MA
Mehwish Aslam
Ride-hailing & delivery · Sialkot · APP-24109 · received 21 Sept 2026
Requested
PKR 50,000
Term
12 months
Purpose
Motorbike
- Repay probability
- 63%
- Confidence
- Medium
Score trend
6 months
Why this score
Points versus an average applicant (666). Every factor below adds up to 611.
- Utility bills paid on time−41
Paid 4 of 12 utility bills on or before the due date.
- Mobile number age−14
Same mobile number for 5 years 2 months.
- Data sources connected−11
3 of 5 data sources connected.
- Mobile account activity+6
Mobile account was topped up in 11 of the last 12 months.
- Utility bills left unpaid+5
No utility bill was left unpaid past 30 days.
- Wallet balance cushion+1
Average wallet balance of PKR 80,404 against PKR 78,433 monthly wallet spend.
Not connected: Bank account, Repayment history. Those factors are scored at the population average and lower confidence.
Cash flow
No bank account connected
Bank data not shared
Income was estimated from wallet activity instead. Ask the customer to connect a bank account for larger amounts.
Recommendation
Refer
Borderline on one or more checks. Route to an analyst.
- Credit score611 vs approve ≥ 660, decline < 560
- Debt-to-income6% of income vs 40% limit
- Data coverage3 of 5 sources connected (minimum 3)
- Loan tierAt or under the PKR 100,000 instant limit
- Monthly instalment
- PKR 4,825
- Verified income
- PKR 82,355
- Existing instalments
- PKR 0
- Max affordable
- PKR 341,000
Income source: wallet activity (estimated)
Decision
The model recommends; you decide. A reason is required and goes to the audit log.
Add a short reason to enable the buttons.
Data shared
- Utility bills
- Mobile account
- Mobile wallet
- Bank account—
- Repayment history—