Mobile Account

ReadyCash 26-7-2022

JazzCash introduces ReadyCash loan service that will process and issue you a loan in a few seconds!

ReadyCash is an instant and convenient way for JazzCash Mobile Account customers to avail short-term instant loans of small denominations. ReadyCash service will instantly credit loan into your Mobile Account allowing you to utilize the amount instantly to meet your short term loan requirement. With ReadyCash, customers no longer need to go through heavy documentation or processes to get a loan. With a few taps on your mobile phone, ReadyCash is your instant loan!

Customers can avail ReadyCash service for a duration of four weeks; with the option to pay back early as well. One customer can get only a single loan at a time of up to Rs 10,000. Currently, the service is in pilot and is available for a limited number of customers only – who will be informed about their eligibility through an SMS.

Note: Currently ReadyCash is available to a selected customer base who will be informed about their eligibility through SMS. ReadyCash will soon be available to all customers.

How to get ReadyCash Loan?

  1. Dial *786*6*8# (Jazz subscribers only)
  2. Select Apply for ReadyCash
  3. Select ReadyCash amount
  4. Enter MPIN to confirm request and acceptance of Terms & Conditions

How to Repay ReadyCash Loan?

  1. Dial *786*6*8#
  2. Select Repay ReadyCash
  3. Select Partial or Full Payment
  4. Enter MPIN to pay

Apply for ReadyCash :

Dial *786#

Select 4 for ReadyCash

Select 1 for Apply for ReadyCash

Choose the desired ReadyCash Amount

Enter MPIN to Confirm Acceptance of Terms & Conditions

ReadyCash loan application will be processed

Repay ReadyCash :

Dial *786#

Select 4 for ReadyCash

Select 2 for Repay ReadyCash

Choose 1 for Full Payment OR Choose 2 for Partial Payment and enter amount

Enter MPIN to Confirm

Repayment will be processed immediately and an SMS confirmation will be sent

Note: Alternatively, JazzCash will automatically deduct total amount + applicable fee on the due date; all you need to do is keep the required balance in your mobile account for this payment!

View your ReadyCash Repayment History :

Dial *786#

Select 4 for ReadyCash

Select 3 for ReadyCash Payment history

Customers will be charged a weekly fee on the availed ReadyCash amount
During repayment of ReadyCash loan, if customer chooses to repay partial amount then weekly fee will be applicable only on the outstanding amount as per below fee schedule

What is the minimum and maximum ReadyCash amount that can be availed?

You can avail loans ranging from Rs 100 to Rs 10,000 depending on your eligibility.

Are there any additional charges except the weekly fee?

JazzCash will not charge any additional charges such as loan processing fee or any other form of charges except for a weekly fee for availing ReadyCash loan.

Can the due date for ReadyCash repayment be extended?

Customers must pay back their loan within 4 weeks, in case their repayment is late; JazzCash will automatically extend their due date by a week (up to maximum of 4 weeks).

How many ReadyCash loans can customers avail at a time?

You can only have one active ReadyCash at a time, but once the loan has been repaid, you can apply for another loan again.

How to Repay your ReadyCash?

  • Deposit the amount repayable or more into your JazzCash Mobile Account before the due date for an automatic repayment
  • You can repay your loan manually at any time, by selecting the Repay ReadyCash option by dialing *786*4#

What if customer fails to repay loan even after the revised due date?

If repayment amount is still owed after the due date, the due date will be extended automatically for one week and for a maximum of four weeks. If customer still does not repay the ReadyCash loan in full, they will be blacklisted from availing ReadyCash service in future and will also be reported as a defaulter to the State Bank of Pakistan through eCIB system. Default customer data will remain in the eCIB system for a period of one year. In case of any financial relief provided to the customer by the Bank in the form of write off / reversal of markup, the same shall be reported to eCIB /SBP.

How can I deposit money into my Mobile Account in order to repay ReadyCash?

