Mobile Account


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 through Jazzcash App or USSD. 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 25,000. 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.

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

Digital Nano loan apps provide quick and easy loans. These Digital Nano loans are short-term loans with high-interest rates and additional charges. It is essential that you understand potential risk of over-indebtedness. Borrow responsibly and only take loans that you can comfortably repay within the agreed timeframe to avoid financial difficulties. Always read the terms and conditions carefully before availing any loan. Your financial well-being is our priority.

What is ReadyCash?

ReadyCash is an instant and convenient way for JazzCash Mobile Account customers to avail short-term instant loans of small denominations through Jazzcash App or USSD. ReadyCash service will instantly credit loan into your Mobile Account allowing you to utilize the amount instantly to meet your short-term loan requirement.

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

You can avail loans ranging from Rs 100 to Rs 25,000 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 12 weeks). However, fees will be charged up to 8 weeks only and no additional fees shall be applicable after that.

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 loan manually through JazzCash App:
    • Click on ‘’Loan’’ Button on JC Homescreen and select “Repay” to either pay the full or partial amount
    • Loan can also be repaid by selecting ReadyCash through “Add Money” and “Banking & Finance” tabs
  • You can also repay your loan manually at any time, by selecting the Repay ReadyCash option by dialing *786*4*2#

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. Once a customer is reported as defaulter in the State Bank of Pakistan, he/she will not be able take loan from any other bank

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

You can deposit cash into your Mobile Account from any JazzCash Agent or if you have another bank account, you can transfer funds from using IBFT facility (either through internet banking or ATM).

Who is covered in free ReadyCash Insurance benefits?

  • Key Eligibility: Customers with outstanding loan within the first 56 days (8 weeks) from the loan date
  • Enrollment age should be 18 to 64 years and Coverage age should be 18 to 65 years.
  • Coverage Term: Daily up to 56 days
  • Borrowed Amount: Rs 6,000 and above
  • No restrictions of panel hospitals, for hospital cash benefit
  • Free for customers.

What is not covered in free ReadyCash Insurance benefits?

The policy does not provide coverage and no benefit(s) shall be paid if a claim occurs from all or any of the following conditions.

  • In case of death due to Murder, Suicide, Self-Inflicted Injury, participation in criminal acts or violation of the law.
  • Any pre-existing conditions contracted due to accident or bodily injury prior to commencement of cover under this policy.
  • Failure to seek or follow medical advice, taking of alcohol or drugs.
  • Treatment related to dental, pregnancy, and childbirth.
  • Fraudulent claims

How to claim for free ReadyCash Insurance benefits?

All claims will require evidence of claim and proof of age of the Insured Member. The beneficiary/claimant can contact EFU Life below: 

Email To:
By Phone:111-338-111
By Post: Claims Department, EFU Life House Plot No 112 8th East Street, DHA Phase 1 Karachi

The customer can also directly initiate claims via the JazzCash app to lodge the claim to fill out and submit necessary claim forms or documents.

JazzCash ReadyCash Service (“SERVICE”) is a financing product co-sponsored by Mobilink Microfinance Bank Limited (“MMBL”) and JazzCash Private Limited “JCPL”) (together the “Sponsors”).

By choosing to use this Service, you agree to establish a direct contractual relationship as a customer/borrower with either Mobilink Microfinance Bank Limited (“MMBL”) or JazzCash Private Limited “JCPL”) as notified to you in accordance with these terms and conditions of use of the SERVICE. By choosing to use this SERVICE you further agree to be bound by these terms and conditions of use of the SERVICE, as well as all applicable laws, and undertake to repay the ReadyCash loan amount along with all the due charges on the agreed date and time in accordance with these terms and conditions of use of the SERVICE.


1.1. Customer should have a JazzCash mobile account with MMBL.
1.2. Customer has active mobile account Usage.
1.3. When you apply for a loan, you instruct, consent to, and authorize the Sponsors to consider your ReadyCash loan service.
1.4. To provide you with the best user experience consistent with the Sponsors’ policy of being customer obsessed we must establish your relevant customer profile which would include access to relevant personal information, mobile account, and subscription information.

