Borrow without interest. Repay in installments you can manage.
AkhuwatLoan connects everyday Pakistanis who need a helping hand with donors who fund it — no interest, no hidden fees, ever. Just a loan, repaid at your own pace.
Every rupee repaid is loaned out again to the next family. Your donation never runs out.
How a loan reaches you
Three steps, no paperwork maze, no interest calculation to worry about.
Apply online or in person
Tell us who you are, what the loan is for, and how much you need. It takes about ten minutes.
We verify and approve
A local coordinator reviews your application and guarantor details, usually within a few working days.
Repay in easy installments
Pay back only the amount you borrowed, in monthly installments sized to what you can actually afford.
Why we never charge interest
A loan meant to help someone escape hardship shouldn't grow the burden it was meant to lift. That's the whole idea behind Qarz-e-Hasna — a benevolent loan, repaid only in the amount borrowed.
- You repay exactly what you borrowed — nothing more.
- Repayments fund the next person's loan, creating a cycle that keeps giving.
- Donors' contributions are recycled, not spent once.
Loans for the moments that matter
Whatever the need, the terms stay the same: no interest, flexible installments.
Business
Start or grow a small business — a cart, a shop, tools of a trade.
Education
Cover tuition, books, or exam fees so school isn't interrupted.
Health
Manage urgent medical costs without turning to high-interest debt.
Housing
Repair or improve a home — a roof, a wall, a working door.
Marriage
Meet essential wedding costs without falling into debt to do it.
Agriculture
Seeds, tools, or livestock to keep a small farm running.
Emergency relief
Recover from a flood, fire, or sudden loss of income.
Vehicle for work
A rickshaw, bike, or cart that becomes someone's livelihood.
Fund a loan, not a one-time gift
Your donation goes out as a loan. When it's repaid, it goes out again — to another family, and another. One donation, many lifetimes of help.
See donation optionsNeed a loan yourself?
If you're facing a cost you can't cover alone, apply below. There's no interest, no penalty for asking.
Start applicationWays to donate
Pick whichever is easiest — bank transfer, a payment gateway, or scan a QR code directly.
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Scan to pay
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Apply for a loan
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