Smart Qarza Safe Easy Cash Loan App

In Pakistan, you can use SmartQarza to ask for a personal loan whenever you want. We accept applications from anyone who meets the basic standards. SmartQarza puts you in touch with a team of professionals who can help you get your loan accepted quickly and without any trouble. You only need to fill out some basic information online, and then you can use the loan’s perks. Choose the loan that best fits your needs and the money will be sent to your account as soon as you are approved. Allow us to help you!

Smart Qarza Safe Easy Cash Loan App
Smart Qarza Safe Easy Cash Loan App

Gold Lion Financials (Private) Limited runs SmartQarza. This is an NBFC company that is licensed by the SECP. We always follow the rules and laws in Pakistan, and we promise to give our customers a loan service that is safe, clear, and reliable.

Gold Lion Financials (Private) Limited (“us”, “we”, or “our”) operates the SmartQarza mobile application (the “App”) and provide various loan services on the App (the “Service”). This Privacy Policy (the “Policy”) informs you of our collection, use, and disclosure of Personal Data when you use our App or any Service provided thereon and the choices you have associated with your Personal Data. Every time you (as a user or visitor) are mentioned, your co-applicants, if any, are also mentioned.

We use your Personal Data to provide and improve the experience on our App and the Service. By using the App and the Service, you agree to the collection and use of information in accordance with this policy. You will not be able to use the relevant service on the App if you disagree with these terms or withdraw your consent for us to collect and access certain information; in this case, please immediately stop using the App or any Services and close the App.

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Product Introduction:

Loan Amount: from PKR 2,000 to PKR 50,000

Loan Term: from 91 days to 365 days

APR (Annual interest rate): 5%-10%

Maximum APR: 10%

Other fees: 0

Loan Example

If you apply for a loan with the principal amount of PRK 5,000 and the loan term is 120 days (4 months), the annual interest rate is 10%, and other fees are 0, then you need to pay as follows:

Loan amount disbursed in hand: 5,000

Total interest payable: 5,000*10%*120/365=164

Daily interest: 5,000*10%/365=1.37

The total payable amount: 5,000+164=5,164

Monthly payment amount: 5,164/4=1,291

How to apply with us?

1. Install SmartQarza from Google Play and register an account with your mobile number.

2. Fill out the basic application forms online within 3-5 mins.

3. Submit your application and get approved soon.

4. Loan disbursed instantly into your bank account.

5. Repay your loan on time.

6. Get another loan with a higher amount, longer term, and lower fees.


You are 19-55 years old.

You need to be a Pakistani citizen

You hold a valid ID Card

You have a stable source of income or employment

Security and privacy protection

When you use our app, we might ask for permission to access some of the information on your phone so we can help you more. This process can also help us figure out if you are qualified to apply. All of your information will be kept as safe as a bank, and it will never be shared with anyone else without your permission.

During your loan application process, we require the guarantor or co-maker or designated contact information, which is selected by you from your contact list. You will have a better experience in our platform when you agree with the contact permission so that you can use the auto-fill feature when you fill out the emergency contacts information. Besides, we need to use this information to enrich your credit profile and assess your credit level. Thus we will upload your contact information, which allows us to detect your credible references. The more credible your references, the higher your creditworthiness your profile will be. 

We collect and analyze your SMS information including the login OTP code as well as financial-related SMS from your inbox. We use the SMS information to assess your credit profile by analyzing the SMS information such as the financial transaction content, which includes the transaction parties, amounts, and descriptions so that we can make a proper assessment of your line of credit which is based on the evaluation of your spending budget and ability to repay. Besides, in order to provide you with a better experience, we also use the OTP code information from your SMS to facilitate the auto-fill OTP process during your login process.

Contact information

Online customer service: We recommend you to contact us by our online customer service within our APP. We will respond to your request ASAP.

Customer care email:

Customer service working hours: 9AM – 6PM (Monday – Sunday)

Customer service office address: Office numbers 02 and 04, 2nd Floor Rajpoot Plaza GT Road Wah Cantt Tehsil Taxila Distt Rawalpindi, Punjab, Pakistan.

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FAQs: Smart Qarza Safe Easy Cash Loan App

What is Smart Qarza Safe Easy Cash Loan App?

Smart Qarza Safe Easy Cash Loan App is a mobile application that provides a quick and easy way for users to access cash loans. It offers a user-friendly interface and a secure platform for borrowers to apply for loans conveniently.

How do I download the Smart Qarza Safe Easy Cash Loan App?

You can download the app from the official app store on your mobile device. Visit the Google Play Store for Android users or the Apple App Store for iOS users. Search for “Smart Qarza Safe Easy Cash Loan App” and follow the installation instructions.

What are the eligibility criteria for obtaining a loan through the app?

Eligibility criteria may vary, but generally, users need to be of legal age, have a stable source of income, and meet other requirements outlined in the app. The app will guide you through the eligibility process during the loan application.

How much can I borrow through the Smart Qarza Safe Easy Cash Loan App?

The loan amount you can borrow depends on various factors, including your financial profile and the app’s policies. The app typically provides this information during the application process.

What is the repayment process like?

Repayment processes vary, but generally, the app provides a clear repayment schedule with due dates and amounts. Users may link their bank accounts or provide other payment methods for seamless repayments.

Is my personal information secure with the Smart Qarza Safe Easy Cash Loan App?

Yes, the app prioritizes the security and privacy of user information. It typically employs encryption and other security measures to protect your personal and financial data.

How quickly can I get approved for a loan?

Approval times can vary, but the app is designed for quick processing. Some users may receive approval within a few hours, while others may take a bit longer. The app usually provides an estimated time during the application process.

Are there any fees associated with using the Smart Qarza Safe Easy Cash Loan App?

The app may have associated fees, such as processing fees or interest rates. These details are typically transparent and disclosed to users during the application process. Be sure to review the terms and conditions for a clear understanding of any associated costs.

What happens if I miss a repayment?

Missing a repayment may result in additional fees or penalties. It is important to communicate with the app’s customer support if you anticipate any issues with repayment, as some apps may offer flexibility or alternative solutions.

How do I contact customer support for the Smart Qarza Safe Easy Cash Loan App?

The app usually provides a customer support contact option within the application. Look for a “Contact Us” section or similar in-app feature to get in touch with the support team for any inquiries or assistance.

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