Easy Loans Within 24 Hours
In a big move to support its customers, Bank Alfalah has launched the “Instant Loan Scheme 2025”. Under this new offer, you can now get a loan starting from PKR 50,000 up to PKR 750,000 directly in your account within 24 hours without any physical paperwork, no collateral, and no guarantor. This facility is made super easy and is available only through Bank Alfalah’s mobile application.
Table of Contents
Who Can Apply for Bank Alfalah Instant Loan?
If you’re thinking of applying for this loan, here are the eligibility criteria in simple words:
- You must have a Bank Alfalah personal account.
- Your relationship with the bank must be at least 1 year old.
- Your account must be actively used, especially for the last 6 months.
- You must maintain a minimum average balance in your account.
- Your credit history will be verified (no defaulters allowed).
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How Much Loan Can You Get?
| Loan Amount | Loan Duration | Monthly Installment (Example) |
| PKR 50,000 | Up to 1 year | PKR 2,049 approx. |
| PKR 200,000 | Up to 4 years | PKR 8,199 approx. |
| PKR 300,000 | Up to 4 years | PKR 12,299 approx. |
| PKR 500,000 | Up to 4 years | PKR 20,498 approx. |
| PKR 750,000 (max) | Up to 4 years | Will vary based on markup |
The loan repayment period depends on how much money you borrow. For PKR 50,000, the loan must be repaid within 12 months, and for larger amounts up to PKR 750,000, the repayment period is up to 4 years.
Markup Rate / Interest Rate Details
The markup rate is linked to the 1-year KIBOR (Karachi Interbank Offered Rate) plus 18%. This may seem high to some, but it’s standard for unsecured personal loans in Pakistan, especially those without any collateral or documentation.
How to Apply for Bank Alfalah Instant Loan
- Make sure you have a personal account with Bank Alfalah.
- If not, open an account at your nearest branch or through digital onboarding.
- Download the Bank Alfalah Mobile App from Google Play Store or Apple App Store.
- Log in using your credentials.
- Navigate to the Loan/Financing section inside the app.
- Select Instant Loan and enter the required loan amount.
- The app will automatically calculate your eligibility.
- If eligible, approve the terms and conditions and submit your request.
- If everything checks out, your loan amount will be credited within 24 hours.
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No Documentation or Security Required
Unlike traditional loans, this Bank Alfalah Instant Loan does not require any documents, salary slips, or physical visits. The bank uses your existing financial history with them and your account activity to assess and approve the loan.
Important Things to Remember
- Use your Bank Alfalah account regularly with frequent transactions.
- Maintain a good credit score to avoid rejection.
- No need to visit the bank, everything is done through the app.
- You can check your monthly installments inside the app before applying.
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Final Thoughts
Bank Alfalah’s Instant Loan Scheme 2025 is a game-changer for salaried individuals, freelancers, and small business owners who need urgent funds without the long wait and paperwork. With no collateral, fast approval, and easy repayment plans, it offers one of the most convenient loan experiences in Pakistan today.
So, if you’ve been a regular Bank Alfalah user and need quick cash, this Instant Loan App might be your best bet. Just keep your account active, maintain a good balance, and you could get your loan within 24 hours—hassle-free.
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