Life in the fast lane can be really slow without a car!

MCB Car4U, provides a one-stop financing solution to help you own a car of your dreams at competitive markup and insurance rates.

You can apply for MCB Car4U loan if you have the income source through the following options:

  1. Salaried
  2. Self-Employed
    • Self-Employed Businessmen
    • Self-Employed Professionals
  3. Agriculturists
  4. Land Lords – Rental Income
  5. Foreign Remittances
  6. Income from Fixed/Term Deposits
  7. You can also jointly borrow with Spouse through income clubbing option
  • Competitive Pricing
  • Finance Tenor: Up to 7 years
  • You can finance locally manufactured new and used cars.
  • Finance up to 80% of vehicle value*
  • Comprehensive insurance
  • Option to finance a second or third car
  • Prepayment Option: allows you to prepay part of full amount of the loan after incurring prepayment charge.
  • Through facility repayment option, upgrade your existing cars loan with a new loan with no penalty
  • Net Income: PKR 30,000 per month
  • Minimum Age Requirement: 21 years*
  • Maximum Age (at loan maturity):
    • 65 years (salaried) and
    • 70 (Self Employed)
  • Employment Length:
    • Minimum: 6 months employment (salaried)*
    • Business Length: Minimum: 1 year business (self-employed)*
    • Minimum 6 month’s remittance history through banking channel (Foreign Remittance Segment)

Residual Value

The residual Value product allows you to pay up to 50% of the principal amount as a lump-sum (balloon) payment at the end of the loan tenure. This improves the affordability of the installments as well as helps in buying higher-end vehicle.

Post Booking

If you have already booked any vehicle and need financing for the remaining amount, you can still apply for a loan with MCB Bank through our Post-Booking loan option.

Upgrade with no penalty

You can upgrade your car and adjust your loan against the new loan without a prepayment penalty.


Lease variant is also available for all customers.

Deferred Installment

This plan allows customers to opt for deferred installments of up to 6 months during times where there is general delay in the vehicle delivery.

  • No processing fee is payable if the loan is not approved
  • Take delivery of vehicle immediately upon its availability without waiting for the registration
  • 160+ approved Auto dealership across the country
  • Quick processing, through dedicated operations teams in Karachi, Lahore and Islamabad
  • Quick NOC issuance at the expiry of the loan tenure
  • Consumer Offices/Customer Walk-in Centers in 11 major cities.
  • Copy of CNIC
  • 2 passport sized recent photographs
  • Bank statement (6 month to 1 year)
  • Salary slip/ proof of business or other documents
Tenor (Years) MCB Account Holders (ETB)* Non-MCB Account Holders (NTB)*
1 - 5 1Yr KIBOR + 4 % 1Yr KIBOR + 4.5%

Roshan Car4U product empowers resident family members of non-resident Pakistanis to apply for an auto loan in Pakistan. This loan can be applied only by close family members (i.e., parents, spouses, children and brothers) of Roshan Digital Accountholders (RDA) of MCB Bank.Roshan Digital Account holders may also provide details of their family members who are regular recipients of remittances and MCB staff will approach them directly in Pakistan. All necessary documentation will be carried out in Pakistan by the applicant (family member) himself/herself. The applicants are not required to have any job or source of income other than regular foreign remittance through banking channel. However, the applicant must have been receiving regular remittances from abroad in any of the Pakistani banks at the time of loan application.


  • Monthly Remittance: PKR 50,000
  • Minimum Age: 21
  • Maximum Age: 70
  • Continuous 6 months remittance history through MCB Bank or
  • Continuous 1 year remittance history through any other Pakistani Bank

Key Product Attributes:

  • Parents, spouses, children and brothers of RDA accountholders are eligible
  • Steady inward remittances (6 months to 1 year ) in any bank account are mandatory
  • No other income is required
  • Flexibility of loan amount ranging up to PKR 10 Million
  • Discounted markup rates and prepayment fees (in case of early payoff of the loan)


Tenor (Years) Roshan Car4U
1 - 5 1 Year Kibor + 3.00%
6 - 7 1 Year Kibor + 4.00%


Partial/Full Settlement Fee Year Roshan Car4U
1st Year 6% of outstanding principal
2nd Year 4.5% of outstanding principal
3rd Year and for subsequent years 3% of outstanding principal

Click Here to apply

Q: Who is eligible to apply for Roshan Car4U?

A: Remittance recipient family members of MCB Roshan Digital Accountholders (RDAs) of MCB Bank can apply for Roshan Car4U. Only parents, spouses, children or brothers who are regular recipients of remittances (through banking channel) can apply for this loan.


Q: What is the minimum remittance requirement to apply for Roshan Car4U?

A: Minimum remittance requirement for Roshan Car4U is PKR 50,000 per month.


Q: Is remittance through banking channel mandatory?

A: Yes, remittance through banking channel (any Pakistani bank) is mandatory.


Q: What is the minimum remittance history requirement?

A: If the remittance is routed through MCB Bank, the minimum remittance history requirement is 6 months. For other banks, this requirement is minimum 12 months.


Q: Is there any other source of income required for the loan applicant (family member in Pakistan)?

A: No, there is no source of income required (other than foreign remittance).


Q: What is the minimum equity or contribution requirement?

A: The minimum equity or contribution requirement is 20% of car price. For example, if the invoice value of the applied vehicle is PKR 2 Million, the applicant will be required to fund 20% of PKR 2 Million himself/herself.


