Car installment · Isuzu
Isuzu D-Max installment per month for every variant, from Pakistani banks — with the State Bank’s limits already applied.
Entry plan (Hi-Spark S/C M/T): Rs 106,166 a month for 36 months with 63% down, through Bank Alfalah at 16.54%.
Entry installment
Rs 106,166/mo
63% down · 36 months · Bank Alfalah
Installment calculator
Pick a variant, bank, tenure and down payment. Figures update instantly from each bank’s published rate.
1Variant
2Bank
3Tenure
Up to 3 years for this carSBP limits cars above 1000cc to 3 years.
4Down payment
63% · Rs 5,103,000The minimum is 63%, not 30%. Banks can lend at most Rs 3,000,000 per person (SBP), so the rest of the Rs 8,100,000 price is paid upfront.
Hi-Spark S/C M/T · 3 years · 63% down (or each bank’s minimum)
| Bank | Rate | Monthly | Upfront | Total markup / profit | |
|---|---|---|---|---|---|
 Car Ijarah | 14.75%fixed | Rs 113,724 | Rs 5,268,800 | Rs 1,259,064 | |
 Auto LoanLowest | 16.54%variable | Rs 106,166 | Rs 5,103,000 | Rs 824,976 | Selected |
 UBL DriveLowest | 16.54%variable | Rs 106,166 | Rs 5,103,000 | Rs 824,976 | |
 Apni CarLowest | 16.54%variable | Rs 106,166 | Rs 5,103,000 | Rs 824,976 |
Meezan’s rental already includes takaful and tracker; conventional banks charge insurance separately at their panel rates.
By variant
Minimum down payments above 30% come from the SBP limit of Rs 3,000,000 per borrower.
| Variant | Ex-factory price | Minimum down | Longest tenure | Monthly at min. down |
|---|---|---|---|---|
| Hi-Spark S/C M/T | Rs 8,100,000 | 63%Rs 5,103,000 | 3 years | Rs 106,166Bank Alfalah · 36 mo · 63% down |
| Hi-Rider S/C M/T | Rs 9,265,000 | 68%Rs 6,300,200 | 3 years | Rs 105,026Bank Alfalah · 36 mo · 68% down |
| V-Cross Auto Plus | Rs 10,790,000 | 73%Rs 7,876,700 | 3 years | Rs 103,201Bank Alfalah · 36 mo · 73% down |
| Hi-Rider D/C M/T | Rs 11,320,000 | 74%Rs 8,376,800 | 3 years | Rs 104,261Bank Alfalah · 36 mo · 74% down |
| V-Cross G M/T | Rs 12,250,000 | 76%Rs 9,310,000 | 3 years | Rs 104,147Bank Alfalah · 36 mo · 76% down |
| V-Cross G A/T | Rs 12,865,000 | 77%Rs 9,906,050 | 3 years | Rs 104,818Bank Alfalah · 36 mo · 77% down |
| X-Terrain | Rs 13,390,000 | 78%Rs 10,444,200 | 3 years | Rs 104,353Bank Alfalah · 36 mo · 78% down |
Before you apply
Most a bank can lend
Rs 3,000,000
Per person, across all banks combined — State Bank of Pakistan rule.
Minimum down on the D-Max
63%
Above the usual 30% because of the lending limit.
Longest tenure
3 years
SBP caps cars above 1000cc at 3 years (Meezan offers 5 on local EVs).
Income you’ll need
Rs 266,000+
Loan payments must stay under 40% of take-home pay.
Buyer’s guide
The entry Isuzu D-Max — the Hi-Spark S/C M/T — costs Rs 106,166 a month with Bank Alfalah: 63% down (Rs 5,103,000) and 36 months at 16.54%. The X-Terrain works out to Rs 104,353 a month, but only because it needs 78% down (Rs 10,444,200) — with the loan capped at Rs 3,000,000, pricier variants mostly raise the upfront payment, not the installment. Figures use each bank’s published rate on 2 October 2026 and the ex-factory price.
State Bank of Pakistan rules allow one person to borrow at most Rs 3,000,000 for a car, across all banks. Once the price is above Rs 4,285,714, a 30% down payment would leave more than Rs 3,000,000 to finance — so the minimum rises. On the Isuzu D-Max that means 63% for the Hi-Spark S/C M/T and up to 78% for the X-Terrain. Most comparison sites still quote 30% here, which no bank can approve.
The Isuzu D-Max is above 1000cc, so the State Bank caps car financing at 3 years. Ads that show five- or seven-year D-Max plans are out of date.
Over 3 years on the Hi-Spark S/C M/T, Meezan Car Ijarah comes to Rs 113,724 a month at a fixed 14.75% — and that rental already includes takaful and the tracker. Bank Alfalah Auto Loan is Rs 106,166 at 16.54% variable, before insurance, which you pay separately. A variable rate moves with KIBOR every year; Meezan’s does not.
Besides the down payment, budget for the bank’s processing fee, comprehensive insurance (included in Meezan’s rental), and registration — token tax, withholding tax and number plates. See the full Isuzu D-Max on-road price by province, and the monthly running cost for fuel and maintenance.
FAQ
1-year KIBOR 12.54% (1 October 2026). Figures are indicative — the bank confirms the final rate, insurance and fees in its key fact statement. Prices are ex-factory; banks finance the invoice price, which may include freight. Bank names and logos belong to their owners and are shown only to identify each bank; Watan Motors is not affiliated with any bank.