Who We Are

Pak Paisa – Empowering Access Through Installments

Pak Paisa was founded to bridge a critical gap in the financial services landscape that traditional banks have long overlooked. While conventional institutions often focus on wealth management and high-value clients, a vast segment of the population—particularly low- and middle-income households—remains underserved. These communities face limited access to affordable financing, relying heavily on cash transactions, and are often excluded from opportunities to improve their quality of life through essential purchases.

A recent State Bank of Pakistan report shows progress in financial inclusion, with 177 million bank accounts now active and 60% of adults—including 43% women—part of the formal system. Yet, true inclusion goes beyond just having an account. Many individuals still lack access to credit solutions that allow them to meet everyday needs such as appliances, electronics, education tools, healthcare products, and even home improvements.

Pak Paisa recognizes this gap and is dedicated to offering flexible, affordable installment plans that empower underserved communities to access essential goods without the burden of upfront costs. By converting aspirations into affordable monthly payments, we aim to transform access into ownership and help individuals improve their quality of life.

But access alone isn’t enough. Many customers—especially those unfamiliar with formal credit systems—require guidance to use installment plans responsibly. That’s why financial literacy is a core part of our model. Through digital tools, educational content, and on-the-ground ambassadors, Pak Paisa helps customers understand repayment structures, manage budgets, and make informed purchasing decisions.

By combining seamless digital installment solutions with financial education, Pak Paisa is not only enabling people to buy what they need today, but also helping them build the financial confidence and discipline necessary for long-term stability.

Our vision is to create a more inclusive marketplace where everyone, regardless of background or income level, can participate fully and with dignity—turning access into ownership, and ownership into empowerment.

The vibrant design and personalized content truly reflect our values and connect with our audience beautifully.

Kinza Shah

I love how the bright background enhances the message, making it engaging and memorable for visitors.

Abeer Ahmad

★★★★★

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