Top 6 Interest-Free or Islamic Loan Apps & Platforms in 2025
Issuing conventional loans and charging interest on them are considered interest-based activities and these are haram, prohibited according to Islamic Sharīʿah.
1. Akhuwat Foundation (Loan via Nadra Verification)
(Most Popular Qarz-e-Hasna Option)
- 100% interest-free loans
- For small businesses, home needs, marriage, or education
- Disbursed through local mosques or community centers
📍 Apply: Nearest Akhuwat center
📝 Requirements: CNIC, witness, form submission
🌍 Website: akhuwat.org.pk
2. Kashf Foundation – Women Empowerment Loans
(Focus: Women Entrepreneurs & Home Needs)
- Offers micro-loans to women in low-income families
- Not fully interest-free, but very low service charges
- Helps women start small home businesses
📍 Apply: Nearest Kashf branch (available in most cities)
📞 Helpline: 042-111-981-981
🌍 Website: kashf.org
🧕 Kashf empowers over 500,000 women yearly across Pakistan.
3. SeedOut – Online Crowdfunding for Business Loans
(0% markup loans through donors)
- Ideal for small startups and micro-enterprises
- 100% interest-free, funded by global donors
- Submit your idea and get approval after background check
🌍 Website: seedout.org
4. Alkhidmat Foundation – Qarz-e-Hasna Program
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- Faith-based interest-free loan system
- Loans for health emergencies, education, or small trade
- Quick processing if documents are ready
📍 Visit local Alkhidmat office
🌍 Website: alkhidmat.org
5. Meezan Bank – Shariah-Compliant Financing
(Car, home, and business finance)
- Not free, but interest-free under Islamic principles
- Based on Ijarah, Musharakah, and other halal contracts
- Trusted option for salaried professionals
📲 Apply via Meezan app or website
🌍 meezanbank.com
6. Roshan Gharana App – Family Support Loans
- For overseas Pakistanis to support family via loan services
- Focuses on health, education, and women-led needs
- Offers zero-interest short-term support
📱 App: Android app available
🧾 Requires CNIC and reference
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