INTERACTIVE DEMO · v2.21
Illustrative prototype — rates, earnings, and terms are indicative. All figures are for simulation purposes only. Prototype affordability logic only; not partner underwriting criteria This prototype does not access a credit bureau. A financing partner may conduct its own checks during an actual application.

Drive to Earn

Pakistan · vehicle access & ownership pathway
illustrative ecosystem / participating partners subject to agreement
VEHICLE ACCESS FOR EARNING DRIVERS

Start with the vehicle you can access today—and build toward the assets you want tomorrow.

Drive to Earn brings vehicle access, financing pathways and earning economics into one journey for Pakistan's earning drivers.

Check indicative starting point Estimate affordability Explore vehicles
Illustrative financing scenario: 5–7% p.a. — actual rate and structure determined by participating financing partner. Vehicle inspection through participating sourcing partners Scheduled maintenance/service allowance included No separate Drive to Earn fee in this illustrative scenario
🛵 🛺 🚗 🚙🚙
START · EARN · REPAY · BUILD A DRIVE TO EARN HISTORY · BUILD TOWARD NEXT ASSET
Click to model this vehicle
💳

Illustrative CarPay Experience

RAAST Earn → Receive → Reserve → Spend

RAAST-enabled through participating banking/payment partners, subject to integration and agreement. Separate benefits and services delivered by participating partners.

Receive & Pay

RAAST-enabled transactions

RAAST
Reserve

Set aside for repayment

RAAST
Discounts

Partner offers & savings

Partners
Health

Medical & wellness benefits

Partners
Insurance

Arranged through applicable partner

Partner
Earn → receive → reserve repayment → spend/save RAAST-enabled through participating partners Benefits through participating partners

Indicative monthly modeled vehicle cost

One payment bundles key modeled costs for clearer monthly planning.

Vehicle Access

Partner-inspected vehicle

✓
Maintenance / Service

Illustrative reserve, subject to plan

✓
Insurance

Illustrative assumption

✓
Financing

Illustrative repayment

✓
Greater cost predictability

For modeled costs only

✓

Explore vehicles

🛵

Motorbike

Indicative price: PKR 250,000
Modeled monthly cost from PKR ~8,000
  • Best for city commuting & food delivery
  • Low entry cost
  • Fuel efficient
  • Quick to start earning
Model this vehicle →
🛺

Rickshaw

Indicative price: PKR 600,000
Modeled monthly cost from PKR ~18,000
  • Higher passenger capacity
  • Good for urban & semi-urban routes
  • Durable and low maintenance
  • Established earning model
Model this vehicle →
🚗

Car

Indicative price: PKR 1,800,000
Modeled monthly cost from PKR ~55,500
  • Full ride-share capability
  • Higher earning potential
  • Comfort & safety
  • Partner-inspected & maintained
Model this vehicle →
🚙🚙

Fleet

Multiple vehicles · custom pricing
Illustrative fleet pathway — separate product structure and eligibility may apply
  • Scale your earning capacity
  • Potential to place vehicles with eligible drivers
  • Revenue share or fixed rental
  • Fleet management support
Model this vehicle →

How it works

1
Choose

Select an earning vehicle suited to your starting point.

2
Estimate affordability

Understand indicative monthly vehicle cost.

3
Earn

Put the asset to work and track the economics.

4
Build

Use stronger earning capacity to work toward the next asset.

Estimate affordability

ILLUSTRATIVE AFFORDABILITY INDICATOR

Tell us about your situation and we'll show you an indicative affordability estimate. This is not lender underwriting.

This browser-based prototype does not intentionally transmit the information entered into the simulation. See Privacy — prototype placeholder and Key Website Terms.

✓ Indicative estimate available

Based on the information provided, you may meet the preliminary criteria for a car.

This is a preliminary simulation, not credit approval. Final eligibility is determined by the financing partner following verification and underwriting.

Estimate driver economics

Self-drive · Car · Expected

Assumed gross earningsPKR 185,000
Fuel / charging−PKR 21,000
Indicative monthly modeled vehicle cost −PKR 55,500
↳ Financing repayment−PKR 41,000
↳ Insurance (illustrative)−PKR 9,500
↳ Maintenance reserve (illustrative)−PKR 5,000
Modeled driver surplus PKR 108,500
Days to cover vehicle cost: 6.8 days Break-even gross/day: PKR 4,500
Modeled costs: financing + illustrative insurance + maintenance reserve. Actual costs may differ.

