Compare conventional Auto Financing against Saadiq Auto Finance side by side — using SCB's own H2 2026 Schedule of Charges, not an estimate. Includes a gap most calculators won't tell you: SCB doesn't publish an early-settlement fee for conventional Auto Financing at all.
Financing Details
Please enter a valid car price.
SCB's Schedule of Charges doesn't publish a fixed minimum down payment for Auto Financing — enter what you plan to pay. Confirm the actual minimum with SCB before applying.
Please enter a valid down payment.
SCB doesn't publish a fixed max tenure for Auto Financing in its Schedule of Charges. State Bank of Pakistan's general prudential rule caps most banks' financing at 5 years for vehicles up to 1000cc and 3 years above 1000cc — confirm your specific tenure with SCB.
Both rates confirmed from SCB's official H2 2026 Schedule of Charges (Auto Financing, page 21).
Showing a Rs. 3,500,000 car as an example — edit the fields above and it updates instantly.
True Total Cost — Conventional Auto Financing
Total Cost of Ownership (full tenure)
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Monthly Instalment—
Down Payment—
Amount Financed—
Total Mark-up Paid (over tenure)—
Annual Fee (Rs 3,000/yr × tenure)—
Saadiq Processing Fee (one-time, SOC-verified)—
⚡ What Does Settling Early Actually Cost?
SCB's conventional Auto Financing Schedule of Charges does not publish an early-settlement percentage at all — unlike Personal Finance (10%/5%) or Mortgage Loan (10%), the Auto Financing section simply doesn't list one. Most comparison calculators won't tell you this gap exists; they'll either omit early settlement entirely or guess a number. We won't guess. Confirm the actual early-settlement terms directly with SCB — 111-002-002 — before assuming a figure, or ask for it in writing before signing.
Saadiq Auto Finance uses a diminishing-Musharakah structure, so "early settlement" is technically an Early Purchase Price — buying out the bank's remaining share in the asset. SCB's Saadiq Schedule of Charges publishes this as a flat 5.5% of the payment amount outstanding at the time of purchase, regardless of how far into the tenure you are.
Outstanding Balance at that point—
Early Purchase Price (5.5%)—
Total to Close the Facility
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This reflects SCB's published flat 5.5% Early Purchase Price on Saadiq Auto Finance — there's no before/after-delivery tiering here, unlike some conventional lenders elsewhere in the market.
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Fee Data & Sources
Mark-up rates (33%/36%), Annual Fee (Rs 3,000), Saadiq Processing Fee (Rs 10,000), and Saadiq Early Purchase Price (5.5%) are taken directly from Standard Chartered Pakistan's official Conventional and Saadiq Schedule of Charges, effective 1 July – 31 December 2026.
Down payment minimum and maximum tenure are not published in either Schedule of Charges — these cover fees only, not product eligibility terms. This tool does not assume a figure for either; confirm both directly with SCB (111-002-002) or on your Key Fact Statement before applying.
Last verified: August 23, 2026. Bank charges and rates change — always confirm with SCB directly before making a financial decision.
Independent estimate — not an official Standard Chartered calculator. PakFinHub is not affiliated with Standard Chartered Bank (Pakistan) Limited.