Loans That Move You Forward — Not Hold You Back
Transparent lending rates, flexible tenures, and quick approvals for personal, home, auto, and business loans across Bangladesh.
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Lending Built on Trust & Speed
Competitive Rates
Sharp interest rates starting from just 9.50% for secured loan products.
Fast Disbursement
Get your loan approved and disbursed within 48 to 72 hours of complete KYC.
No Hidden Fees
Every charge is disclosed upfront — no surprises later in your loan cycle.
Flexible Repayment
Choose EMI tenures from 6 months to 25 years, matched to your cash flow.
Current Lending Rates
Effective 1 January 2026. Rates vary based on credit profile, tenure, and collateral.
| Loan Product | Rate Range | Tenure | Max Amount | Processing Fee |
|---|---|---|---|---|
| Home Loan | 9.99% – 12.50% | Up to 25 Years | BDT 2 Crore | 1.00% |
| Auto Loan | 10.75% – 13.25% | Up to 7 Years | BDT 60 Lakh | 1.25% |
| Personal Loan | 13.50% – 16.00% | Up to 5 Years | BDT 20 Lakh | 1.50% |
| SME / Business Loan | 11.25% – 14.75% | Up to 10 Years | BDT 5 Crore | 1.50% |
| Education Loan | 10.50% – 13.00% | Up to 8 Years | BDT 40 Lakh | 1.00% |
| Loan Against FDR | 9.50% – 11.00% | Up to 5 Years | 90% of FDR | 0.50% |
* Final rate depends on credit score, income, and collateral. Terms & conditions apply.
Loans for Every Milestone
Home Loan
- Up to BDT 2 Crore
- Tenure up to 25 years
- No prepayment penalty
- Balance transfer available
Auto Loan
- New & used cars covered
- Up to 90% financing
- Approval in 48 hours
- Doorstep documentation
Personal Loan
- Collateral-free up to BDT 20L
- Minimal documentation
- Same-day sanction letter
- Flexible EMI options
SME Loan
- Working capital & term loans
- Loans up to BDT 5 Crore
- Custom repayment schedule
- Sector-specific expertise
Education Loan
- Domestic & overseas studies
- Moratorium during course
- Covers tuition + living costs
- Parent as co-borrower
Loan Against FDR
- Borrow up to 90% of FDR
- Lowest interest bracket
- Instant sanction
- Keep FDR earning interest
Every Cost Disclosed Upfront
A quick view of the most common fees associated with our loan products. Full schedule is available on our Fees page.
See Full Fee ScheduleGet Funded in 5 Simple Steps
Our streamlined lending journey moves you from application to disbursement — fast and hassle-free.
Apply Online or In-Branch
Submit your basic details and preferred loan amount through the channel that suits you.
Document Verification
Our relationship officer collects and verifies your KYC documents within 24 hours.
Credit Assessment
We evaluate your creditworthiness using CIB, income, and collateral where applicable.
Sanction & Agreement
Receive your sanction letter, review terms, and sign the loan agreement.
Disbursement
Funds are credited to your account or paid to the seller within 48 hours.
Who Can Apply
Salaried Individual
- Age 21 – 60 years
- Min. monthly income BDT 25,000
- 1+ year job stability
- Valid NID & TIN
Self-Employed / Business
- Age 25 – 65 years
- 2+ years in business
- Valid trade licence
- Audited financials preferred
Professionals
- Doctors, CA, engineers, lawyers
- Practising certificate required
- Min. 2 years in practice
- ITR of last 2 years
Documents You'll Need
NID / Passport
Salary Slip (3M)
Bank Statement (6M)
TIN Certificate
Photograph (2)
Trade Licence
Property Papers
Guarantor NID
How PFL Stacks Up
See how our lending experience compares against typical market offerings in Bangladesh.
Plan Your Monthly Payment
Here's what a BDT 20,00,000 home loan looks like over 15 years at 9.99% interest. Contact our team for a personalised quote.
Home Loan Example
BDT 20 Lakh • 15 Years • 9.99% p.a.
What Our Borrowers Say
PFL made buying our first flat unbelievably smooth. The RM guided us through every document — from sanction to disbursement in just 5 days.
Expanded my garment business with a working capital loan. The sector expertise of the PFL team was refreshingly different from other lenders.
Got my auto loan approved in 48 hours flat. No hidden fees, no phone tag — just straight answers and a real human who owned my case.
Answers to Common Questions
Still unsure? Our lending advisors are one call away — reach out any working day between 9 AM and 6 PM.
Ask a QuestionWhat determines my interest rate?
Your final rate depends on your credit score (CIB), income stability, loan tenure, and the collateral offered. Better profiles receive rates closer to the lower band.
Can I prepay my loan?
Yes. Floating-rate loans can be prepaid without any penalty. Fixed-rate loans carry a 2% prepayment fee on the outstanding principal.
Do you offer balance transfer?
Absolutely — transfer your existing home or auto loan from another institution to PFL and enjoy better rates plus a top-up if eligible.
Is a guarantor mandatory?
Not for all products. Secured and salaried loans usually do not require one. Unsecured personal loans may require a guarantor above certain amounts.
How is my EMI calculated?
EMI is calculated using the standard reducing-balance formula. Interest is applied on the outstanding principal, which decreases with every payment.
Ready to Take the Next Step?
Talk to a PFL lending advisor today and get a personalised offer within 24 hours — no obligation, no paperwork upfront.