Q: What is the minimum documentation requirement?

A: The minimum documentation requirement is as following:

  • Application form
  • Copy of CNIC/POC/NICOP
  • 2 passport sized recent photographs
  • Bank statement with proof of remittance history (6 month to 1 year)


Q: Which type of cars can be financed?

A: New, used as well as imported cars can be financed. Used/imported cars should not be older than 5 years.


Q: What is the maximum loan amount?

A: The maximum loan amount for new car is PKR 10 Million and for used/imported is PKR 7.5 Million.


Q: Is there any proof of income required from RDAs?

A: No, no income proof of RDA accountholder is required.


Q: Will there be any sort of lien on deposit/ investment in Roshan Digital Account?

A: No, there is no such requirement. However, the car will be hypothecated in favor of the bank in case of financing and in case of lease, the car will be registered in the name of the bank.


Q: Can my Pakistan based rental income be considered as an additional income while assessing repayment capacity?

A: Yes, the rental income upon meeting certain criteria may be considered to assess repayment capacity in certain cases, where the remittance income is low.


Q: How my family member in Pakistan can apply for Roshan Car4U?

A: Applicants can apply for the loan by following this link Click Here or email to [email protected] . In addition, the resident family members can also visit the nearest MCB branch, Customer Services Center or any of MCB approved auto dealerships or Call our Call Centre.


MCB staff will contact you or your family member within 2-3 working days

MCB Car4U can be availed through either of our 160+ approved Car dealers, by visiting any of our Customer Walk-in Centres, through our Call Centre, and/or through a network of 1,050+ Car4U approved branches in the following cities:

Abbottabad, Attock, Bahawalpur, Chakwal, D. G. Khan, Faisalabad, Gujranwala, Gujrat, Hyderabad, Islamabad, Jhang, Jhelum, Karachi, Kohat, Lahore , Larkana, Makran, Mardan, Mianwali ,Multan, Muzaffarabad A.K., Nawabshah, Peshawar, Rahim Yar Khan, Rawalpindi, Sahiwal, Sargodha, Sheikhupura, Sialkot, Sukkur and Vehari, BadinBagh, A.K., Bahawalnagar, Battagram, Bhakkar, Bhimber, Charsadda, Chiniot, Dadu, Faisalabad, Ghotki, Gwadar, Hafizabad, Haripur, Jacobabad, Jaffarabad, Jamshoro, Kambershahdad Kot, Kashmore, Kandhkot, Kasur, Khairpur,Mirs, Khanewal, Khushab, Kotli, Lasbela, Layyah, Lodhran, Malakand, Mandi Bahauddin, Mansehra, Matiari, Mianwali, Mirpur, A.K.Mirpur Khas, Muzaffargarh, Nankana Sahib, Narowal, Naushero Feroze, Nowshera, Okara, Pakpattan, Pishin, Poonch, Rajanpur,Sahiwal, Sanghar, Shaheed Benazirabad, Shikarpur, Sudhnooti, Sujawal, Swabi, Tando Allahyar, Tando Mohammad Khan, Tharparkar, Thatta, Toba Tek Singh, Umerkot and Zhob.

Contact Number: 042-35987908
City: Lahore
Address: MCB Customer Services Department, Ground Floor 58 Main Gulberg Lahore.
Contact Number: 051-8444351
City: Islamabad
Address: MCB Customer Services Department, MCB Corporate Branch, 3rd floor, 28-Jinnah Avenue, Blue Area, Islamabad.
Contact Number: 021-34307896
City: Karachi
Address: MCB Customer Services Department, Mehdi Tower, 1st Floor Shahrah-e-Faisal, Karachi.
Contact Number: 061-4517099
City: Multan
Address: MCB Customer Services Department, Al-Najaf Center, LMQ Road, Opposite Sharif Plaza, Kachari Chowk, Multan.
Contact Number: 022-2731245
City: Hyderabad
Address: MCB Customer Services Department, 2nd floor, Star Branch Risala Road, Hyderabad.
Contact Number: 055-3841602
City: Gujranwala
Address: MCB Customer Services-Walk In 1st floor old Mcb Circle office A-Block Trust Plaza Gujranwala.
Contact Number: 051-8315033
City: Rawalpindi
Address: MCB Customer Services Department, 1st floor, Al-Gilan Building, Satellite Town Branch Murree Road Rawalpindi.
Contact Number: 091-5815356
City: Peshawar
Address: MCB Customer Services Department, 3rd Floor Land Mark Building Circle Office, Phase-V, Hayatabad, Peshawar
Contact Number: 041-8738067
City: Faisalabad
Address: MCB Customer Services Department, Mansoorabad Branch, 1st Floor, Jhumra Road Near Atta Park, Faisalabad
Contact Number: 071-5621304
City: Sukkar
Address: MCB Customer Services Department, Circle Office, Bunder Road, Sukkur.
Contact Number: 048-3740949
City: Sargodha
Address: MCB Customer Services Department, 1st Floor Liaquat Market Branch, Sargodha.
So what are you waiting for?

Apply Now

For Further details, dial 111-000-622 for Call Center and/or you may also dial 042-35987979 for our Consumer Helpdesk.

Note:All loans shall be processed and approved as per MCB Bank Limited sole discretion in accordance with regulations and Bank’s approved policies and procedures.

*Terms and conditions apply