Halan Microfinance Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Halan Microfinance Bank is a sensible pick for salaried borrowers in Pakistan who want a direct lender for personal, business or car loans without a broker choosing the lender. Borrowing runs PKR 50,000 to PKR 500,000 over 6 to 36 months, with a hard credit check shaping the decision.

Key facts

Best for
Salaried adults in Pakistan borrowing for personal, business or car costs.
Loan amount
PKR 50,000 to PKR 500,000 (Source, checked September 26, 2026)
Term
6 to 36 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Up to 7 working days to process and disburse (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Male or female, aged 18-65, valid CNIC, salary slip and bank statement showing salary credits (Source, checked September 26, 2026)
Loan types
Personal, Business, Car (Source, checked September 26, 2026)
Legal entity
Halan Microfinance Bank Ltd. (Source, checked September 26, 2026)
Headquarters
Pakistan (Source, checked September 26, 2026)
Founded
2012 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
halan.com.pk

Apps and profiles

Elsewhere
LinkedInm.facebook.com

Pros and cons

Pros

  • Lends directly as a lender, with no broker choosing between lenders (direct lender)
  • Personal, business and car loans from the same bank (personal, business and car)
  • Help by phone, email and a help centre (email, phone and help centre)
  • Supervised by the State Bank of Pakistan

Cons

  • A hard credit check, so an application is recorded whether or not it succeeds
  • The stated timing is Up to 7 working days to process and disburse, so it does not suit a short notice need
  • Repayment of 6 to 36 months sits under the 48 month median across the personal loans compared here
Halan Microfinance Bank

Ready to try Halan Microfinance Bank?

Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Salaried adults in Pakistan who can show a salary slip and a bank statement with salary credits
  • People who prefer dealing with the lender itself rather than a broker rate table (direct lender)
  • Borrowers covering personal, business or car costs with one bank (personal, business and car)

Who should look elsewhere

  • Borrowers paid in sterling, where Monzo Flex lends £10,000 to £35,000 instead
  • Borrowers banking in euros, since Cashspace ES works on amounts of €100 to €5,000

Safety and regulation

Loans come straight from Halan as a direct lender, so the borrower deals with one bank throughout and the credit decision is made in house. The State Bank of Pakistan supervises the lender, and that is where a complaint about how a loan was run belongs. Because Halan funds the loan itself, there is no third party marketplace sitting between the borrower and the money.

Who runs it

The legal entity is Halan Microfinance Bank Ltd., based in Pakistan. Halan has been lending since 2012, covering personal, business and car products. Support runs on email, phone and help centre, covering phone, email and a help centre, so most questions can be handled without an appointment. The brand and the bank are one organisation rather than a broker fronting someone else's loans.

How Halan Microfinance Bank compares

Where Halan Microfinance Bank is available

Available
Pakistan
Licence in Pakistan
State Bank of Pakistan, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What kinds of loans does Halan offer?+

Halan Microfinance Bank covers personal, business and car loans (personal, business and car), so a salaried borrower and a small trader can deal with the same bank. The salary loan is the main product, and the money is arranged by Halan as a direct lender (direct lender) rather than matched to a panel of lenders.

How much can I borrow and over what term?+

Loan sizes run PKR 50,000 to PKR 500,000, and repayment is arranged over 6 to 36 months. That is a shorter term than the 48 month median across the personal loans compared here, so the monthly figure sits higher on a larger balance.

How long does it take to get the money?+

The stated timing is Up to 7 working days to process and disburse. Applications need a salary slip and a bank statement showing salary credits, and a hard credit check has to clear as well, so the clock depends on both the assessment and the disbursement window.

Does Halan run a credit check?+

Yes, the credit check is hard. That means an application is recorded against the credit file whether or not it succeeds, so it suits borrowers comfortable with that trace. Approval is shaped by the search rather than by salary alone.

Who regulates Halan?+

Halan Microfinance Bank Ltd. (Halan Microfinance Bank Ltd.) is a lender based in Pakistan (PK) and supervised by the State Bank of Pakistan. It has lent since 2012, so the name that appears on an agreement is a banking entity rather than an intermediary or a comparison site.

Who can apply for a Halan loan?+

Eligibility is narrow: a valid CNIC, a salary slip and a bank statement showing salary credits, and borrowers who are adults. Men and women can both apply. Loans run PKR 50,000 to PKR 500,000, so an applicant with no salary slip is unlikely to fit the salary loan.

How do I get help from Halan?+

Support runs on email, phone and help centre, so phone and email are the direct routes and the help centre covers common questions. As a direct lender (direct lender), a question about a decision goes to the bank that made it rather than to a comparison site.

How does Halan compare with the other lenders here?+

The other options sit in different currencies: Cashspace lends PHP 500 to PHP 25,000, Cashspace ES lends €100 to €5,000 and Monzo Flex lends £10,000 to £35,000. Halan's own range is PKR 50,000 to PKR 500,000, so the practical choice follows the currency an income is earned in.

Sources

  • halan.com.pk checked September 26, 2026

    Backs: Headquarters, Loan types

    “Head Office, 3rd Floor, Gate no 3, Islamic Chamber of Commerce, Block 9, Clifton, Karachi, Pakistan.”

  • halan.com.pk/about-us checked September 26, 2026

    Backs: Founded

    “Since 2012, we have been serving micro, small, and medium-sized enterprises with a complete range of financial services.”

  • halan.com.pk/client-protection checked September 26, 2026

    Backs: Credit check, Licences

    “Loan appraisal and credit bureau checking procedures are repeated with any new loan application.”

  • halan.com.pk/faqs checked September 26, 2026

    Backs: Funding time, Support channels

    “The processing time for our loan facility takes maximum of 7 working days as long as all documents have been submitted, appraised and deemed satisfactory. Disbursement can then be done to the client...”

  • halan.com.pk/salary-loan checked September 26, 2026

    Backs: Loan amount, Eligibility, Term

    “Salary Loan - Loan Amount: PKR 50,000 - PKR 500,000”

  • halan.com.pk/terms-of-use checked September 26, 2026

    Backs: Legal entity, Lender type

    “Registered Office: Halan Microfinance Bank Ltd. Head Office 3rd Floor, 3rd Gate, Islamic Chamber of Commerce, Clifton Block-9, Karachi.”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Representative example.

Halan Microfinance Bank

Halan Microfinance Bank

Salaried adults in Pakistan borrowing for personal, business or car costs.

9.0/10See alternatives

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