Loan Eligibility Calculator Pakistan
See how much you can borrow in Pakistan on your salary in PKR, and what Pakistan banks actually require before they approve you.
Enter Your Details
Borrowing requirements in Pakistan
What you can borrow in Pakistan is set by your income in PKR and your existing commitments. Buzdy holds published eligibility terms for 59 lending products from 29 banks in Pakistan — the real requirements are listed below.
Loan requirements in Pakistan
48 lending products with published eligibility terms.
Credit card eligibility in Pakistan
| Card | Bank | Minimum income | Minimum age | Salary transfer |
|---|---|---|---|---|
| Master Credit Card GREEN | Bank Al Habib Limited | PKR 20,000 per month. | 21 | Not Required |
| Master Credit Card GOLD | Bank Al Habib Limited | PKR 20,000 per month. | 21 | Not Required |
| Visa Infinite | Standard Chartered | Minimum salary AED 30,000 | — | Not Required |
| X Credit Card | Standard Chartered | Minimum salary AED 15,000 | — | Not Required |
| Cashback Credit Card | Standard Chartered | Minimum salary AED 8,000 | — | Not Required |
| Manhattan Rewards+ Credit Card | Standard Chartered | Minimum salary AED 8,000 | — | Not Required |
| Saadiq Credit Card | Standard Chartered | Minimum salary AED 10,000 | — | Not Required |
| Smart Credit Card | Standard Chartered | — | 21 | — |
| Simply Cash Credit Card | Standard Chartered | — | 21 | — |
| Visa Infinite Credit Card | Standard Chartered | — | 21 | — |
| Rewards+ Credit Card | Standard Chartered | — | 21 | — |
11 cards state a minimum income or minimum age. Income figures are in PKR unless the bank says otherwise.
Banks we track in Pakistan
Keep going in Pakistan
Guides for Pakistan
Pakistan — frequently asked questions
What is the minimum salary for a loan in Pakistan?
Published minimum income requirements in our Pakistan data include 20000; PKR 20,000 per month.; Minimum salary AED 30,000; Minimum salary AED 15,000. Banks also look at your existing monthly commitments, not just gross salary.
What is the minimum age to borrow in Pakistan?
Minimum ages stated by the products we track in Pakistan include 21; 21 years; 22 Years.
Do I need to transfer my salary to get a card or loan in Pakistan?
Not always — 36 of the 54 cards we track in Pakistan state that a salary transfer is not required. Transferring your salary to the lender often gets you a better rate anyway.
How much can I borrow on my salary?
Most lenders cap total monthly repayments at roughly 50% of monthly income (the debt burden ratio). The checker above applies that rule to the salary and existing repayments you enter, then converts the spare capacity into a maximum loan.