Hamza Raza

Ride-hailing & delivery · Rawalpindi · APP-24122 · received 24 Sept 2026

Requested

PKR 50,000

Term

12 months

Purpose

Working capital

Score trend

6 months

Why this score

Points versus an average applicant (666). Every factor below adds up to 708.

Utility bills paid on time
+20
Paid 16 of 24 utility bills on or before the due date.
Mobile number age
+15
Same mobile number for 8 years 3 months.
Wallet balance cushion
+8
Average wallet balance of PKR 115,775 against PKR 74,567 monthly wallet spend.
Instalments paid on time
+7
Paid 6 of 9 previous loan instalments on time.
Failed mobile payments
−5
2 of 17 mobile payments failed.
Mobile account activity
−4
Mobile account was topped up in 10 of the last 12 months.
Days late on instalments
−4
Instalments were paid 36.9 days late on average.

Not connected: Bank account. Those factors are scored at the population average and lower confidence.

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.

Approve

Meets every policy check. Eligible for instant approval.

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