Apni Car

Apni Car is a car financing scheme for individuals that puts you in the driving seat. We have designed a flexible and easy program to let you pay for your car in terms that suit you. So go ahead, drive your dream car home and pay for it in easy installments.



How to Apply?

All you need to do is fill out the lease application form and submit it to us with a copy of your NIC and driving license, and a passport size photograph, last paid utility bills and bank statements. We will start processing your application as soon as we receive it and before you know it you will be steering your dream car through your driveway.

Terms & Conditions

	Minimum down payment required	Cost of Vehicle
	10% upto	Rs. 750,000/-
	20%	Rs. 750,000/- to Rs. 900,000
	30%	Rs. 901,000/- to Rs. 1,050,000
	40%	Rs. 1,051,000/- to Rs. 1,300,000

 

	Processing Fee of Rs. 2,000/- to be paid with the Application Form which includes non-refundable fee of Rs. 1,000/-
	Insurance Premium of first year will be payable in advance.
	Monthly Lease Rental will be payable in advance for which post dated cheques are required.
	Registration cost, Capital Value Tax (CVT) and any other cost/tax (if applicable) will be borne by the customer.
	Once the request is approved, you need to make the following payments before disbursement:

 

	Down Payment
	First Rental
	First Year’s Insurance Premium

 

	Disbursement will be made when all formalities are completed satisfactorily.
	This scheme is only for Karachi and Lahore and the vehicle must be registered in Karachi or Lahore.

 

Salient Features
	You may lease any vehicle valuing upto Rs. 1.30 million.
	Choose the financing period of your own choice i.e. 36 months, 48 months and 60 months.
	Flexibility of down payment is available i.e. 10%, 20%, 30% and 40% depending upon your cash flow.
	Minimum documentation is required as mentioned above.
	Insurance premium for the 1st year is payable upfront and the remaining lease period’s insurance premium is built into the rentals.

 

Insurance Company
While we make getting a car easier for you, we put your mind at ease by insuring Apni Car through one of the largest insurance companies in Pakistan. The large size of the insurance company provides a high comfort level to tackle any damage or loss. In addition to that, the insurance company will entertain all claims irrespective of amounts.