Just imagine, if SBP Interest rate is 9~13%, and banks charge 2~4% above it, then how can one company give loan at 6~7% rate? Unless / Until they are not registered with SBP, SECP, FBR, etc. And follow their own terms and conditions, rules and regulations, etc. And if such is the case, then such companies are a big NO.
Whenever we human beings do "Lalach", we always suffer and bear any / all kinds of losses.