Getting a personal loan can often feel like a daunting task, but Allied Bank Limited (ABL) has simplified the process for 2026. Whether you need funds for a wedding, home renovation, or an emergency, ABL offers a versatile “Allied Personal Finance” solution.1
In this guide, we’ll walk you through how to apply for an ABL Personal Loan both online and offline, ensuring you have all the details to get your funds quickly.
Also Read: How to Register on pave.gov.pk for PM Electric Bike and Rickshaw Loader Scheme
Key Features of ABL Personal Loan
Before applying, it’s important to know what you’re getting. ABL’s personal loan is designed for flexibility:2
- Loan Amount: From Rs. 30,000 to Rs. 3,000,000.3
- Tenure: Flexible repayment periods ranging from 1 to 4 years.4
- No Hidden Charges: Transparent processing with competitive markup rates.5
- Quick Processing: Fast-track approvals for eligible candidates.
Eligibility Criteria (2026 Update)
To qualify for an ABL personal loan, you must meet the following basic requirements:
- Nationality: Must be a Pakistani Citizen.6
- Age: * Salaried: 21 to 59 years.7
- Self-Employed: 21 to 64 years.
- Minimum Income: * ABL Account Holders: Rs. 25,000 net monthly salary.8
- Other Bank Account Holders: Rs. 35,000 net monthly salary.9
- Experience: Minimum 2 years of total employment/business history.10
How to Apply Online (The Digital Way)
Applying online is the fastest method, especially if you are already an ABL customer using the myABL ecosystem.
1. Via myABL Mobile App or Internet Banking
If you are registered on the myABL app, follow these steps:
- Log in to your account.
- Navigate to the “Loans” or “Personal Finance” section.
- Fill in the digital application form with your required loan amount and tenure.
- Upload digital copies of your CNIC and latest salary slip.
- Submit and track your application status directly through the app.
2. Via ABL Official Website
You can also visit the Allied Bank Official Website. Look for the “Personal Finance” page where a “Apply Now” button is usually available. You will need to provide your contact details, and a bank representative will call you to guide you through the next steps.
How to Apply Offline (The Traditional Way)
If you prefer face-to-face interaction or aren’t a digital banking user, the offline method remains highly effective.
- Visit a Branch: Head to any of the 1,400+ ABL branches across Pakistan (Major hubs include Lahore, Karachi, Islamabad, Faisalabad, etc.).
- Consult an Officer: Speak with the Personal Banking Officer to discuss your requirements and check your Debt Burden Ratio (DBR).
- Documentation: Bring physical copies of:
- Original CNIC (+ copy).
- Last 3 months’ salary slips.
- 6 months’ bank statement (if your salary isn’t credited to ABL).
- Employment certificate.
- Submit Form: Fill out the paper application form and submit it.
Which Method is Better?
| Feature | Online (myABL) | Offline (Branch) |
| Speed | Instant submission | 1–2 hours visit |
| Convenience | Apply from home 24/7 | During banking hours |
| Support | Digital tracking | Personal consultation |
| Paperwork | Scanned uploads | Physical documents |
Final Thoughts
Applying for an ABL Personal Loan in 2026 is easier than ever thanks to the bank’s digital transformation. If you have a steady income and a clean credit history, you can secure up to 3 million PKR with minimal hassle.
This article is for informational purposes only. SmartFixers.pk is not an official government website and is not affiliated with any government department. Readers are advised to verify all information from official government sources before taking any action.
Our editorial team publishes original and informational content for educational purposes only.
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