Buy Now Pay Later Apps In Pakistan (Top 3) [Buy Now Pay Later Pakistan]

While the Buy Now Pay Later (BNPL) model is not new globally, it was introduced relatively recently in Pakistan. However, the sector has been marred by widespread scams and data theft from unauthorized nano-lending apps and platforms, eroding trust among the populace.

This article highlights the top three BNPL apps in Pakistan that are registered with the Securities and Exchange Commission of Pakistan (SECP) to address these concerns and guide consumers towards reliable options.

These apps operate on models such as Earned Wage Access (EWA), Business-to-Business (B2B), and Business-to-Consumer (B2C).

Here are the BNPL apps on our list:

• Muawin Loan App (B2B Financing)
• ZOOD (Buy Now Pay Later App)
• Abhi-Your Salary Now! (Earned Wage Access).

Explore their key offerings and learn how to access their financing options with our step-by-step guide. Let’s dive into the details!

Read More:

• List Of Online Loan Apps In Pakistan (Fake Loan Apps)
• Top 3 Loan Apps In Pakistan (5K-50K Urgent Cash Loan App)
• Barwaqt Loan App: Best Loan App In Pakistan (30,000 Rupees Loan Urgently)

Top 3 Buy Now Pay Later Apps In Pakistan | Buy Now Pay Later Pakistan Without Credit Card

Muawin Loan App: Pakistan’s First B2B BNPL Solution

Muawin is Pakistan’s first B2B Buy Now, Pay Later (BNPL) platform, offering tailored financial solutions for small retailers, gig workers, and the agricultural community. By leveraging in-house technology and strong supply chain partnerships, Muawin provides Shariah-compliant credit to empower businesses and individuals with flexible working capital.

What is Muawin?

Muawin is a digital lending platform designed to support small businesses and gig workers by offering interest-free, Shariah-compliant financing. It operates on a BNPL (Buy Now, Pay Later) model, allowing users to access inventory, fuel, and agricultural inputs without upfront payments.

Key Features:

• End-to-end digital financing
• Quick processing (within 5 hours)
• Flexible repayment options
• Shariah-friendly Murabaha agreements

Muawin’s Financial Products

A. Munafa – For Small Retailers

Tailored for small shop owners, Munafa provides working capital in the form of inventory, helping retailers stock up without immediate payments.

How It Works:

• Retailers order inventory on credit.
• Repayment is made later via multiple options (e-wallet, bank transfer, cash, etc.).

Benefits:

✅ Flexible working capital – Buy more, sell more.
✅ Fast processing – Inventory delivered within 48 hours.
✅ Credit limit rewards – Timely repayments increase limits.

B. Sahulat – For Gig Workers

Designed for ride-hailing and delivery workers, Sahulat offers fuel financing, enabling gig workers to maximize earnings without cash constraints.

How It Works:

• Workers receive fuel credit cards or e-top-ups.
• Repayment is adjusted against future earnings.

Benefits:

⛽ Increased mobility – More rides, more income.
💳 Digital management – Easy fuel limit tracking.
🔄 Credit rewards – Better repayment history leads to higher limits.

C. Kashtkar – For Farmers & Agri-Supply Chain

Kashtkar supports farmers and dealers by offering agricultural inputs on credit, ensuring uninterrupted farming operations.

How It Works:

• Farmers receive seeds, fertilizers, and equipment upfront.
• Payments are made post-harvest or in flexible installments.

Benefits:

🌾 Higher productivity – Access to quality inputs.
💰 Better cash flow – No upfront payments.
📈 Dealer benefits – Increased sales and customer loyalty.

3. Why Choose Muawin?

For Borrowers:

✔ Shariah-compliant financing (No interest, only fixed service fees).
✔ Quick approvals & disbursements (Within 5 hours).
✔ Multiple repayment options (Bank transfer, e-wallet, cash).

For Partners (Suppliers & Dealers):

✔ Increased sales volume – Retailers and farmers buy more.
✔ Customer retention – Strengthened business relationships.
✔ Higher SKU penetration – Wider product adoption.

4. How to Apply for Muawin Financing?

1. Visit Muawin’s website or app.
2. Select the product (Munafa, Sahulat, or Kashtkar).
3. Submit the required documents.
4. Get approved within hours.
5. Receive inventory, fuel, or agri-inputs within 48 hours.

Muawin is revolutionizing B2B financing in Pakistan by offering easy, fast, and Shariah-compliant credit solutions. Whether you’re a small retailer, gig worker, or farmer, Muawin provides the financial support needed to grow your business without the burden of immediate payments.

🚀 Apply now and unlock flexible working capital with Muawin!

