SmartQarza-Safe easy cash loan

Gold Lion Financials (Private) Limited

About this app

🤩🤩SmartQarza holds a valid NBFC license from SECP. We bring Pakistani citizens fast, flexible, and secure personal loans—apply anytime, anywhere via your phone, with limits up to Rs 50,000.

📄📄Product Introduction:
Loan Amount: from PKR 2,000 to PKR 50,000
Loan Term: Maximum 90 days
APR (Annual interest rate): 10%-274%

📄📄Loan Example
If you apply for a loan with the principal amount of PRK 5,000 and the loan term is 90 days (3 months), the annual interest rate is 10%, other fees is 0, then you need to pay as follows:
Loan amount disbursed in hand: 5,000
Total interest payable: 5,000*10%*90/365=123.29
Daily interest: 5,000*10%/365=1.37
The total payable amount : 5,000+123.29=5,123.29
Monthly payment amount: 5,123.29/3=1,707.76

🖇️The assigned credit limit will be subject to the credit worthiness of the borrower


✨ 100% SECP-Licensed & Compliant
SmartQarza is powered by Gold Lion Financials (Private) Limited—an NBFC fully licensed by the SECP (License No. SECP/LRD/89/GLFPL/2024). We follow Pakistan’s laws and regulations to the letter, so you get a lending service that’s safe, transparent, and reliable. Your trust matters—we never cut corners on compliance.




💡💡 How to Apply? Only 5 Steps
● Download SmartQarza from Google Play and register with your phone number.
● Complete the quick online form (taking around 3-5 minutes).
● Submit your application and receive approval promptly.
● Funds will be transferred to your bank account shortly.
● Repay on time → Access higher amounts, longer terms and lower fees for your next application!


📌 Who Can Apply? Simple Eligibility
● 19-55 years old, Pakistani citizen
● Hold a valid ID Card
● Have a stable income or job

🔔 Security & Privacy Protection
When you use our app, we may request certain mobile phone information permissions—this helps us better assist your usage and verify your loan eligibility.Your data security is 100% guaranteed
For full details, please review our complete Privacy Policy: https://www.smartqarza.com/privacy.html

🔔 We’re Here When You Need Us
🎧 In-APP Online Support: Get quick responses directly in the app (our top pick!).
📮 Email: [e-mail]
📞 Hotline: [phone]｜ 04238048016
📅 Hours: 8AM – 8PM, 7 days a week
📍 Office: 02 & 04, 2nd Floor Rajpoot Plaza, GT Road Wah Cantt, Tehsil Taxila, Distt Rawalpindi, Punjab
🖇️ Company Site: https://www.goldlionpk.com/
🖇️ APP Website: www.smartqarza.com


❗❗Risk warning statement: lt is essential that you understand potential risk of over-indebtedness. Borrow responsibly and only take loans that you can comfortably repay within the agreed timeframe to avoid financial difficulties. Always read the terms and conditions carefully before availing any loan.
Your financial well-being is our priority.

Ratings and reviews

I have been using this app for more than 4 years and have taken several loans, but the loan advertisements are very misleading. They show attractive amounts like PKR 25,000 with installments around PKR 2,000, but the actual repayment amount can be much higher. For example, I am now being asked to repay PKR 35,950 instead of the advertised amount. Please show the complete and actual repayment amount, including all interest and charges, clearly in the advertisement. Long-term users deserve

I have the worst experience o with this app. the threatened by different ways. if you are late to repay the amount they calls you above 15 call on daily base. even they give you threats of police. I request the people to not bought the loan from this app if you're in very serious conditions so you can only bought the loan from easypeisa and jazzcash.

the interest rate is so high in the ads they used to say that the interest rate is very low but in reality it's a big fraud i received 17500 and have to repay 25000 means we have to pay 50% of the real amount as interest. The app is a big fraud please avoid and be aware.. more of that i just installed the app and put information but not apply for a loan they send the loan on their own...