Built for Pakistanis without a credit file

Most consumer finance in Pakistan assumes you already have a bank relationship and a credit bureau record. Many students, first time earners, freelancers, and gig workers simply do not have one yet.

That assumption shuts out the very people who would benefit most from a fair and transparent way to pay over time. A missing file is often read as a risk signal by traditional lenders, when in reality it usually just means someone has not yet had the chance to interact with the formal financial system, not that they are unlikely to repay what they borrow.

SahulatKar starts from a different question: not "does this person already have a credit history," but "what can we reliably see about this person today, right now, that tells us something real about their ability to repay."

Rather than a file that does not exist yet, our eligibility engine uses real signals that can be observed and verified:

• Your mobile wallet activity, including how regularly your JazzCash, Easypaisa, or similar account is used
• Trust signals from your device, such as how long it has been associated with your identity
• How long you have held your phone number, since a long standing number is a meaningful stability signal on its own
• Your own order and repayment behavior on SahulatKar, once you have completed a first plan or two

No single signal on its own determines an outcome. The eligibility engine weighs them together, the same way a loan officer would once have weighed a mix of factors rather than a single number, except this happens automatically and consistently for every applicant rather than depending on who happens to review the file.

For a completely new customer, there is by definition no SahulatKar repayment history to look at yet. The first decision leans more heavily on identity verification, wallet activity, and device signals, and typically results in a conservative starter limit rather than an open ended one.

This is a deliberate design choice, not a limitation we are hiding. A responsible starting point protects you from taking on more than makes sense before we, or you, have any track record to go on. It is the same principle any careful lender would apply, made consistent and automatic rather than left to an individual reviewer's judgment on the day.

Verifying your identity is a one time step. After that, every purchase runs through an automated eligibility check that typically returns a decision in under three seconds. The answer is one of three: approved, approved with a larger down payment, or not approved, with a clear reason.

For most everyday purchases financed as Pay in 4, that is the entire wait. Larger amounts, or a Pay Monthly plan spread across 3, 6 or 9 months, may take a little longer, in line with the 24 to 48 hour approval window described alongside those plans, since a bigger commitment reasonably gets a closer look.

Before you commit, you see your full plan, the total cost, and your monthly amount. Nothing is signed until you are comfortable with all three.

First time customers begin with a conservative starter limit, which protects you from taking on more than you can comfortably manage. Every plan you repay on time counts toward a higher limit, applied automatically without you having to ask.

In other words, you build the credit history you never had simply by using SahulatKar responsibly. A pattern of on time repayment across a few Pay in 4 plans is often enough to unlock a larger limit or eligibility for a longer Pay Monthly plan, without any separate application or paperwork on your part.

Choose the plan length that fits your budget, then pay your installments through JazzCash, Easypaisa, Raast, or a debit or credit card. You pick the payment method, not us, and you can generally use a different method for each installment if that is what fits your situation that month.