Fleet · 1 vehicles Separate economics

Gross rental incomePKR 112,500
Driver payouts (70%)−PKR 78,750
Fleet vehicle costs −PKR 55,500
↳ Financing repayment−PKR 41,000
↳ Insurance (illustrative)−PKR 9,500
↳ Maintenance reserve (illustrative)−PKR 5,000
Management−PKR 12,000
Downtime reserve (5%)−PKR 5,625
Modeled fleet surplus −PKR 39,375
Break-even rental days: 8.5 days/vehicle Required rental/day: PKR 4,500
Fleet economics model: rental income − driver payouts − vehicle costs − management − downtime reserve.
6% illustrative annual reducing-balance rate, 48 months — within the displayed indicative 5–7% range. Self-drive shown.

Drive to Earn — business model & risk

Illustrative potential revenue sources

Potential revenue streams may include vehicle sourcing margin, financing facilitation fees, insurance/service-related revenue, fleet management fees and CarPay partner commissions, subject to applicable commercial agreements and regulatory requirements.

Exact margins depend on commercial agreements; figures are for illustration only.

Driver

Accesses vehicle

→
Drive to Earn

Orchestration & servicing

→
Finance Partner

Provides financing

→
Insurance Partner

Provides coverage

→
Vehicle Partner

Inspects & supplies

Illustrative target risk allocation

Risk type Driver Finance Partner Insurer D2E Vehicle Supplier
Default / non-payment • •
Repossession •
Accident damage •
Fraud / misrepresentation • • •
Residual value / depreciation •
Vehicle quality / inspection •
Final risk allocation and responsibilities are subject to partner agreements and product structure.
• Primary risk owner  |  • Secondary risk owner

Upgrade pathway: Drive to Earn History

Payment history → Earning consistency → Vehicle utilization → Tenure → Stronger profile → next asset

Subject to partner criteria. Not a guaranteed approval pathway.

Illustrative ecosystem

Vehicle partner

Inspection & sourcing

Financing partner

Facilitate vehicle financing

Insurance partner

Arrange coverage

Banking partner

Payment & wallet services

Drive to Earn

Orchestration & servicing

How the Model Could Work

What's modeled

  • Vehicle access through partners
  • Illustrative financing at indicative rate
  • Illustrative insurance assumption
  • Illustrative maintenance reserve
  • Indicative monthly modeled vehicle cost
  • Potential end-of-term pathways may include continued ownership/use, upgrade or vehicle sale, subject to the applicable product structure and terms.

Your responsibilities

  • Timely monthly payments
  • Lawful earning use
  • Report issues promptly
  • Valid licence and permits
  • Follow insurance procedures

We're committed to making your earning journey smooth and stress-free. Questions? We're here to help.

Model assumptions & disclosures
Financing rate: 6% illustrative annual reducing-balance rate
Term: 48 months
Insurance assumption: ~0.06% of vehicle price/month (illustrative)
Maintenance reserve (car): PKR 5,000/month (illustrative)
Maintenance reserve (rickshaw): PKR 3,000/month (illustrative)
Maintenance reserve (motorbike): PKR 2,000/month (illustrative)
Earning assumptions: User-adjustable illustrative gross earnings
Fuel assumption: User-adjustable percentage of gross earnings
Affordability ratio: 45% of income (illustrative indicator)
Downtime reserve: 5% of rental income (fleet)
Not currently modeled: Platform commissions, mobile/data costs, parking/tolls, fines, unscheduled costs, taxes, and other potential expenses. Maintenance reserve is illustrative and subject to plan limits and exclusions. Ownership/end-of-term treatment depends on the applicable financing structure and agreement.
Ready to find your starting point?
Check indicative affordability or explore your earning potential.
Estimate affordability Calculate earnings Explore vehicles

Privacy — prototype placeholder

The prototype is designed to process simulation inputs locally in the browser and does not intentionally store or transmit them.

  • No credit bureau check is performed
  • Information is not stored or shared in this prototype
  • Full privacy policy available on request for production

Privacy policy — prototype placeholder

Legal

  • All figures are illustrative and for simulation purposes
  • Final approval subject to partner underwriting
  • Product terms to be provided before any live application or agreement
  • Drive to Earn is a facilitator, not a lender
  • Prototype affordability logic shown; not partner underwriting criteria
Access an asset Earn from the asset Build toward the next
make the asset work
Drive to Earn Pakistan · illustrative ecosystem with participating partners subject to agreement
interactive demo · v2.21