- Pakistani citizens aged 18 and above.
- Valid CNIC holders.
- 6 months bank statement.
- Customers with a stable source of income.
- Subject to approval through Aitemaad’s credit evaluation.

Yes, depending on the phone model and installment plan, a minimum 20% down payment may be required

All charges will be clearly displayed in the app before you confirm your plan—no hidden costs.

Installments can be paid directly through the Aitemaad Loan App using mobile wallets, bank transfers, or other supported payment methods.

- Missing a payment may result in:
- Late payment charges
- Negative impact on your credit history with Aitemaad
- Possible suspension of future installment facilities

For queries, you can reach out through the Help & Support section in the Aitemaad Loan App or email/call our customer care team.

If you forget to pay on time, you will receive reminders from Aitemaad through SMS, notifications, and calls from our customer support team.

Our team may call you as a gentle reminder to pay your installment on time and to assist you if you are facing any difficulty in making the payment.