Conventional Banking 
Islamic Apni Car Finance (DM-Consumer)
There’s nothing like a car of your own!
AL Habib Islamic Apni Car is an auto finance facility that lets you buy a car through Shariah-compliant mode of Diminishing Musharakah (DM). With affordable plans to suit your convenience, the facility is a quick and easy route to own a car. Enjoy the ride like never before.
The facility is based on Shirkat ul Milk. Under the facility, Bank and customer jointly own the vehicle. After assuming the ownership and possession of vehicle, bank rents outs its share of ownership to customer. Bank share of ownership is divided into units and customer undertakes to purchase the bank share of ownership, periodically.
Enjoy the exclusive benefits
Shariah compliant solution for auto financing
Facility is available for Brand New, Used & Imported Cars
Minimum customer participation for Brand New Cars is 20% & 30% for Imported / Used Cars
Minimum Bank contribution: Rs 250,000/-
Maximum Bank Contribution: Rs. 3,000,000/- for Brand New Cars and: Rs. 1,500,000/- for Imported / Used Cars
Financing period is 1-7 years.
Easy monthly installments
Easy documentation with hassle-free processing
Low and competitive rental payments
No rental payment before delivery of Car
Vehicle registration in your name
Early settlement/purchase option
No Pre-payment penalty
Partial payments allowed with no charges
Comprehensive Takaful coverage with Tracker option
Ijarah/DM facility for Corporate and SMEs also available
Free Personal Accident Takaful upto Rs. 500,000/-
Choice of reputable insurance companies at competitive rates
Free Internet Banking
Free E-Statement
Mobile Banking and SMS Alerts facility
Who can apply for Bank AL Habib Islamic ApniCar Auto Finance
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Pakistani Nationals
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Account holder of any Bank
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Salaried person, Businessman or Self-employed
Apply for Islamic ApniCar Auto Finance now!
Or Visit your nearest branch
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Our highly trained executives will take care of your financing requirements
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The only thing you need to worry about is choosing the car and its colour