Finance guidance
Car finance
Use this page to prepare before you speak to a bank or dealer. It keeps the conversation around affordability, down payment, tenure, fees, insurance or takaful, and documents. It is education only, not a bank quote or approval.
Illustrative example
A neutral PKR 50 lac car planning view. Actual bank schedule controls final numbers.
Monthly payment estimator
Education onlyUse this to plan a realistic conversation before visiting a bank or dealer. It is not a quote, approval, Islamic-finance ruling, or application. The official bank schedule and Key Fact Statement control final numbers.
Adjust price, down payment, tenure, and generic rate. The estimate updates instantly.
Excluded from this calculator
Estimated result
Rs 110,271
per month, before provider fees and insurance
- Financed amount
- Rs 3,500,000
- Total markup estimate
- Rs 1,793,021
- Total cash outflow
- Rs 6,793,021
If a dealer or agent says this estimate is bank-approved, ask for the bank's own written schedule.
Finance provider directory
Listed companies offer products in Pakistan. Quote availability is confirmed by our team; listing does not imply an AutoTrader partnership.
Loading company directory…
Compare before deciding
Compare upfront payment, monthly installments, total payable and processing or other fees. Confirm eligibility and final terms with the provider.
Pakistan buyer facts to check first
Debt-burden check
40% of net disposable income
SBP consumer-finance rules use this cap for total monthly consumer-finance payments.
Down payment
30% minimum planning baseline
SBP increased the minimum auto-finance down payment to 30%; a bank may ask for more.
Tenure
3 years above 1,000cc; 5 years up to 1,000cc
Use the bank schedule for the exact product and vehicle category.
Important papers
KFS and Schedule of Charges
SBP requires upfront Key Fact Statement disclosure; read charges before signing.
Clear finance boundaries
No partner quote or lender comparison
The estimator is generic and does not rank or compare lenders.
No finance application or lead submission
This page does not collect a finance application or send buyer data to banks.
No official bank approval implied
Bank names are examples buyers commonly research; they are not approvals or endorsements.
Buyer checklist for Pakistan
- Check affordability first: SBP consumer rules cap total monthly consumer-finance payments at 40% of net disposable income.
- Plan a 30% or higher down payment before bank discussion. Some banks may ask for more depending on the car and profile.
- For ordinary auto finance, current SBP circulars set maximum tenure at 3 years for vehicles above 1,000cc and 5 years for vehicles up to 1,000cc.
- Ask for the bank Key Fact Statement and Schedule of Charges before signing. Compare processing fee, insurance or takaful, tracker, registration, early settlement, and late-payment charges.
- Keep CNIC, income proof, recent bank statements, tax filer status, and vehicle details ready for the bank.
- Do not pay token money or processing fees to an unknown personal account.
Dealer talk track
- Ask the buyer for monthly comfort range, down payment, city, filer status, vehicle engine size, and whether they want new or used stock.
- Do not promise approval, rate, delivery, Islamic-finance eligibility, or final installment amount.
- Share only generic estimates until the buyer has an official bank schedule or bank Key Fact Statement.
- Keep finance discussion separate from token money, payment collection, and ownership transfer.
Official sources to verify before signing
Finance rules, fees, and bank products can change. Check these official pages before committing.