Welcome back, Ayesha

Your CredAI score is calculated from 4 connected sources over the last 12 months. You control what's shared.

-10 since AugUpdated 30 Sept 2026

Your score over time

Recalculated at each month-end from the data you shared.

Confidence: High

Compared with the average applicant.

Utility bills paid on time
Paid 20 of 24 utility bills on or before the due date.
+50
Overdrawn days
Account never went overdrawn.
+10
Utility bills left unpaid
No utility bill was left unpaid past 30 days.
+5
Income covers spending
Income exceeded spending by 11% over the year.
+4

The biggest things holding your score back.

Recharge your number every month, even with a small amount.
Mobile account was topped up in 8 of the last 12 months.
−22
Spread large purchases out; steadier monthly spending reads as lower risk.
Monthly spending ranged from PKR 57,050 to PKR 141,250.
−16
Keep a little more balance in your wallet between payments.
Average wallet balance of PKR 7,696 against PKR 16,288 monthly wallet spend.
−7
Connect your repayment history
More data raises confidence and can unlock larger loans.

Turn a source off and your score is recalculated without it — instantly.

Pre-qualified offer

PKR 461,000

Up to this amount over 12 months at 28% APR, based on your income and current score.