AR
Ayesha Raza
Over-extended household · Faisalabad · APP-24112 · received 27 Sept 2026
Requested
PKR 35,000
Term
12 months
Purpose
Medical
- Repay probability
- 53%
- Confidence
- High
Score trend
6 months
Why this score
Points versus an average applicant (666). Every factor below adds up to 579.
- Utility bills paid on time−48
Paid 7 of 24 utility bills on or before the due date.
- Spending volatility−27
Monthly spending ranged from PKR 37,950 to PKR 87,600.
- Instalments paid on time−21
Paid 1 of 6 previous loan instalments on time.
- Data sources connected+16
5 of 5 data sources connected.
- Utility bills left unpaid−12
7 utility bills were left unpaid for over 30 days.
- Overdrawn days+10
Account never went overdrawn.
- Savings buffer−7
Balance typically covers 1.0 months of spending.
Cash flow
Crescent Microfinance · last 12 months
Money inMoney out
Recommendation
Refer
Borderline on one or more checks. Route to an analyst.
- Credit score579 vs approve ≥ 660, decline < 560
- Debt-to-income5% of income vs 40% limit
- Data coverage5 of 5 sources connected (minimum 3)
- Loan tierAt or under the PKR 100,000 instant limit
- Utility arrears7 bills unpaid past 30 days
- Monthly instalment
- PKR 3,378
- Verified income
- PKR 68,500
- Existing instalments
- PKR 0
- Max affordable
- PKR 283,000
Income source: median monthly bank deposits
Decision
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Data shared
- Utility bills
- Mobile account
- Mobile wallet
- Bank account
- Repayment history