HBL CarLoan·13.99% fixedNot published by HBL — indicative only, confirm at branch
Where this number comes from: HBL does not publish a governing markup rate for HBL CarLoan on its own website. The figure above is compiled from third-party sources and has not been confirmed by the bank. Use it to size a monthly payment, not to decide between lenders — call HBL for a quote before you commit.
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HBL Car Loan Calculator Pakistan 2026
Estimate your HBL CarLoan monthly instalment, then compare it side by side against every other major bank. 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 |
| HBL Car Loanconventionalviewing | 13.99% fixed* | 3 yrs | 70% of value; PKR 200,000–3,000,000 | PKR 107,644/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 |
| 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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How HBL CarLoan works
HBL CarLoan is a conventional instalment facility. Markup is quoted as a spread over 1-year KIBOR, so your instalment can move at each repricing date rather than staying flat for the full term.
What to check before applying to HBL
- Because the rate is KIBOR-linked, a fall in the policy rate reduces your instalment — and a rise increases it. Budget against the upper end of the range, not the current rate.
- HBL finances both new and used vehicles, with tighter age limits and typically a higher markup on used cars.
- Existing HBL account holders with salary credited to the bank generally face lighter documentation requirements.
Moneylyn is not affiliated with HBL. Rate figures are indicative, verified 2026-08-05, and change with SBP policy revisions and your individual profile. Always confirm current terms directly with the bank before applying.
Compare with other banks
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