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Auto Financing Hits Record High of Rs319 Billion
Carr.pk
Auto financing in Pakistan reached an all-time high of Rs319.08 billion in December 2025, according to the State Bank of Pakistan’s report. This represents a month-on-month increase of 0.33% compared to Rs318.03 billion in November 2025.
The market has maintained a steady upward trend since the start of the fiscal year in June 2025, rising from an initial level of Rs276 billion as the sector recovers from previous lows.
In YoY (year-on-year) comparison, the car financing rate recorded a 35.52% increase, when it stood at Rs235.45 billion in December 2024.
This consistent growth is largely driven by declining interest rates. The policy rate has been on a downward trend since January, currently sitting at around 10.5%, the lowest level since April 2022, encouraging more consumers to lease vehicles.
