The Allied Bank car loan calculator estimates monthly instalments for Allied Car Finance, which offers financing up to Rs 6 million with tenures up to seven years, for both new and used vehicles, plus a non-refundable Rs 7,500 processing fee charged after case approval.
The Allied Bank car loan calculator on abl.com is the only source that reflects your actual, current, customer-segment-specific markup rate — ABL's own disclosures note pricing is offered "within a given range, in accordance with different customer segments and other risk factors." Here's what the product covers, plus the exact fees from Allied Bank's official Schedule of Charges, so the calculator's output makes sense.
Car Loan EMI Calculator
Allied Bank prices Car Finance per customer segment and risk profile, so there's no single published rate — enter the vehicle price, down payment, tenure, and the rate from your own quote or Key Fact Statement to see your real instalment alongside the known fees.
Enter your quoted markup rate above to see your estimated instalment.
Processing fee (Rs 7,500) and prepayment charges per Allied Bank's official Schedule of Charges, Section E(7), effective Jul–Dec 2026. Financing is capped at Rs 6 million and the maximum tenure is 84 months regardless of what's entered above. The markup rate must come from your own quote, since Allied Bank prices Car Finance "within a given range, in accordance with different customer segments and other risk factors" rather than a single published rate.
Allied Car Finance: Key Terms
| Feature | Detail |
|---|---|
| Maximum Financing | Up to Rs 6,000,000 |
| Repayment Period | 12 to 84 months (up to 7 years) |
| Vehicle Type | New and used cars |
| Minimum Net Salary (Salaried) | Rs 40,000/month |
| Minimum Net Income (Self-Employed) | Rs 60,000/month |
| Cities Covered | Lahore, Faisalabad, Gujranwala, Rawalpindi, Islamabad, Sialkot, Karachi, Hyderabad, Sukkur, Sahiwal |
Allied Car Finance Fees & Charges
| Charge | Amount |
|---|---|
| Processing Fee | Rs 7,500 (non-refundable), charged after approval of case |
| Late Payment Charge | Rs 1,500 per instance |
| Cheque Return Charge | Rs 1,200 per instance |
| Vehicle Re-Possession Charges | Actual cost, up to a maximum of Rs 100,000 |
| Repossessed Vehicle Transportation | Actual cost, up to a maximum of Rs 50,000 |
| Monthly Warehouse Charges | Actual cost, up to a maximum of Rs 30,000 |
| NOC Issuance Fee | Nil |
| Partial Prepayment | Up to 5% of the amount being prepaid, capped at Rs 50,000 |
| Full Prepayment | Up to 4% of principal outstanding |
| Secured Transaction Registry (STR) Fee | Rs 1,000, or as revised by the Government of Pakistan |
Fees confirmed from Allied Bank's official Schedule of Charges, Section E(7) "Allied Car Finance," effective 01-07-2026 to 31-12-2026.
Documents Required
Applicants typically need the last two months' salary slip or a salary certificate showing gross and net pay with itemized deductions, six months of bank statements, a copy of CNIC or NICOP, and a fully completed, signed application form verified at a branch.
Using the Car Finance Calculator
Allied Bank's Car Finance Calculator lets you enter the vehicle price, down payment, city, and tenure to estimate your monthly instalment before you apply — calculations shown are based on the Salaried Segment; self-employed or business applicants may see a different EMI due to different risk pricing.
Alternative Car Financing Routes
Allied Aitebar Car Ijarah
Allied Bank's Shariah-compliant car financing option, structured as an Islamic lease (Ijarah) rather than an interest-bearing loan.
Allied Roshan Apni Car
A digital car-financing facility exclusively for Roshan Digital Account holders — Non-Resident Pakistanis — offering both Lien-Based and Remittance-Based financing structures.
New vs. Used Car Financing
Allied Car Finance covers both new and used vehicles, but the two typically differ in maximum tenure, financing-to-value ratio, and the age of vehicle eligible — used-car financing generally caps the vehicle's age at time of maturity, since resale value and mechanical risk both factor into the bank's pricing. The calculator on abl.com asks you to specify new or used up front so the instalment estimate reflects the correct pricing tier rather than a blended average.
What Determines Your Actual Markup
Allied Bank prices car financing "within a given range" by customer segment — salaried versus self-employed, income level, existing relationship with the bank, and general credit risk all move where in that range your specific offer lands. This is why two applicants financing an identical vehicle can see different quoted instalments: the calculator gives a segment-based estimate, but your formal Key Fact Statement, issued after application, carries the rate that actually applies to you.
Good For
- Estimating a monthly car loan instalment before applying
- Understanding Allied Car Finance eligibility and documents
- Comparing conventional versus Islamic car financing at ABL
- Overseas Pakistanis exploring Roshan Apni Car