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Car Loan Calculator — Pakistan
Compare EMI across HBL, Meezan, UBL and more — conventional or Islamic financing — with SBP tenure rules applied automatically.
📋 Loan details
30% of vehicle price (SBP minimum: 30%)
ℹSBP rule: max tenure 3 years for vehicles above 1000cc.
✓ Your estimate
Monthly installment
PKR 107,644 /mo
Loan amountPKR 3,150,000
Total markup / interestPKR 725,192
Total payablePKR 3,875,192
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Your estimated EMI: PKR 107,644/mo
Amortization schedule
Year-by-year breakdown of principal vs. interest, and your remaining balance.
| Year | Payment | Principal | Interest | Remaining balance |
|---|---|---|---|---|
| 1 | PKR 1,291,731 | PKR 907,793 | PKR 383,938 | PKR 2,242,207 |
| 2 | PKR 1,291,731 | PKR 1,043,261 | PKR 248,469 | PKR 1,198,946 |
| 3 | PKR 1,291,731 | PKR 1,198,946 | PKR 92,785 | PKR 0 |
Compare bank rates
| Bank | Rate | Max tenure | Max financing | Est. monthly |
|---|---|---|---|---|
| Bank AL Habib Apni Carconventional | 14.55–15.55%* | 3 yrs | 70% of vehicle value | PKR 109,273/mo |
| Bank Alfalah Autoconventional | 15.55–16.55% | 3 yrs | PKR 6,000,000 at 15% down; above at 20% down | PKR 110,822/mo |
| Meezan Car Ijarahislamic | 12.27% fixed* | 3 yrs | PKR 10,000,000 net, up to 2 vehicles | PKR 105,032/mo |
| HBL Car Loanconventional | 13.99% fixed* | 3 yrs | 70% of value; PKR 200,000–3,000,000 | PKR 107,644/mo |
| BankIslami Auto Musharakaislamic | 14% fixed* | 3 yrs | 70% (new cars only) | PKR 109,196/mo |
| UBL Driveconventional | 16.30–17.30% | 3 yrs | PKR 4,000,000 (70% of value) | PKR 111,993/mo |
| MCB Car4Uconventional | 14.05–15.05%* | 3 yrs | PKR 6,000,000 new / PKR 4,000,000 used (70% of value) | PKR 108,503/mo |
| Faysal Islamiislamic | 17.05–18.05% | 3 yrs | PKR 3,000,000 (70% of value) | PKR 113,170/mo |
| JS Bank Car Financeconventional | 16% fixed* | 3 yrs | PKR 3M (SBP cap) | PKR 113,092/mo |
🕒 Total markup = 1-year KIBOR (12.05%, SBP, 27 Jul 2026) + that bank's own spread, where applicable. Rates marked * are not published by the bank on its own website and are indicative only. SBP caps total auto financing at PKR 3,000,000 per person across all banks. Always confirm your exact offer with the bank directly.
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SBData: State Bank of Pakistan · Verified June 2026