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Instant funds with Zindigi's Advance Cash

Advance Cash

Are you searching for a solution to your financial worries? Look no further! Zindigi proudly introduces Advance Cash, your trusted lending companion for meeting immediate financial needs, where your data protection is our priority, and transparency rules the game with no hidden charges.

Ready to redefine the way you borrow? Dive in and embrace financial freedom with Advance Cash by Zindigi and access up to Rs. 100,000 instantly!

Terms & Conditions

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What is Zindigi Advance Cash?

Advance Cash is a nano loan facility disbursed into your Zindigi account instantly which can be utilized to
meet your urgent cash needs.

 

Customer needs to fulfil below criteria to be eligible for Advnance Cash:

  • Account is at least 3 months old.
  • At least one debit or credit transaction is performed in the last 3 months.
  • Customer’s ECIB (Electronic Credit Information Bureau) report does not have any overdue amount appearing against customers’ CNIC.

 

Note: Once all the above requirements are met, credit scoring is performed on each individual’s account to determine eligibility for Advance Cash. Customers fulfilling above criteria still may not be eligible as a result of credit scoring decision.

  • Your loan limit increases the more you use Zindigi.
  • Making timely repayments of any existing Advance Cash loan also increases your limit for next
    time
  • Minimum loan limit is PKR 100 and maximum loan limit is PKR 100,000

Corporate customers are currently not eligible for Advance Cash

The tenure for this loan facility is 4 weeks from the date of availing the loan.
A one-time Processing Fee of 2% of loan amount is deductible from loan amount at source.

A weekly service charge of 4.5% will be applied on the outstanding loan amount up to 4 weeks, after which
a weekly fee of 4% will be applied for the next 4 weeks.

No, you can avail another loan after repaying the existing one.

Yes, you can repay the loan any time within the 4-week tenure.

There are no early repayment charges.

There are no late payment charges.

If you are unable to repay within 4 weeks, the Bank will recover your outstanding loan amount from your
available account balance and account will be debit blocked with outstanding amount until fully
recovered.

You will be reported to the ECIB (Electronic Credit Information Bureau) as per the guidelines of The State
Bank of Pakistan. This will make it difficult for you avail a loan in the future from any bank.

You can log in to Zindigi app and tap on “loans” button on the home screen. Click on “Advance Cash” and accept the T&Cs (T&Cs visible to first time user only). Once you have accepted the T&Cs, the next screen will show you “Loan Limit” which is the total amount of loan you are eligible for.

You can log in to Zindigi app and tap on “loans” button on the home screen. Click on “Advance Cash” and you will be taken to the repayment dashboard where you will be able to see your outstanding loan amount, service charges, and total outstanding amount.

You can log in to Zindigi app and tap on “loans” button on the home screen. Click on “Advance Cash” and you will be taken to the repayment dashboard where you will find a repayment option. Enter the desired repayment amount and make your repayment.
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| Last updated: 17-04-2025