CredAI
Applications
SA

Sana Aslam

Freelancer · Rawalpindi · APP-24117 · received 25 Sept 2026
Requested
PKR 115,000
Term
12 months
Purpose
Education fees
715Good · Grade B300850
Repay probability
88%
Confidence
Medium
Score trend
6 months

Why this score

Points versus an average applicant (666). Every factor below adds up to 715.

  • Mobile number age
    +32

    Same mobile number for 10 years 5 months.

  • Data sources connected
    −11

    3 of 5 data sources connected.

  • Overdrawn days
    +10

    Account never went overdrawn.

  • Spending volatility
    +6

    Monthly spending ranged from PKR 88,350 to PKR 134,750.

  • Failed mobile payments
    +6

    No failed mobile payments.

  • Utility bills left unpaid
    +5

    No utility bill was left unpaid past 30 days.

  • Savings buffer
    +5

    Balance typically covers 2.6 months of spending.

Not connected: Mobile wallet, Repayment history. Those factors are scored at the population average and lower confidence.

Cash flow

Crescent Microfinance · last 12 months

Money inMoney out

Recommendation

Approve

Meets policy. Above the instant limit, so an analyst confirms.

  • Credit score
    715 vs approve ≥ 660, decline < 560
  • Debt-to-income
    9% of income vs 40% limit
  • Data coverage
    3 of 5 sources connected (minimum 3)
  • Loan tier
    Above PKR 100,000 — analyst review and documents required
Monthly instalment
PKR 11,098
Verified income
PKR 119,500
Existing instalments
PKR 0
Max affordable
PKR 495,000
Income source: median monthly bank deposits
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—