CredAI

Apply for a loan

See your instalment, affordability and likely outcome before you submit. Checking doesn't affect your score.

Monthly instalment
PKR 14,476
Total repayable
PKR 173,712
Share of income
13%

28% APR, reducing balance. Loans up to PKR 100,000 can be decided instantly.

Likely outcome

Same policy the lender uses.

Approve
Likely approval after a quick review
  • Credit score
    691 vs approve ≥ 660, decline < 560
  • Debt-to-income
    13% of income vs 40% limit
  • Data coverage
    4 of 5 sources connected (minimum 3)
  • Loan tier
    Above PKR 100,000 — analyst review and documents required
Comfortable maximum over 12 months:

Score 691 · see what's behind it