SmartQarza is a mobile application in Pakistan that offers personal loans to eligible individuals. Below is and overview of its features, eligibility criteria, application process, and security measures.
Product Features:
Loan Amount: PKR 2,000 to PKR 50,000
Loan Term: 91 to 365 days
Annual Percentage Rate (APR): 5% to 10%
Other Fees: None
Example Calculation:
For a loan of PKR 5,000 over 120 days at a 10% annual interest rate:
Total Interest: PKR 164
Total Repayment Amount: PKR 5,164
Monthly Payment: Approximately PKR 1,291
Eligibility Criteria:
Ages 19 to 55
Pakistani citizen with a valid ID card
Stable source of income or employment
Application Process:
1. Download and install the SmartQarza app from the Google Play Store.
2. Register using your mobile number.
3. Complete the online application form within 3 to 5 minutes.
4. Submit your application for approval.
5. Upon approval, the loan amount is disbursed directly into your bank account.
6. Repay the loan on time to potentially qualify for higher amounts, longer terms, and lower fees in future applications.
Security and Privacy:
SmartQarza may request access to certain information on your device to assess eligibility and enhance service quality. All collected data is protected with bank-level security measures and is not shared with third parties without consent. The app may access your contact list to auto-fill emergency contact information and analyze SMS data to evaluate your credit profile.
Contact Information:
Email: SmartQarza@outlook.com
Customer Service Hours: 9 AM – 6 PM (Monday – Sunday)
Office Address: Office numbers 02 and 04, 2nd Floor Rajpoot Plaza GT Road Wah Cantt Tehsil Taxila Distt Rawalpindi, Punjab, Pakistan.
Caution:
While SmartQarza offers convenient access to personal loans, it’s important to exercise caution when using loan apps. Reports have highlighted concerns about fraudulent loan applications in Pakistan, including issues like data misuse and predatory lending practices. Before applying, ensure that the app is legitimate, read user reviews, and understand the terms and conditions thoroughly.
For a visual guide on how to use the SmartQarza app, you may find the following video helpful:
Loan apply
Hi
Sir loan kyun nhi mil rha
Hi sir
Sir please accept my loan application
Your company is beast sir
Ma Talha ka bara bhi bat kar raha ho talha ka accident ho gea ha or mujha nhi pata ka os na qarza lia howa ha or wo abhi bat karna ki halat ma nhi ha or jab wo theek ho ga ap ko information mil jai ge
SmartQarza@outlook.com
Pin code 4lafzo wala
Plz loan dy
App is not responding from last 3 days creating issue of network error all other apps running smoothly what should I do
Can U SMS in WhatsApp
Mujy 50000 rupy chahye tu kita interest ayega as pa time 90 days
I like my best friend
Mojha loan chaia
Mojha Lon chaia please 100000
50000 ki jarurat hai