Below FAQ are some common concerns of our clients.
If you have other questions, please just send it to mobile@kalpayfinancials.com.
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- Frequently Asked Questions
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Frequently Asked Questions
KalPay Rasayi is a financing solution that allows you to purchase smartphones, laptops, travel packages and many more essentials and pay in easy, riba-free installments.
You can apply by visiting our website and selecting the product you wish to purchase. At checkout, choose pay in installments as your payment method and follow the instructions.
Yes, KalPay Rasayi follows Shariah principles and does not charge any interest (riba) on the installments.
You will need a valid CNIC, proof of income, and a recent utility bill to apply for KalPay Rasayi.
KalPay Rasayi is completely transparent with no hidden fees.
You can pay your installments via bank transfer, or mobile wallets. Instructions will be provided during the purchase process.
If you miss a payment, a late fee of 2.5% of the total outstanding amount or 2,000 rupees, whichever is higher, will be applied and included in the next installment.
You can purchase a wide range of products such as smartphones, laptops, accessories, travel packages, consumer electronics, eletronic applicances, and other household essentials through KalPay Rasayi.
Yes, a basic credit check will be conducted to assess your eligibility for KalPay Rasayi. Our goal is to ensure responsible lending.
Yes, you can pay off your remaining balance early without any penalties or additional charges.