Shop Today. Pay Your Way, with Zero Stress.
Maintain full control over your spending while continuing to live comfortably, shop confidently, and manage payments on your own terms.
0% Interest
No Hidden Fees
Instant Approval
Why NestraPay is Your Smart Choice
Shop intelligently today and spread your payments comfortably over time, with zero interest, full transparency, and complete control over your finances.
Flexible Payment Plans That Fit Your Life
Break down your purchases into manageable installments that suit your budget, choose bi-weekly or monthly payments. Enjoy what you need now without stretching your finances.
No Interest. No Hidden Surprises. Only Clarity.
Forget unexpected fees. With NestraPay, what you see is exactly what you pay for. Simple, honest, and completely stress-free.
Instant Approval in Just Seconds
Sign up quickly with only your CNIC and mobile number. Our intelligent AI system evaluates your profile instantly and sets a personalized spending limit tailored to you.
Transparent Terms for Total Peace of Mind
Every detail is clear, from repayment schedules to installment amounts. You will always know what you owe and when your next payment is due, leaving no room for surprises.
Your All-in-One Spending Dashboard
Monitor your installments, track your available limit, review payment history, and get spending insights, all in one easy-to-use dashboard designed for simplicity and clarity.
Grow Your Limit, Unlock More Freedom
Make timely payments and watch your spending power increase. Responsible usage is rewarded with higher limits and greater financial flexibility over time.
How NestraPay Works
Getting started takes only a few minutes, no paperwork, no complications.
Create Your Account
Sign up quickly using your CNIC and mobile number fast, secure onboarding.
Receive Your Limit
Our AI-powered NestraScore calculates a personalized spending limit tailored to you.
Shop Anywhere We are Accepted
Use NestraPay at partner stores or during online checkout simple and seamless.
Pay Back Easily
Automatic repayments through your debit card, bank account, or digital wallet are smooth and hassle-free.
Frequently Asked Questions
Everything you need to know about NestraPay
Is NestraPay interest-free?
Yes! With NestraPay, you never pay interest. The amount you see when you shop is exactly what you pay. No hidden fees, no surprises, ever.
Where can I use NestraPay?
You can use NestraPay at a wide range of partner stores, both online and offline. Whether shopping for essentials, gadgets, or lifestyle items, NestraPay makes it easy to split your payments.
What happens if I miss a payment?
Missing a payment is never ideal, but NestraPay is designed to support you. Late fees may apply, and repeated missed payments can affect your spending limit. Always try to stay on schedule, it helps you build trust and grow your limit.
How do I increase my limit?
Your spending limit grows automatically with responsible usage. Make your payments on time, maintain good account activity, and NestraPay will gradually unlock higher limits for you.
How does the scoring work?
NestraPay uses a smart AI-powered NestraScore to evaluate your spending behavior and reliability. This score determines your personalized spending limit, helping you manage your finances safely and efficiently.
Is my information secure?
Absolutely. Your CNIC, mobile number, and all account details are encrypted and protected with top-tier security standards. We prioritize your privacy and keep your information safe at all times.
Ready to Get Started?
Join thousands of Pakistanis who are shopping
smarter with NestraPay
