable
PKR 112,000
Estimated Monthly Payment
PKR 9,333
Illustrative estimate. Final amount depends on eligibility and applicable charges. Markup rate: [40% per 12 months – confirm].
- Process FAQ
Questions About the Process
How long does approval take?
Most applications are reviewed within [1-2 working days – confirm] once all documents are received. Timing may vary.
What if my application is not approved?
We will let you know. Approval depends on eligibility and is never guaranteed. You are welcome to contact us to understand your options [confirm].
Can I change my plan?
You can adjust the product, down payment or duration before you sign. After signing, please ask our team what is possible [confirm].
When do payments start?
Your first installment is due [30 days – confirm] after your plan starts. The exact date is written in your agreement.
How will I be reminded?
We send reminders by [SMS / WhatsApp / phone call – confirm] before each due date.
Can I pay early?
Early settlement may be available. Please ask our team about the terms for your plan [confirm].
Need help with a step?
Our team can walk you through it. Mon-Sat, 9am – 6pm.