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AL Habib Woman Apni Car
A convenient auto-finance facility for working women, with locally manufactured new and used vehicles, flexible repayment choices, and a guided application journey.
PKR 3M
Aggregate financing limit
30%
Minimum down payment, new
35%
Minimum down payment, used
3-5 years
Vehicle-based tenor
Product features
Useful flexibility without hiding the financing limits.
This page follows the linked AL Habib Woman Apni Car product, including its working-women pricing table and source eligibility.
Free accidental insurance up to PKR 500,000
Financing for locally manufactured new and used vehicles
Up to 5 years for vehicles up to 1000cc and up to 3 years above 1000cc
Easy monthly instalments
Partial and pre-payment options
Quick processing with minimal documentation
Flexible markup choices
Fixed and variable rate options
Available under Islamic finance through Diminishing Musharaka
Auto loan pricing
Compare variable and fixed options by tenor.
Published spreads shown below are applicable to the linked working-women product. 1YK means 1-year KIBOR.
| Tenor | Variable, Fast Track | Variable, DRP | Fixed, Fast Track | Fixed, DRP |
|---|---|---|---|---|
| 1-2 years | 1YK + 2.5% | 1YK + 3.0% | 1YK + 4.0% | 1YK + 4.5% |
| 3 years | 1YK + 3.0% | 1YK + 3.5% | 1YK + 4.5% | 1YK + 5.0% |
| 4-5 years | 1YK + 3.5% | 1YK + 4.0% | 1YK + 5.0% | 1YK + 5.5% |
Apni Car Calculator
Build a realistic monthly estimate.
Choose from 104 vehicle variants across 13 makes. Prices and KIBOR reflect the official source snapshot captured on 2026-07-23.
Live estimate
Alto VXL AGS
Estimated monthly instalment
Rs 56,650
60 instalments at an indicative 16.02% annual rate
Finance amount
Rs 2,328,512
Customer equity
Rs 997,934
First-year insurance
Rs 73,182
Markup over tenure
Rs 1,070,466
Estimated upfront amount
Rs 1,071,116
Customer equity plus estimated first-year insurance. Processing, registration, delivery, and other charges are excluded.
Who can apply
Eligibility at a glance.
Pakistani nationals holding a valid CNIC or SNIC.
Salaried applicants: minimum age 23 and maximum age 60 at loan maturity.
Self-employed businesswomen and professionals: minimum age 23 and maximum age 65 at loan maturity.
Account holders of any bank may apply.
Income from employment, business, a co-borrower, rent, agriculture, foreign remittance, pension, or investments may be considered, subject to assessment.
Prepare early
Documents by income type.
Salaried individual
Two recent photographs
Copy of valid CNIC or SNIC
Proof of permanent employment and at least 1 year of work experience
At least 2 years of work experience for contractual employees
Last 6 months of bank statements showing salary credits
Last 3 months of salary slips or a salary certificate
Self-employed professional or businesswoman
Two recent photographs
Copy of valid CNIC or SNIC
Acceptable proof of business for the last 2 years
Last 6 months of bank statements
Frequently asked
The practical auto-finance questions.
What vehicles can be financed?
Locally manufactured new vehicles for personal use, used vehicles above 1000cc not older than 7 years, and used vehicles up to 1000cc not older than 5 years.
What is the maximum financing amount?
Up to PKR 3,000,000 in aggregate across all banks and DFIs, subject to assessment and applicable regulations.
What is the financing tenor?
Up to 5 years for locally manufactured vehicles up to 1000cc, and up to 3 years for vehicles above 1000cc.
What is the minimum down payment?
At least 30% for a locally manufactured new vehicle and 35% for a locally manufactured used vehicle. The final requirement may vary by model and financing assessment.
What is paid upfront?
The down payment, applicable processing fees, and the first-year insurance premium.
How are instalments repaid?
Monthly instalments are repaid through a Direct Debit Authority.
Can the facility be settled early?
Yes. The financing may be repaid before maturity, subject to the facility terms.
Are partial payments allowed?
Yes. Partial payments of at least PKR 50,000 may be made twice a year, after every 6 months, without a fee under the published product terms.
How is a used vehicle valued?
Bank AL Habib arranges valuation through its approved panel of surveyors and valuators.
How do I begin?
Visit a Bank AL Habib branch, call the 24/7 helpline at (021) 111-014-014, or email apnicar@bankalhabib.com.
Ready for the next step
Speak with a loan advisor.
Confirm eligibility, documentation, current pricing, and the application path with Bank AL Habib.