Unsecured personal loan
The most common product, offered by Habib Bank (HBL), National Bank of Pakistan (NBP), United Bank (UBL), MCB Bank. Higher rates than secured loans but no collateral required.
The right product for the right need in Pakistan
✔ Picking the wrong product can cost you 10%–40% more over the life of the loan.
💡 SBP prudential regulations recommend a Debt Burden Ratio (DBR) below 40% of net income.
Revolving line of credit
Flexible for unexpected expenses. Warning: never pay only the minimum — the interest compounds fast.
Traditional credit card
Offered by most banks (Habib Bank (HBL), National Bank of Pakistan (NBP), United Bank (UBL)). Ideal for building a credit history when used responsibly.
Secured / deposit card
For profiles with no history or prior rejection. Your deposit becomes your credit limit.
Secured loan (auto, home)
Lower rates in exchange for collateral. Risk: you lose the asset if you default.
Debt consolidation
Bundles several expensive debts into one payment. Verify the blended APR actually drops.
⚠️ Prefer SBP-regulated banks and Shariah-compliant Islamic banks over unregulated informal lenders (beesi/committee).
👉 See requirements and documents →
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