HBL CarLoan
Calculator 2026
Drag the sliders to instantly see your monthly installment. Fixed markup rate. New & used locally assembled cars.
HBL CarLoan
Adjust the sliders below to calculate your estimated monthly installment ยท View on HBL โ
- Calculations are exclusive of Insurance Charges
- Monthly installment is tentative and subject to change
Repayment Schedule
| Installment # | Principal Outstanding | Markup | Principal Repayment | Installment Amount |
|---|
HBL CarLoan Overview
HBL offers a flexible and hassle-free financing facility that enables you to own your dream car and provides financing up to 70% of the value of your desired car, on a fixed markup rate.
Eligibility Criteria
๐ Salaried Individuals
- Pakistani citizen โ residing in Pakistan or abroad
- Age: 22 years minimum; max 60 years or retirement age, whichever is lower
- Minimum monthly income: PKR 35,000 net
- Clean eCIB credit history required
๐ข Self-Employed / Business Persons
- Pakistani citizen
- Age: 22 years minimum; max 70 years at loan maturity
- Minimum monthly income: PKR 35,000 net
- Verifiable business income required
Rates & Charges
| Parameter | Detail |
|---|---|
| Markup Rate | 13.99% per annum (Fixed) |
| Financing Limit | PKR 200,000 โ PKR 10,000,000 |
| Max Financing % | Up to 70% of vehicle value |
| Tenure | Up to 60 months (5 years) |
| Security Deposit | Minimum 30% of vehicle value |
| Insurance Rate | 1.9% per annum of vehicle value |
| Processing Fee (New) | PKR 7,500 + FED |
| Processing Fee (Existing) | PKR 3,750 + FED |
* Markup rate may be revised. Verify current rate at any HBL branch or Phone Banking 111-111-425 before applying.
How to Apply
Calculate
Use the calculator above to estimate your installment
Apply
Apply online, via HBL App, or visit your nearest HBL branch
Submit Docs
CNIC, salary slips, bank statements & proforma invoice
Drive Away
After approval, pay security deposit & collect your vehicle
Frequently Asked Questions
Ready to Apply for HBL CarLoan?
Calculate your installments above, then apply online or visit your nearest HBL branch.
Other Bank Car Loan Calculators
Habib Bank Limited Car Installment Plan 2026
Monthly installment for popular locally assembled cars at Habib Bank Limited's indicative markup of about 13.99% a year. Prices are the makers' listed ex-factory prices on 4 November 2026. Each row follows SBP rules: at least 30% down, no more than PKR 3,000,000 financed, and a maximum of 3 years for cars above 1000cc. That is why the down payment on bigger cars is more than 30%.
| Car | Down payment | 3 yrs / month | 5 yrs / month |
|---|---|---|---|
| Suzuki Every VXR | 889,560 | 70,930 | 48,286 |
| Suzuki Alto VXR | 898,458 | 71,640 | 48,769 |
| Suzuki Alto VXR AGS | 949,944 | 75,745 | 51,563 |
| Suzuki Alto VXL AGS | 997,934 | 79,572 | 54,168 |
| Suzuki Cultus VXR | 1,226,847 | 97,824 | 66,594 |
| Suzuki Cultus VXL AGS | 1,591,460 | 102,518 | 69,789 |
| Suzuki Swift GL | 1,460,160 | 102,518 | 3 yrs max |
| Suzuki Swift GLX CVT | 1,766,190 | 102,518 | 3 yrs max |
| Toyota Yaris 1.3 GLi MT | 1,649,000 | 102,518 | 3 yrs max |
| Toyota Yaris 1.3 GLi CVT | 1,809,000 | 102,518 | 3 yrs max |
| Honda City 1.2LS | 1,737,000 | 102,518 | 3 yrs max |
| Honda City Aspire 1.5 | 3,069,000 | 102,518 | 3 yrs max |
| Suzuki Fronx GL 5MT | 2,999,999 | 102,518 | 3 yrs max |
| Toyota Corolla 1.6 MT | 3,099,000 | 102,518 | 3 yrs max |
| Toyota Corolla Altis 1.8 CVT | 4,029,000 | 102,518 | 3 yrs max |
| Hyundai Elantra 1.6 SE | 3,449,000 | 102,518 | 3 yrs max |
| Honda HR-V VTi-S | 4,299,000 | 102,518 | 3 yrs max |
| Toyota Corolla Cross 1.8 | 4,235,000 | 102,518 | 3 yrs max |
| Honda Civic Oriel | 5,834,000 | 102,518 | 3 yrs max |
All figures in PKR. Insurance or takaful (roughly 1.5โ3% of the car's value a year), tracker, registration and withholding tax are extra and paid upfront or yearly. The bank's final rate depends on your profile and KIBOR on the day of approval. See the installment plan for all 24 banks or check which car your salary can finance.