Pakistan’s auto financing reached a new record of Rs 386 billion in July 2026. This is the highest level ever recorded, according to data from the State Bank of Pakistan (SBP).
The amount rose 35.2 percent from Rs 286 billion in July 2025. It also edged up 1.2 percent from the previous record of Rs 382 billion set in June 2026. The continuous rise shows that more people are taking bank loans to buy vehicles as consumer demand strengthens.
Banks are expanding their lending to individuals and businesses. Private-sector borrowing grew 15% year-on-year to Rs 10.9 trillion in July, up from Rs 9.5 trillion a year earlier.
Other types of consumer loans also increased. Bank loans for house construction rose 37.2 percent to Rs 286 billion. Credit-card loans climbed 30.5 percent to Rs 212 billion.
Here is a simple summary of the key figures:
| Category | July 2026 | July 2025 | Change (YoY) |
| Auto Financing | Rs 386 bn | Rs 286 bn | +35.2% |
| Private Sector Borrowing | Rs 10.9 tr | Rs 9.5 tr | +15% |
| Housing Loans | Rs 286 bn | Rs 263 bn | +37.2% |
| Credit Card Loans | Rs 212 bn | Rs 163 bn | +30.5% |
The higher volume of auto loans may support Pakistan’s recovering car market after years of slower sales. However, experts note that rising financing does not always mean an equal jump in vehicle sales, as loan sizes and repayment patterns also play a role.