Alfalah Agent FinancingAlfalah Agent Financing

Alfalah Agent Financing

Offers Digital Loans to agents who are part of Bank Alfalahs’ agent network.

AlfaPay’s convenient and efficient process enables Bank Al Falah’s agents to avail loan without any documentation through an automated process. Just log in to Alfa Pay Tab and avail hassle-free loan now!

Basic Product Features

  • Minimum Loan: PKR 1,000/-
  • Maximum Loan: PKR 100,000/-
  • Tenure: 12 months
  • No Physical Hassle
  • No Documentation
  • Automated Process

Multiple Repayment Options

  • Auto Debit
  • Manual Repayment through AlfaPay Tablet
  • Cash Payment at branches

Eligibility Criteria

  • 3 months on book with BAFL
  • Limit amount will be 70% of daily average throughput in last 30 days

How to apply for Agent Financing?

  • Log in AlfaPay Tablet with your user credentials
  • Click on ‘Agent Financing’ and click ‘Apply’
  • Fill the loan application (Biometric Verification & KYC)
  • After successful eCIB, log in again and accept digital agreement
  • Enter OTP & your loan line is created!


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Agent Network

Bank Alfalah has set up its own agent network spread across the country, scaling up to 8000+ agents, serving on ground to cater to all branchless banking customers. All BAFL agents are equipped with biometric tablets operating via ‘AlfaPay’ application. The following transaction sets are available on the application:

  • Account Opening
  • Account Upgrade
  • Cash In/Cash Out
  • Money Transfer Send/Money Transfer Receive
  • Utility Bill Payment
  • Mobile Top-up
  • Fee Payment
  • Agent Financing
  • Kafaalat Cash Withdrawal/Transfer

Enhancing our reach to customers, agent network provides a convenient alternative to branches and serves as an additional touchpoint. Bank Alfalah has also partnered with Special Communication Organization (SCO) to serve in Azad Jammu & Kashmir and Gilgit Baltistan. BAFL has provided SCO with white labelled branding, S-paisa powered by Bank Alfalah and provides an interoperable branchless banking platform so that our customers can be facilitated in the region.