Installments for anything

Buy now, pay monthly at Pakistan's corner stores.

Installment financing for anything, sold through the mom-and-pop stores where most Pakistanis buy their groceries.

Become a Qistly store How it works

How it works

The store needs no stock. Just trust.

Ask at your store

Tell the shopkeeper what you need: a motorbike, a phone, a solar panel.

Store sends the request

The shopkeeper, who already knows you, submits it in the Qistly app.

We pay the seller

Buy from any seller. Pick up from the seller or at your corner store.

Pay monthly

Pay your installments at the same counter where you shop every day.

Why it works

Banks need a credit history. The shopkeeper already knows who pays.

Corner stores have given credit for years: customers buy groceries on account and settle monthly. Qistly builds on how credit already works, and every repayment builds a record no bureau has.

So far

Live since June 2026 in our family's two stores in Charsadda

50installment sales

49customers

Rs 24Lfinanced

86%paid within a week of the due date

10customers waiting

Funded with our own money. Every repayment is lent out again within the same week.

Pricing

One price, written down, fixed at sale

15% deposit35% a yearRs 0 late fee

Local dealers typically add 40–80% to the cash price.

Phone, cash priceRs 50,000 Deposit (15%)Rs 7,500 12 monthly paymentsRs 4,781 Total paidRs 64,875

For store owners

Earn from every installment you collect

No stockNo capital needed. Qistly pays the seller.

30% shareof our markup on every installment you collect.

One appfor requests, approvals and payments.

Become a Qistly store

Team

Three founders, two startups built together before this one

Sohaib

CEO · 10 years in software test automation

Hashim

Engineering · built our offline point-of-sale app

Shahab

Engineering · building the Qistly app