Two financing products, both underwritten manually and priced in transparent PKR terms.
Explore KRFS
Practical financial support, thoughtfully structured around the decision in front of you.
Clear terms from the start
Borrow against any vehicle you own — no catalogue, no pre-listing requirement. Submit your vehicle and ownership details, our team manually inspects and values it, and a credit officer sets your approved amount, tenure and rate.
Explore this optionFinance an appliance or electronics purchase from our partner catalogue with a down payment and structured monthly installments, instead of paying the full price upfront.
Explore this option
How we help
A more thoughtful financial experience, designed around informed decisions rather than unnecessary complexity.
A credit officer or loan analyst personally assesses your vehicle or purchase before terms are set.
Built around youYour installment amounts and due dates are confirmed before you accept — no surprises later.
Built around youKYC and required documents are checked up front, so approved terms hold once confirmed.
Built around youOne team follows your application from submission through disbursement.
Built around youQuestions, answered
Straightforward answers to help you understand the details and move forward with confidence.
3 common questions
Select a question to reveal the answer
No. There is no vehicle catalogue and no requirement that the vehicle be pre-listed — any vehicle you own can be submitted for valuation.
Our credit team manually reviews your application and vehicle valuation (or purchase details for consumer durable financing) and sets an approved amount, tenure and rate specific to your case.
All KRFS loans, repayments and statements are denominated in Pakistani Rupees (PKR).
Create an account and start your application in a few minutes.
