☽ Shariah-Compliant · Diminishing Musharakah

Finance Your Car
with Transparent
Monthly Instalments

Pakistan's most detailed Islamic car finance guide. Calculate your exact EMI, compare banks, and get approved — all in one place.

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48hr
Approval turnaround
30%
Min. down payment
5yr
Max finance period
PKR
Local vehicles only
Sample — Suzuki Alto 660cc · 5 Years
Vehicle ValueRs. 24,50,000
Down Payment (30%)Rs. 7,35,000
Finance AmountRs. 17,15,000
Base InstalmentRs. 38,400
Takaful + TrackerRs. 3,338
Monthly Total (Y1)Rs. 41,738
*Rate linked to KIBOR, revised annually. Takaful declines each year. Bank covers final year.
Faysal Bank Authorised
Shariah Board Approved
Takaful Insurance Included
GPS Tracker Included
No Hidden Fees
All Pakistan Coverage
EMI Calculator
See Your Exact Monthly Payment

Includes Takaful, tracker fee, and all charges. No surprises at disbursement.

✦ Free · Instant · Accurate
Know Your Exact
Monthly Payment
Before You Apply

Uses the same Diminishing Musharakah formula as Faysal Bank — Takaful, tracker, WHT, and year-by-year breakdown included.

✓
Takaful included — declines each year
✓
Tracker fee (Rs. 1,500/mo) shown separately
✓
WHT calculated for non-filers automatically
✓
Vehicle age tenor restriction applied
✓
All upfront costs shown before you commit
Open Full Calculator →
🚗 Suzuki Alto 660cc · Salaried · Filer
Sample
Vehicle ValueRs. 24,50,000
Down Payment (30%)Rs. 7,35,000
Finance AmountRs. 17,15,000
Base InstalmentRs. 38,400
Takaful (monthly)Rs. 1,838
Tracker FeeRs. 1,500
Monthly Total
Rs. 41,738
Year 1 of 5
Upfront cost
Rs. 8,44,750
DP + Takaful + fees
Rs. 41,738
Year 1
Rs. 41,638
Year 2
Rs. 41,538
Year 3
💡 Takaful declines each year. Bank covers final year — your last year is cheapest.
Calculate for your car & salary →
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Process
How It Works
01

Calculate Your EMI

See your exact monthly total — including Takaful, tracker, and all fees — before committing to anything.

02

Send Your Inquiry

Fill the form or WhatsApp us. We pre-qualify you in a 5-minute call before any paperwork.

03

Submit Documents

CNIC, salary slips, employment letter. We guide you through everything and handle bank follow-ups.

04

Approval in 48hrs

Bank decision communicated within 48 hours. We follow up so you don't have to chase anyone.

Who Can Apply
Eligibility at a Glance

Simple requirements. Unsure? WhatsApp us and we'll tell you in 2 minutes.

Min. Salary
Rs. 45,000/month net for salaried. Business owners need equivalent declared income.
Down Payment
Minimum 30% of vehicle value. Higher down payment = lower monthly instalment.
Finance Period
Under 1000cc: 1–5 years. Above 1000cc: 1–3 years. Subject to vehicle age limit.
Vehicle Type
Local Pakistan-assembled only — Pak Suzuki, Honda Atlas, Indus Motor. No grey imports.
Tax Filer Status
Both filers and non-filers can apply. Non-filers pay WHT of 4% of vehicle value upfront.
Vehicle Age
Maximum 12 years from manufacture. Finance tenor adjusted for older vehicles automatically.
Coverage
We Serve All Major Cities

Full process via WhatsApp and courier — no branch visit required.

🏙️
Karachi
Sindh
🏙️
Lahore
Punjab
🏛️
Islamabad
Federal
🏙️
Rawalpindi
Punjab
🏭
Faisalabad
Punjab
🌆
Multan
Punjab
🌄
Peshawar
KPK
🌆
Hyderabad
Sindh
Reviews
What Customers Say
AK
Ahmed K.
Lahore
★★★★★
"Got my Alto approved in 3 days. Entire process was on WhatsApp — didn't visit the bank once."
SF
Sara F.
Islamabad
★★★★★
"Applied directly at a bank — rejected after 2 weeks. Applied here and approved in 48 hours."
MR
M. Rizwan
Karachi
★★★★★
"Calculator showed my exact figure. No surprises at disbursement — everything matched perfectly."

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Pakistan's Islamic Car Finance Guide. Shariah-compliant. Transparent. Fast.
All financing facilitated through Faysal Bank Limited under Diminishing Musharakah. Calculations are indicative. Final approval subject to bank's credit assessment.

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