Frequently Asked Questions

Find quick answers to common questions about PakPaisa services. Still need help? Reach us at support@aitebarfinancial.com

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What is PakPaisa?

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PakPaisa is an online loan application operated by AITEBAR FINANCIAL SERVICES (PRIVATE) LIMITED. We offer personal loans to eligible individuals in Pakistan with a quick, paperless application and fast approval.

Is PakPaisa a licensed lender?

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Yes. PakPaisa has passed the review of the Securities and Exchange Commission of Pakistan (SECP) and holds a valid NBFC license: No.SECP/LRD/LD/195/AFSPL/2025.

How do I contact customer support?

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Email us at support@aitebarfinancial.com or use the in-app chat. Our support hours are Monday to Saturday, 9:00 AM to 6:30 PM.

How much can I borrow through PakPaisa?

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Loans range from PKR 1,000 to PKR 50,000, depending on your eligibility and credit assessment result.

What is the loan application process?

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1) Download the PakPaisa app and register with your mobile number. 2) Fill in the loan application information. 3) Apply online. 4) Wait for approval. 5) Receive funds in your bank account.

What documents do I need to apply?

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You will need a valid Pakistani CNIC, a working mobile number in your name, personal details and your bank account information. The app will guide you through each step.

Who is eligible for a PakPaisa loan?

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Applicants must be 18 years or older, hold a valid CNIC, have a stable income source and a good credit record. Minors cannot apply.

What is the loan repayment period?

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The loan term ranges from a minimum of 30 days to a maximum of 90 days. Specific terms are communicated clearly before you finalize your loan.

What is the interest rate on PakPaisa loans?

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The annual percentage rate (APR) ranges from 15% to a maximum of 273.75% depending on your loan profile. The exact rate applicable to your loan will be disclosed before confirmation.

How can I repay my loan?

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You can repay via bank transfer, mobile banking or other payment methods available in the PakPaisa app. Detailed instructions are provided in-app.

Can I repay early?

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Yes, early repayment is supported inside the PakPaisa app at any time before your due date.

How do I create a PakPaisa account?

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Download the PakPaisa app from Google Play Store, tap "Register" and follow the guided process. You will need to provide personal information and verify your identity.

How do I reset my password?

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On the login screen tap "Forgot Password". You will receive a verification code on your registered mobile number to reset your password.

Is my personal information secure?

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Yes. PakPaisa uses robust encryption and other security measures. We fully comply with SECP data-protection regulations and never share your information with unauthorized third parties.

How can I delete my account and data?

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You can request full data deletion via our Data Deletion page after clearing any outstanding loan.