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Hazir Financial Services (Private) Limited
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Product Detail

Personal Loan for everyday and urgent needs

An unsecured instalment loan between PKR 30,000 and PKR 500,000, structured around your documented income and repaid over three to twenty four months.

Home Loan Services Personal Loan
Overview

What this loan is designed for

Our personal loan exists for expenses that cannot wait for a savings cycle to complete. It is a fixed instalment product: you know the amount, the number of payments and the total cost from the day the agreement is signed.

Because the facility is unsecured, approval depends on documented income and existing obligations rather than assets. We size the instalment so it remains a manageable share of your monthly earnings.

Education and tuition fees
Medical and emergency costs
Home repair and improvement
Family and wedding expenses
Consolidating costly borrowings
Short term cash flow gaps
Client checking her personal loan disbursement on a mobile phone
No collateral Written schedule
Terms

Amount, tenure and fee structure

The parameters below define the product boundaries. Your individual offer is confirmed after assessment.

Loan Amount PKR 30,000 - 500,000

The approved amount depends on documented monthly income and existing repayment obligations.

Tenure 3 - 24 months

Instalments are monthly, with the due date aligned to your income cycle where possible.

Monthly Interest 1.8% - 3.0%

Applied on the outstanding principal. The exact rate is stated in your offer letter.

Service Fee 1.0% - 3.0%

A one time fee deducted at disbursement. There is no application or processing fee.

Maximum Annual Cost Up to 36%

Total borrowing cost expressed on an annualised basis and disclosed before signing.

Early Settlement No penalty

You may settle the outstanding balance at any point without additional charges.

Indicative repayment estimator

Move the sliders to see an approximate instalment. Figures are illustrative only and do not constitute an offer.

PKR 150,000
12 months
Estimated monthly instalment PKR 0
Estimated total payable PKR 0

Calculated at an illustrative rate of 2.5% per month on the original principal. Your confirmed schedule is issued in writing.

Request a Formal Quote
How to Apply

Step by step application guide

Follow these steps to keep your application moving without avoidable delays.

1

Prepare your documents

Scan or photograph both sides of your CNIC, your latest salary slip or income proof, and a bank statement covering three to six months.

2

Email your enquiry

Send the documents with your full name, city, requested amount and preferred tenure to our client service address.

3

Verification call or reply

Our analyst confirms the details, clarifies any gaps in the documents and explains the assessment outcome.

4

Review the written offer

Read the approved amount, service fee, interest rate, total payable and instalment dates before you accept anything.

5

Sign and receive funds

After signed acceptance, the net amount is transferred to your nominated bank account in your own name.

6

Repay on schedule

Pay each instalment on or before the due date. Reminders are sent in advance, and early settlement is always available.

Worked Example

A repayment illustration

The table below shows how a mid range loan would be structured under illustrative terms. It is provided for understanding only.

Approved principalPKR 200,000
Tenure12 months
Service fee at 2.0%PKR 4,000
Amount credited to your accountPKR 196,000
Monthly interest at 2.5%PKR 5,000 per month
Monthly instalmentPKR 21,667
Total payable over 12 monthsPKR 260,000

Borrower reminders

  • Borrow only what your monthly income can comfortably repay after essential household expenses.
  • Read the full agreement, including fees and late payment terms, before signing anything.
  • We never ask for any payment before disbursement. Report any such request to us immediately.
  • Funds are transferred only to a bank account held in the applicant name.
  • If your circumstances change, contact us early so a revised plan can be discussed.
Questions before you apply cs@hazirfinancial.com

Start your personal loan enquiry today

Send your documents and requirement, and receive a written indication of eligibility and pricing.

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