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. Whether you are a salaried professional or a self-employed businessman, MCB Car4U has a complete solution for you. In addition, MCB offers a specially designed Car4U product for agriculturists as well as landlords.

All MCB account holders who receive overseas remittances regularly from any closely related family member are also eligible to apply for a Car4U finance facility.

MCB Car4U offers competitive rates for all car variants and tenors. Enjoy even a lower mark-up rate if you are already a MCB Bank customer.

*Car4U Low Markup High Speed - Special pricing for salaried individuals from select companies:

A special pricing of 1 Year KIBOR + 2.5% is being offered to the salaried individuals from select companies. This rate is coupled with highly competitive insurance rates. Click here to find out if your employer is in the list.

For 1-5 Years Financing For 6-7 Years Financing
1Year KIBOR + 2.5% 1Year KIBOR + 3.5%

Eligibility Criteria*:

  • Minimum monthly net salary / monthly income requirement: PKR 30,000/-
  • Minimum Age Requirement: 21 years*
  • Maximum Age (at loan maturity): 65 years (salaried) and 70 (Self Employed)
  • Employment/Business Length: Minimum 6 months employment (salaried)* / 1 year business (self-employed)*


  • Finance up to PKR 6 Million for New Cars & PKR 4 Million for Used Cards
  • Finance Tenure from 1 to 7 years
  • Option to purchase new, used, local as well as imported cars
  • Finance up to 80% of vehicle value*
  • Competitive insurance rates
  • Option to finance a second car
  • Options to prepay loan either partially to reduce monthly installment or in full to pay-off loan facility
  • Loan Replacement: Customers can easily upgrade their existing cars loan with a new loan with the pre-payment penalty waived

Special Convenience/ Services:

  • Agriculturists, landlords and foreign remittance recipients are eligible
  • No processing fee is payable if the loan is not approved
  • Drive away your car immediately after delivery of the vehicle – no need to wait till registration
  • 140+ 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 12 major cities

Minimum Documentation*:

  • Copy of CNIC
  • 2 passport sized recent photographs
  • Bank statement (6 month to 1 year)
  • Salary slip/ proof of business or other documents


MCB Car4U can be availed through either of our 140+ 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.

So what are you waiting for? Apply for MCB Car4U today!

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