Bank Loan Calculators Pakistan 2026
Already know which bank you want? Each calculator below is set up for one bank's product, with its own rates, down payment rules, fees and eligibility, checked against the bank's own pages. Pick yours, or compare them side by side first.
- 12 bank calculators
- 1 year KIBOR 12.81%
- SBP policy rate 12.00%
Car loans by bank
Car rates are linked to 1 year KIBOR unless shown as fixed. SBP rules apply to every bank: at least 15% down and up to 5 years for cars up to 1000cc, at least 30% down and up to 3 years above 1000cc, and a Rs 30 lakh limit per person.
| Bank and product | Rate today | Minimum down | Longest term | Processing fee |
|---|---|---|---|---|
| Meezan Bank Car Ijarah | 13.29% to 14.65% | 15% (30% above 1000cc) | Up to 5 years (3 above 1000cc) | Rs 3,800 |
| HBL CarLoan | 15.1% | 15% (30% above 1000cc) | Up to 5 years (3 above 1000cc) | Rs 13,000 |
| Bank Alfalah Auto Loan | 16.31% to 17.31% | 15% (30% above 1000cc) | Up to 5 years (3 above 1000cc) | Rs 10,000 (estimate) |
| MCB Car4U | 16.81% to 17.31% | 30% | Up to 5 years (3 above 1000cc) | Rs 12,000 (estimate) |
| UBL Drive | 17.06% to 18.06% | 30% | Up to 5 years (3 above 1000cc) | Rs 12,000 |
| Faysal Bank Islami Car Finance | 16.31% to 19.31% | 30% | Up to 5 years (3 above 1000cc) | Rs 12,000 |
Not sure which bank? Compare every bank in one calculator.
Home loans by bank
Home finance is priced on 1 year KIBOR and reset every year, except Mera Ghar Mera Ashiana, which is fixed at 5% for the first 10 years for first time buyers.
| Bank and product | Rate today | Minimum down | Longest term | Processing fee |
|---|---|---|---|---|
| Meezan Bank Easy Home | 15.81% to 16.81% | 25% | Up to 20 years | Rs 9,280 |
| HBL Islamic HomeFinance | 15.81% to 17.01% | 30% | Up to 25 years | Rs 10,000 |
| Mera Ghar Mera Ashiana government housing scheme | 5% for 10 years, then about 15.81% | 10% | Up to 20 years | None |
Not sure which bank? Compare every bank in one calculator.
Personal loans by bank
Personal loans are unsecured and the most expensive way to borrow. Compare the processing fee and the early settlement charge as well as the rate.
| Bank and product | Rate today | Minimum down | Longest term | Processing fee |
|---|---|---|---|---|
| HBL PersonalLoan | 23% to 35.99% | Not needed | Up to 5 years | Rs 6,000 or 1.4%, whichever is higher |
| Bank Alfalah Personal Loan | 22.5% | Not needed | Up to 4 years | Rs 3,500 or 1.2%, whichever is higher |
Not sure which bank? Compare every bank in one calculator.
Bike installments by bank
Card installment plans can be 0% for short terms but cost much more over longer ones. Always compare the total you pay.
| Bank and product | Rate today | Minimum down | Longest term | Processing fee |
|---|---|---|---|---|
| Bank of Punjab Honda bike installment plan | 0% for 3 to 6 months, then flat 24% a year | None (card limit) | Up to 48 months | None on 0% plans |
Not sure which bank? Compare every bank in one calculator.
All bank calculators
How to choose between banks
The rate is only part of the cost. Two banks quoting the same markup can cost very different amounts once you add the processing fee, insurance or takaful, and the charge for paying early. Each calculator shows the cash you need on day one as well as the monthly payment, so compare both.
Most car and home rates in Pakistan are linked to 1 year KIBOR, currently 12.81%, plus a margin. Banks usually charge a lower margin if you already have an account with them, so opening your salary account with the bank you plan to borrow from can save you money for years. If you prefer Islamic finance, Meezan, Faysal and HBL Islamic offer Ijarah and Diminishing Musharakah products that work out to similar monthly payments.
Whichever bank you choose, the State Bank's rules apply: your total monthly loan payments must stay within 40% of your income for car and personal loans, and banks look for about half of income or less for home loans. Every figure on these pages is an estimate, and your bank confirms the final terms.