QarzMitra-Easy Borrow Loan

QarzMitra is a digital personal cash loan and credit finance app designed for users in Pakistan. Eligible individuals can apply for a personal cash loan online from their mobile phone without branch visits. Whether you need funds for household expenses, utility bills, medical emergencies or short-term cash needs, QarzMitra provides a convenient, secure and transparent way to access personal credit.

### WHY QARZMITRA
* Fast personal cash loan - apply online via your smartphone and complete the process digitally.
* Flexible borrowing - choose your loan amount and tenure based on your eligibility.
* Transparent terms - APR, repayment schedule and total amount are disclosed before loan acceptance.
* No additional fees - QarzMitra charges no extra hidden fees under stated loan terms.
* Secure and private - we use industry-standard encryption to protect personal data.
* 100% digital application - no paper forms or physical branch queues.
* Made for Pakistan - designed specifically for eligible Pakistani borrowers.

### PERSONAL CASH LOAN DETAILS
QarzMitra provides personal loans subject to eligibility and credit assessment.
* Loan amount: PKR 1,000 to PKR 50,000.
* Repayment tenure: 61 to 90 days.
* Annual Interest Rate: 15% - 273.75%
* Additional fees: None.
* Overdue penalty interest: 2.3% per day. No overdue penalty interest is charged when repayment is made on time.

### REPRESENTATIVE LOAN COST EXAMPLE
If you borrow PKR 50,000 at an annual interest rate of 15% (0.04% per day) for 90 days (3 months), with no additional fees:
* Daily interest: PKR 50,000 × 0.04% = PKR 20.
* Monthly interest: PKR 20 × 30 = PKR 600.
* Monthly payment: PKR 50,000 ÷ 3 + PKR 600 = approximately PKR 17,267.
* Total interest: PKR 600 × 3 = PKR 1,800.
* Total repayment: PKR 50,000 + PKR 1,800 = PKR 51,800.

This representative example is for reference only. Final interest rate, approved loan amount and repayment terms may vary based on credit assessment.

### HOW TO APPLY
1. Download and install QarzMitra from Google Play.
2. Register an account and provide the required personal information.
3. Choose a loan product and amount that suits your eligibility.
4. Submit your application for review.
5. Review applicable loan terms before accepting the offer.
6. Once approved, funds will be transferred to your linked account.
7. Repay on time according to the agreed repayment schedule.

### ELIGIBILITY
* You must be at least 18 years old.
* You must hold a valid Pakistani CNIC / ID card.
* You must have a stable source of income.
* Loan approval, amount, interest rate and terms are subject to credit assessment and eligibility.

### DATA AND PRIVACY
QarzMitra takes user privacy seriously. We comply with applicable Pakistani laws and use bank-level encryption to protect personal information. Personal data will not be shared with third parties without your explicit consent, except as required by law. Please review our Privacy Policy before using the service.

### REGULATORY DISCLOSURE
QarzMitra is operated by FINTECH GHARANA FINANCIAL (PRIVATE) LIMITED, a Non-Banking Finance Company (NBFC) licensed by the Securities and Exchange Commission of Pakistan (SECP).

Company Name: FINTECH GHARANA FINANCIAL (PRIVATE) LIMITED
Main Business: Financial lending
Company Status: NBFC (Non-Banking Finance Company providing investment and lending services)
SECP License Number: No. SECP/LRD/131/FGFPL/2025

QarzMitra is committed to responsible lending, transparent terms and full compliance with Pakistani regulations.

### CUSTOMER SUPPORT
Email: cs@fintechgharanafinancial.com
Working Hours: Monday to Sunday, 9:00 AM to 5:30 PM
Address: Office No.5B, Mezzanine Floor, Al Malik Centre, Jinnah Avenue, Blue Area, Islamabad

Download QarzMitra today for a fast, transparent and convenient personal cash loan experience in Pakistan.