ZOOD: Buy Now, Pay Later

ZOOD is a leading digital lending platform driving financial inclusion across Pakistan, Uzbekistan, and Lebanon by offering interest-free BNPL (Buy Now, Pay Later) and flexible credit solutions. With a vast ecosystem covering FinTech, E-commerce, and E-logistics, ZOOD empowers 10 million+ users with seamless shopping and financing options.

What is ZOOD?

ZOOD is a Swiss-headquartered FinTech company operating in emerging markets, providing:

• Interest-free BNPL (4 installments)
• Consumer credit (6 or 12 installments)
• SME inventory financing
• E-commerce (ZOOD Mall) & E-logistics (ZOOD Ship)

Key Stats:

✔ 10M+ users
✔ 7M+ products
✔ 30,000+ merchants
✔ Operational in 3 countries (Pakistan, Uzbekistan, Lebanon)

2. The ZOOD Ecosystem

A. ZOOD Pay (FinTech)

• BNPL (4 installments, interest-free) – Split payments over 4 months.
• Consumer Credit (6 or 12 installments) – Larger purchases with flexible repayment.
• SME Financing – Inventory & working capital support for businesses.

B. ZOOD Mall (E-commerce)

• 7M+ products from 30,000 sellers.
• Free delivery & installment payments.

C. ZOOD Ship (E-logistics)

• Last-mile delivery via Fargo Parcel Services.
• Smart lockers & pick-up points for convenience.

ZOOD’s Lending Products

A. ZOOD Pay BNPL (Buy Now, Pay Later)

• 4 interest-free installments (25% upfront, rest in 3 months).
• Max limit: $500 (or local equivalent).

✅ Best for: Small purchases, budget-friendly shopping.

B. ZOOD Pay Credit (6 or 12 Installments)

• Interest-bearing but flexible repayment.
• Max limit: $1,500 (or local equivalent).

✅ Best for: High-value purchases, electronics, appliances.

C. ZOOD SME Financing

• 30-day inventory financing for businesses.
• Helps merchants stock up without cash flow issues.

✅ Best for: Retailers, wholesalers, small businesses.

4. Where Can You Use ZOOD Pay?

A. ZOOD Mall (Marketplace)

• 7M+ products – Shop electronics, fashion, groceries.
• Free delivery & BNPL options.

B. Partner Online Stores (1,000+ Merchants)

• Pay in installments at e-commerce websites.

C. In-Store BNPL (3,000+ Physical Stores)

• Use ZOOD Pay at brick-and-mortar shops.

5. How to Apply for ZOOD Pay?

1. Sign up on ZOOD Mall or partner stores.
2. Select “Pay with ZOOD” at checkout.
3. Choose installment plan (4, 6, or 12 months).
4. Get instant approval (credit check required).
5. Pay & enjoy!

Eligibility Criteria:

• 18+ years old
• Valid debit/credit card (minimum 3 months validity)
• Order value between 15–15–1,500

6. Why Choose ZOOD?

✔ Interest-free BNPL (4 installments).
✔ Fast approval & seamless checkout.
✔ Wide merchant network (online & offline).
✔ SME-friendly financing solutions.
✔ Shariah-compliant options available.

ZOOD is transforming digital payments in Pakistan, Uzbekistan, and Lebanon by offering flexible, accessible, and interest-free financing. Whether you’re a shopper, merchant, or SME, ZOOD provides the perfect Buy Now, Pay Later solution for your needs.

Contact ZOOD Pakistan:

📍 Address: Plot #8 & 9, First Floor, Intelligence Colony, Mai Kolachi Bypass, Karachi
📧 Email: support.pk@zoodpay.com

🛍️ Shop now, pay later with ZOOD!

Abhi – Your Salary Now!

Abhi is transforming financial wellness in Pakistan by offering instant salary access, seamless payroll solutions, and business financing. With Abhi, employees can withdraw earned salaries anytime, while businesses enjoy efficient payroll management and quick financing options – all through a Shariah-compliant platform.

What is Abhi?

Abhi is Pakistan’s leading Earned Wage Access (EWA) platform that provides:

• On-demand salary withdrawals before payday
• Digital payroll solutions for businesses
• Invoice factoring & business financing
• Shariah-compliant financial services

Key Features:

✅ Instant salary access in 30 seconds
✅ Flat Rs. 150 fee per transaction
✅ No interest charges (Shariah-compliant)
✅ 2000+ partnered companies

Abhi Salary – Access Your Earned Wages Instantly

How It Works?

