🚗 HBL CarLoan — Fulfil Your Dreams

HBL CarLoan
Calculator 2026

Q: Who is eligible to apply for HBL CarLoan?

Pakistani citizens at least 22 years old with a stable, verifiable income — salaried, self-employed, or pensioners.

Q: Can a Non-Resident Pakistani apply?

Yes, NRPs maintaining a relationship with HBL Pakistan or HBL International can apply.

Q: Do existing HBL customers get any benefit?

Yes, existing customers get a reduced processing fee of PKR 3,750 + FED.

Drag the sliders to instantly see your monthly installment. Fixed markup rate. New & used locally assembled cars.

13.99%Fixed Markup

Up to 60 MoTenure

Up to 70%Financing

PKR 10MMax Financing

New & UsedLocal Cars

HBL CarLoan

Adjust the sliders below to calculate your estimated monthly installment · View on HBL ↗

YOUR MONTHLY INSTALLMENTS WILL BE JUST

PKR —

Exclusive of insurance charges · Subject to change

Financed Amount

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Security Deposit

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Customer Category

Vehicle PricePKR 5,000,000

PKR 285,714PKR 20M

To Repay In60 Months

12 Months60 Months

Security Deposit33%

30%50%

Disclaimer:

Calculations are exclusive of Insurance Charges
Monthly installment is tentative and subject to change

Apply Now 📞 111-111-425

Repayment Schedule

Installment #	Principal Outstanding	Markup	Principal Repayment	Installment Amount

📌 Note: HBL CarLoan uses a fixed markup rate of 13.99% p.a. Insurance rate: 1.9% p.a. of vehicle value (not included above). Processing fee: PKR 7,500 + FED (new customers), PKR 3,750 + FED (existing customers). Max financing: PKR 10,000,000 or 70% of vehicle value, whichever is lower.

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.

🔒

Fixed Markup Rate

🚗

New & Used Local Cars

💰

Up to PKR 10 Million

🔄

Multiple Partial Payments

🏪

150+ Approved Dealers

📞

24/7 Phone Banking

Eligibility Criteria

👔 Salaried Individuals

Pakistani citizen — 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

🏢 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 – 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

Who is eligible to apply for HBL CarLoan?

You must be at least 22 years old, a Pakistani citizen residing in Pakistan or abroad, with a regular, stable and verifiable income stream.

Can a Non-Resident Pakistani apply?

Yes. NRPs who maintain a relationship with HBL Pakistan or HBL International can apply — contact HBL Phone Banking at 111-111-425.

Do existing HBL customers get any benefit?

Yes — existing customers get a reduced processing fee of PKR 3,750 + FED versus PKR 7,500 + FED for new customers.

Can I make partial payments during the tenure?

Yes, multiple partial payments are available; charges apply as per the prevailing Schedule of Charges.

Ready to Apply for HBL CarLoan?

Calculate your installments above, then apply online or visit your nearest HBL branch.

Apply Now ↗ Compare All Banks

HBL CarLoanCalculator 2026