Step 3 of 5 · Requirements & documents

Your file, ready before you click "apply"

✔ Up to 70% of rejections in Pakistan come from incomplete files, not bad profiles.

⚠️ Prefer SBP-regulated banks and Shariah-compliant Islamic banks over unregulated informal lenders (beesi/committee).

Official ID

Valid national ID or passport. Some fintechs accept a driver's licence as a secondary document.

Last 3 pay slips or latest tax return. Self-employed: 6 months of bank statements.

Utility bill or tenancy agreement less than 3 months old.

Lenders check Data Check, eCIB (SBP's Electronic Credit Information Bureau), Tasdeeq. Review your own report before applying — errors are common.

Ideally 3–6 months of the main account. A stable balance improves eligibility materially.

List of active cards and loans, even ones not yet showing in bureaus.

💡 Organise your file BEFORE the hard bureau pull. Once submitted, the inquiry leaves a footprint that can dent your score.