You can deposit cash into your Mobile Account free of cost from any JazzCash Agent or if you have another bank account, you can transfer funds from your Bank’s ATM by using IBFT facility

For T&Cs in Urdu, click here

For T&Cs in English, click here

Terms and Conditions for JazzCash ReadyCash Service

By choosing to use this ReadyCash Service (“SERVICE”) you agree to establish a direct contractual relationship with Mobilink Microfinance Bank Limited (“BANK”) as a customer/borrower and you further agree to be bound by the BANK’s terms and conditions of use of the SERVICE and undertake to repay the ReadyCash loan amount along with all the due charges on the agreed date and time.


1.1. Customer should have a JazzCash mobile account.
1.2. Customer has active mobile account Usage.
1.3. When you apply for a loan, you instruct, consent to and authorize Mobilink Microfinance bank for considering your ReadyCash loan service.
1.4. When you apply for a loan, you consent the Bank to access certain information about you for offering ReadyCash Service. This may include information relating to your Jazz mobile subscription and JazzCash Mobile Account.
1.5. Once customer’s ReadyCash loan request is approved, ReadyCash loan will be disbursed directly into your mobile account and an SMS confirmation will be sent.
1.6. The BANK shall not be required to provide reasons to you for declining or approving your application for a ReadyCash loan.
1.7. If your application is approved, the Bank shall send an SMS to you confirming: 1.7.1. the Loan Amount; 1.7.2. the Weekly Fee
1.7.3. the Total Repayment Amount; 1.7.4. the Due Date; 1.7.5. the Transaction ID (TID)
1.8. These terms and conditions may change over time and will be available on JazzCash website. Therefore, whenever you are requesting for ReadyCash loan you need to review these terms before you apply for a ReadyCash loan.


2.1. You can repay your loan using mobile account at any time on or before the due date, by selecting the Repay ReadyCash option.
2.2. The Bank is authorized to process automatic deduction of the repayment amount of outstanding ReadyCash amount from your mobile account after due date, automatic deduction can be processed one or more times until repayment of the outstanding balance plus applicable fees has been made in full.
2.3. After eight weeks since loan disbursement, there will be no further weekly fee applied on outstanding ReadyCash loan amount.
2.4. The loan amount would automatically be deducted from mobile account after the due date (four weeks).
2.5. Customer authorizes Bank that they may receive notifications/alerts regarding their ReadyCash loan.


3.1. The customer will be declared as a defaulter when if they fail to pay all their due within 90 days of their due date
3.2. Default customer data will be reported to Credit Bureau (eCIB) service of State Bank of Pakistan and will remain in the eCIB system for a period of one year. In case of any financial relief provided to the customer by the Bank in the form of write off / reversal of markup, the same shall be reported to eCIB /SBP.Default customer will be blacklisted from availing ReadyCash service again in future.


4.1. The Bank shall not become liable to you for any misuse of ReadyCash loan. The loan amount usage is complete responsibility of the customer and Bank will not be responsible of any misuse


5.1. You hereby provide consent and authorize the Bank to disclose the mobile account information personal and other information to its associated service providers or agents. This shall include sharing this information with or obtaining your information from: 5.1.1. any local or international law enforcement or competent regulatory or governmental agency/ies so as to assist in the prevention, detection, investigation or prosecution of criminal activities or fraud; 5.1.2. service providers, dealers, agents or any other associate company of the Bank for reasonable commercial purposes;
5.2. The Bank is authorized to make such disclosures in respect of the Account and Services as may be required by any court order or competent authority or agency under the provisions or applicable laws and/or otherwise to safeguard the interests of the Bank
5.3. Service providers and any other associate company of the Bank for reasonable commercial purposes
5.4. Default customer data will be reported to Credit Bureau of Pakistan

By agreeing to these Terms & Conditions for ReadyCash Service, the customer is also agreeing to the Mobile Account Service Terms & Conditions published on