Umepaisa is a personal loan application for salaried individuals that provides loans ranging from 1,000 PKR to 1,00,000 PKR, deposited straight into your bank accountWith lower requirements and a convenient loan process, everything is done online for a smooth experience. The app boasts of SSL encrypted data transmission to ensure the safety of personal information. To apply for a loan, you need to be a resident of Pakistan, at least 18 years old, and have an ID card, bank card, and a selfie photo.

The loan amount varies from 3,000 PKR to 5,00,000 PKR with a tenure of 91 days to 365 days and an APR ranging from 8% to 30% per year. Unapproved applications do not attract any service fee. Once approved, the app provides a detailed breakdown of the total payable amount including principal, interest, and service fee. To apply for a loan, install the app from the Google Play Store, register with your phone number, fill out your personal information, agree and sign the electronic agreement, and wait for reviews.