By The Bank of Punjab (BOP) Car Scheme 2025 is a game-changer for individuals looking to own a car in Pakistan through flexible and affordable financing options. Designed to cater to both local residents and Overseas Pakistanis, the scheme offers two tailored plans—Roshan Apni Car and CarGar Auto Finance—each structured to fit varying financial needs and lifestyles.
Roshan Apni Car: A Smart Choice for Overseas Pakistanis
For non-resident Pakistanis maintaining a Roshan Digital Account (RDA), the Roshan Apni Car scheme is an ideal way to purchase a brand-new vehicle in Pakistan—either for personal use or for family members. This plan offers:
- No age limit (lien-based financing)
- Loan limit up to PKR 10 million
- Flexible tenure up to 7 years
- Low markup rates
- Minimum down payment starting at 15%
- Nominee requirement (must be a local Pakistani)
CarGar Auto Finance: Convenient for Local Residents
The CarGar Auto Finance plan is specially designed for Pakistani residents, both salaried and self-employed individuals. It supports the purchase of both new and used cars (up to 5 years old), with terms including:
- Loan limit up to PKR 3 million
- Tenure up to 5 years
- Markup based on KIBOR + 5-6%
- Eligibility starting from PKR 30,000 monthly income
- No nominee required
Required Documents for BOP Car Financing
To apply, the following documents are typically needed:
- CNIC / NICOP / POC
- Salary slips or proof of income
- Bank statements (last 6 months)
- Business registration (if applicable)
- Passport-size photographs
- Nominee documents (for Roshan Apni Car)
How to Apply for the BOP Car Loan?
- Visit the official BOP website or your nearest branch.
- Select your preferred financing plan.
- Complete the car loan application form.
- Submit the necessary documentation.
- Await approval and proceed with car booking.
Why Choose the BOP Car Scheme 2025?
With low markup rates, minimal down payments, and flexible eligibility criteria, the Bank of Punjab Car Scheme 2025 stands out as one of the most accessible and customer-friendly car financing options in Pakistan. Whether you’re living abroad or working locally, BOP’s car finance plans provide a seamless path to affordable car ownership.
Disclaimer: This article is for informational purposes only. For the most accurate, up-to-date details and personalized advice, please visit the official Bank of Punjab website or contact your nearest BOP branch directly. Terms and conditions may vary.
