The year 2025 brings new financial opportunities for Pakistanis looking for quick and reliable personal financing. Allied Bank Personal Loan Pakistan 2025 offers flexible borrowing options for salaried and self-employed individuals who want to cover urgent expenses like medical bills, home repairs, education costs, weddings, or travel.
With a simple application process, competitive mark-up rates, and no collateral requirement, Allied Personal Finance is one of the most accessible loan products available in Pakistan today.
In this detailed guide, you’ll learn everything about eligibility, documents, benefits, repayment terms, and how to apply step-by-step.
What Is Allied Bank Personal Loan Pakistan?
Allied Personal Finance is an unsecured term loan designed for Pakistani citizens who need quick financial support without pledging any property or asset.
Since it is unsecured, it becomes easier for customers to apply — especially salaried individuals. The loan can be used for:
- Emergencies (medical/hospital bills)
- Home renovation
- Travel expenses
- Education or tuition fees
- Wedding and event cost
- Buying appliances
- Any personal financial need
All details are based on and aligned with the official Allied Bank website.
Key Features at a Glance
| Feature | Detail |
|---|---|
| Loan Amount | PKR 30,000 to PKR 3,000,000 |
| Repayment Tenure | 12, 24, 36, or 48 months |
| Mark-Up Rate | Based on 1-Year KIBOR + Bank Spread |
| Processing Fee | 1% of loan amount (min PKR 2,000) |
| Collateral | Not required (unsecured loan) |
| Prepayment | Allowed after 6 months |
| Eligibility – Salaried | Age 21–59, stable income |
| Eligibility – Self-Employed | Age 21–64, business income proof |
Eligibility Criteria
Eligibility varies for salaried and self-employed applicants.
Salaried Individuals
- Must be a Pakistani national
- Age between 21 and 59 years
- Stable monthly salary
- Salary must be credited to a bank account
- Employment verification required
Self-Employed / Business Owners
- Pakistani citizen aged 21 to 64 years
- Running a business for a minimum required period
- Proof of income via bank statements or financial documents
- Business verification required
Required Documents for Allied Bank Loan
To complete your application, prepare the following:
- CNIC (front & back copy)
- Recent salary slips (for salaried employees)
- Business financial statements (for self-employed)
- 6-month bank statement
- Employment or business proof
- Passport-sized photographs
- Completed Allied Bank loan application form
How to Apply for Allied Bank Personal Loan (Step-by-Step)
Applying for Allied Personal Finance is simple and can be done online or through a nearby branch.
Step 1: Visit the Official Website
Go to https://www.abl.com/personal-banking/personal-loan/
Step 2: Use the Loan Calculator
Enter your preferred loan amount and tenure to calculate your expected monthly installment.
Step 3: Check Your Eligibility
Ensure that you meet age, income, and employment requirements.
Step 4: Prepare Your Documents
Keep your CNIC, bank statement, and income proof ready.
Step 5: Submit the Online or Branch Application
You can apply online or visit the nearest Allied Bank branch.
Step 6: Verification Stage
The bank will verify your job, income, and credit score.
Step 7: Approval & Signing
Once approved, you will sign the loan agreement.
Step 8: Loan Disbursement
Loan amount is transferred directly to your bank account — often within a few working days.
Key Benefits of Allied Bank Personal Loan 2025
- Unsecured financing — no collateral required
- Flexible repayment from 1 to 4 years
- Quick processing and disbursement
- Easy documentation for salaried and business owners
- Transparent charges with no hidden fees
- Option for partial prepayment after 6 months
- Loan available for a wide range of personal needs
Important Things to Consider
Before applying, keep these points in mind:
- Mark-up rate depends on 1-Year KIBOR + bank spread
- Processing fee = 1% of the loan amount
- Prepayment is allowed only after 6 months
- Maintaining a stable income increases approval chances
- Always apply via official Allied Bank channels to avoid scams
Allied Bank Helpline & Contact Information
- Official Website: https://www.abl.com/personal-banking/personal-loan/
- Customer Helpline: 111-225-225
- Visit Branch: Meet a loan officer for personalized guidance
Conclusion
Allied Bank Personal Loan Pakistan 2025 is a practical and flexible financing solution for individuals who need fast funds without any security or collateral. With clear eligibility rules, quick approval, and multiple repayment options, it is ideal for covering personal expenses and emergencies.
Before applying, always check updated mark-up rates on the official bank website and ensure you meet the income criteria.
FAQs
1. What is the minimum loan amount I can apply for?
You can borrow as low as PKR 30,000 under Allied Personal Finance.
2. What is the maximum repayment period?
You can repay the loan over up to 48 months (4 years).
3. Can self-employed individuals apply?
Yes. Self-employed individuals can apply with valid proof of business income.
4. How long does the loan take to get approved?
After verification, the loan is usually approved and disbursed within a few working days.
5. Does Allied Bank require collateral?
No. It is an unsecured loan, so no collateral is required.
