Personal loans are one of the most popular financial products in Pakistan.
Whether you need urgent cash for education marriage home renovation medical emergencies or even to start a small business banks and financial institutions offer different types of personal loans in Pakistan.
In 2025 the demand for instant and flexible financing has grown and banks are making the process easier through online applications quick approvals and low markup rates
Top Banks Offering Personal Loans in Pakistan 2025
1.Habib Bank Limited (HBL) Personal Loan Amount:Up to PKR3million
Repayment Tenure: 1 to 5 years
Markup Rate: Competitive starting from 22%
Features:
*Quick processing and approval
*No hidden charges
*Flexible installment plans
2.UBL Cash Plus Loan
Loan Amount: PKR 30,000 – 2 million
Tenure: 1 to 4 years
Markup Rate: Market-competitive
Features:
*Top up facility available
*Easy monthly installments
*Quick approval through UBL branches
3.MCB Personal Loan
Loan Limit: Up to PKR 2 million
Repayment Time: 12–60 months
Features:
Salary transfer not mandatory
Option to enhance loan limit
Fast disbursement
4.Allied Bank Personal Loan
Loan Amount: Up to PKR 3 million
Markup Rate: Affordable compared to others
Features:
Simple documentation
*Available for both salaried and *self-employed individuals
*Digital loan tracking via ABL mobile app
At the End
Eligibility Criteria (General)
Although every bank has slightly different requirements, the general criteria for personal loans in Pakistan 2025 include
Age: 21 – 60 years
Income Minimum PKR 30000 50000 depends on bank
*Employment: Salaried or self-employed with proof of income
*Valid CNIC and proof of residence
*Required Documents
*Copy of CNIC
*Recent salary slip or business income proof
*Bank statement (last 6 months)
*Utility bill for address verification
*Passport-size photographs
(Important thing)
1. Compare Markup Rates Always choose a bank with the lowest markup.
