ApnaQarz was born from a simple belief: every Pakistani family deserves access to ethical financial support. We've helped 50,000+ families build homes, grow businesses, and transform their futures — all without charging a single rupee in interest.
To break the cycle of debt for Pakistani families by providing interest-free loans that create real, lasting change. Every loan we give helps a family build a home, start a business, educate their children, or overcome an emergency — without the crushing weight of interest pulling them backward.
A Pakistan where financial need never blocks dreams. Where families don't have to choose between dignity and survival. We're building a future where ethical lending isn't the exception — it's the standard. Where every community has access to fair, transparent, and compassionate financial support.
These principles guide every decision we make and every loan we provide.
No fine print, no hidden charges, no surprises. You'll always know exactly what you're getting — and what you're paying back.
We're not here to profit from your need. We're here to build relationships that last beyond any single loan.
Every loan strengthens not just one family, but entire neighborhoods. When one of us grows, we all grow.
Your background doesn't matter. Your need does. Every applicant gets equal treatment and equal opportunity.
Built on Islamic finance principles. We don't just follow the rules — we honor the spirit of Qarz-e-Hasna.
Behind every application is a family hoping for a better tomorrow. We never forget the human story in every form we receive.
A timeline of our growth and the lives we've touched along the way.
Started with a simple question: Why should families suffer under interest? ApnaQarz was born to provide an ethical alternative.
Reached our first milestone — 1,000 families helped with interest-free support. Each story strengthened our resolve.
Added 9 specialized loan programs. From home loans to emergency support — covering every major life need.
Over 50,000 families served across Pakistan. PKR 5+ billion disbursed with zero interest charged. The community spoke — and we listened.
We've developed a comprehensive approach that ensures every loan reaches the right person at the right time, with complete transparency and accountability throughout the process.
We focus on genuine needs, not credit scores. Your story matters more than your financial history.
We design loans that build assets, not dependency. Every rupee helps create lasting financial stability.
From Karachi to Kashmir, we serve urban centers and rural communities with the same dedication.
Thorough but respectful verification. We check carefully because responsible lending protects everyone.
These aren't just numbers — they're homes built, businesses launched, educations completed, and emergencies survived.
You've seen what's possible. Now it's your turn. Join 50,000+ families who found a better way to finance their dreams — with dignity, not debt.