1. Company onboarding – Employers integrate with Abhi
2. Daily accrual – Earned salary updates in real-time
3. Withdraw anytime – Get funds via app/SMS in 30 sec
4. Auto-deduction – Repayment on next payday

Withdrawal Methods:

📱 Abhi App – User-friendly interface
✉️ SMS Service – No smartphone needed
💳 Abhi Salary Card – ATM withdrawals

Benefits for Employees:

✔ Emergency cash without loans
✔ No long approval processes
✔ Full visibility of earned wages
✔ Financial stress reduction

AbhiPayroll – Modern Payroll Management

Why Switch?

• One-click payroll processing
• Auto-salary deductions for EWA users
• Digital records for compliance

Business Advantages:

📈 Increased employee retention (81% morale boost)
💸 Reduced financial stress in the workforce
⏱ Saves 80% of time vs traditional payroll

Abhi Business Financing Solutions

A. Invoice Factoring

• Get up to 80% invoice value immediately
• 3-step process: Consultation → Approval → Funding

B. COD Financing

• Unlock cash tied in deliveries
• Ideal for e-commerce & logistics

C. Platform-Based Financing

• Special programs for Daraz sellers & foodpanda chefs

Key Benefits:

🚀 Same-day disbursement
🔄 Improves cash flow cycles
📊 Customized repayment plans

Why Choose Abhi?

Feature	Benefit
Shariah Compliance	Interest-free solutions
30-Second Access	Emergency funds instantly
Flat Fee Structure	No hidden charges
Employee Wellness	71% prefer EWA benefits
Business Growth	Improved liquidity

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Getting Started with Abhi

For Employees:

1. Check if the employer is Abhi-partnered
2. Download Abhi App
3. Withdraw earned salary in 30 seconds

For Businesses:

1. Contact connect@abhi.com.pk
2. Integrate the payroll system
3. Empower your workforce

📍 Corporate Office:
505 A, 5th Floor Fortune Towers, Shahrah-e-Faisal, Karachi
📞 Helpline: 021-111-224-475

With 55% of employees facing unexpected expenses and 50% earning ≤PKR 76,900, Abhi’s solutions address critical financial pain points. Backed by Bloomberg, Dawn, and TechAsia, Abhi is redefining workplace finance in Pakistan.

💡 Join the 2000+ companies transforming employee financial health today!

Muawin vs ZOOD vs Abhi: Which App Gives Maximum Benefits to Common Users?

Choosing the right financial app can be challenging. Let’s compare Pakistan’s top three fintech solutions – Muawin, ZOOD, and Abhi – to determine which offers the best benefits for common people.

Quick Comparison Table

Feature	Muawin	ZOOD	Abhi
Primary Service	B2B BNPL for retailers/gig workers	BNPL shopping & SME financing	Salary advances & payroll solutions
Best For	Small businesses & farmers	Online shoppers	Salaried employees
Interest-Free	✅ Yes (Islamic)	✅ BNPL only	✅ Yes
Processing Time	5 hours	Instant	30 seconds
Max Limit	Varies by product	$1,500	Up to earned salary
Repayment	Flexible terms	4-12 installments	Next salary deduction
Unique Benefit	Agri-financing for farmers	Cross-border e-commerce	Emergency salary access

Which App is Best for Common People?

🏆 Winner: Abhi

Why?

• Provides immediate financial relief for emergencies (medical bills, school fees, etc.)
• No debt trap – Only accesses already-earned salary
• Simplest process – No credit checks, just employer partnership
• Lowest cost – Flat Rs. 150 fee vs percentage-based interest

When to Choose Others?

• Muawin: Ideal for small shop owners, farmers, or ride-hailing drivers needing inventory/fuel financing
• ZOOD: Best for frequent online shoppers wanting installment plans

Key Advantages of Each App

Abhi (Best for Employees)

• ✅ Instant salary access during emergencies
• ✅ No interest (unlike traditional loans)
• ✅ Reduces reliance on predatory lenders

ZOOD (Best for Shoppers)

• ✅ 4 interest-free installments on ZOOD Mall
• ✅ Wider merchant acceptance (7 M+ products)
• ❌ Credit checks required for higher limits

Muawin (Best for Entrepreneurs)

• ✅ Shariah-compliant working capital
• ✅ Supports agriculture & retail sectors
• ❌ Niche focus – Less useful for salaried individuals

Final Recommendation

For 90% of common users (salaried employees), Abhi provides the most practical benefits because:

1. Addresses real emergency needs without debt
2. Has zero interest unlike credit cards/loan apps
3. Simplest eligibility (just need employed status)

However, small business owners should consider Muawin, while online shoppers may prefer ZOOD’s BNPL.

💡 Pro Tip: Many Pakistanis use Abhi for emergencies + ZOOD for shopping as complementary services!