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APR

25.36–27.36%

Amount

Rs50k–Rs2M

Personal

Salaried (private sector, government, armed forces)

Existing credit history with any bank

MCB salary account (1+ year) or existing MCB Car4U customer

Term: 12–48mo

⚡ 3-5 business days Check rates

APR

29.8–35.0%

Amount

Rs50k–Rs3M

Personal

Pakistani national

Age 21-60 (salaried)

Salaried, self-employed, landlords, housewives, or retired

Term: 12–48mo

⚡ Instant via Alfa App (60 seconds for eligible) Check rates

APR

22.0–28.0%

Amount

Rs30k–Rs4M

Personal

Pakistani national aged 21+ (salaried) or 25+ (self-employed)

Valid CNIC

Active email and Pakistan mobile number

Term: 12–60mo

⚡ 10 working days Check rates

APR

21.36–35.99%

Amount

Rs25k–Rs3M

Personal

Pakistani national

Salaried or self-employed

No collateral or guarantor required

Term: 12–48mo

⚡ Via HBL Mobile App Check rates

APR

30.0%

Amount

Rs50k–Rs4M

Personal

Pakistani national

Age 18-70 at maturity

Min salary PKR 50,000 (salaried) or PKR 100,000 (self-employed)

Term: 12–48mo

⚡ Via branch or call 021 111 06 06 06 Check rates

APR

28.8–29.8%

Amount

Rs30k–Rs3M

Personal

Pakistani national aged 21-59 (salaried) or 21-64 (self-employed)

Min salary PKR 25,000 (ABL clients) or PKR 35,000 (other bank)

Min 6 months banking relationship

Term: 12–48mo

⚡ 3-5 business days Check rates

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