Take any product on credit — pay later.
Qarz is a unified platform for arranging, servicing, and managing merchant installment plans. We are not a bank or an MFI — we are the technology layer between merchant and customer: calculation, payment schedule, payment collection, and full deal support.
Installments on anything
Goods
Services
Vehicles
Real estate
Education
Medical services
Repairs
Construction
Rent
How it works
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1
Merchant creates the agreement
Enters the price, down payment, and term — the platform automatically calculates the payment schedule and commission.
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2
Customer confirms the terms
Reviews the payment schedule and confirms the deal from their account.
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3
Down payment
Once the down payment is received, the agreement becomes active and the payment schedule begins.
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4
Automatic payments
Charges run on schedule through the connected Payment Provider — with notifications to both sides.
For merchants
Sell goods, services, vehicles, real estate, education, medical services, repairs, construction, and rent on installments — without building your own billing or payment schedule system. The decision to sell on credit is always yours; the platform only calculates and services the deal.
Register your companyFor customers
Buy on installments from merchants connected to Qarz. Transparent payment schedule, multiple payment sources, reminders before every payment.
Create an account