By accepting the terms and conditions you consent that the ReadyCash loan service will grant the Sponsors authority to access and process the above-stated requirements for the purposes of offering best products and services.

1.5. Once the customer’s ReadyCash loan request is approved, ReadyCash loan will be disbursed directly into your mobile account and an SMS confirmation will be sent. As part of the SMS confirmation, you will be notified of whether the ReadyCash loan has been financed by MMBL or JCPL, as the financier/lender.
1.6. The Sponsors 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, you shall be sent an SMS identifying the financing entity (i.e. MMBL or JCPL) and 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 the 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 a mobile account at any time on or before the due date, by selecting the Repay ReadyCash option.

2.2. You authorize MMBL to process an automatic deduction of the repayment amount of the outstanding ReadyCash amount from your mobile account after the 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. Further, it is hereby agreed and acknowledged by you that, in case you change or have changed the JC Mobile account number with or without informing MMBL of such change, MMBL shall be at liberty to cause automatic deduction from your current active mobile account without there being any objection by you and upon exercising such right of deduction, MMBL and/or JCPL shall always stand indemnified from any claim whatsoever by you.

2.3. After eight weeks since loan disbursement, there will be no further weekly fee applied to the outstanding ReadyCash loan amount.

2.4. You authorize the Sponsors that notifications/alerts regarding the ReadyCash loan may be sent to you.

2.5. You also authorize the Sponsors to block (or cause the blocking of) outgoing calls/SMS/GSM usage in case you do not repay your outstanding ReadyCash amount within the stipulated time period.


3.1. The customer will be deemed a defaulter if they fail to pay the original loan amount along with its applicable weekly fee and any associated fee within the stipulated time period.

3.2. Default customer data can be reported to the Credit Bureau (eCIB) service of the State Bank of Pakistan and will remain in the eCIB system for a period of two years. In addition to eCIB reporting, default customer data may also be reported to other licensed private credit bureaus. In case of any financial relief provided to the customer by the respective Sponsor in the form of write-off / reversal of markup, the same shall be reported to eCIB /SBP. Default customers can be blacklisted from availing ReadyCash service again in the future.


4.1. Once the loan has been granted, the Sponsors will not be liable or accountable for how the customer uses their loan amount. Responsibility for any illegal, questionable, or dubious action will fall solely on the customer.


5.1. You provide your consent and authorization to MMBL, JCPL, JazzCash, Jazz Mobile subscription, Jazz Digital (PMCL), and its associated bodies where your relevant information was extracted from during your loan application to share that relevant data with:
5.1.1. Any national law enforcement, regulatory, or government body/agency in the assistance in any investigation, prosecution of criminal activities, fraud, prevention, and detection of any such activities
5.1.2. Service providers, dealers, agents, an associated company of the Sponsors, or any Third-Party entity associated directly with the Sponsors for reasonable commercial purposes which can include disbursement of the loan, its regulation, collection, marketing of products, etc. The data provided by you shall be used in accordance with the JazzCash privacy policy available at the JazzCash website.

5.2. The Sponsors are 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 Sponsors.

5.3. Service providers and any other associate company of the Sponsors for reasonable commercial purposes

5.4. Default customer data will be reported to the Credit Bureau of Pakistan or such private credit bureaus of which the Sponsors are members in accordance with applicable laws.

  1. Maximum Exposure of a Borrower from Financial Institutions

MMBL Customers

6.1 By agreeing to the T&Cs, the customer confirms that his/her maximum limits of aggregate exposure do not exceed Rs. 350,000/- for general loans.
6.2 By agreeing to the T&Cs, the customer confirms his/her aggregate exposure to avail of both general and microenterprise loans does not exceed Rs. 3,000,000/-.

JCPL Customers

6.3 By agreeing to the T&Cs, the customer confirms that his/her maximum limits of aggregate exposure of loan facilities from NBFCs will not exceed Rs. 75,000/- at any point in time.

6.4 You have been provided with free life and health insurance worth Rs 50,000 through ReadyCash. To learn more about the policy, please visit

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