Auto financing in Pakistan climbed to Rs. 319 billion by the end of December 2025, reflecting a strong year-on-year increase of 35.5 percent compared to Rs. 235 billion in December 2024, as more consumers opted for bank leasing to purchase new and used vehicles. On a month-on-month basis, car loans recorded a marginal rise of 0.3 percent, indicating steady demand despite economic pressures. Alongside auto financing, personal loans for house building also showed growth, increasing by 10.3 percent year-on-year to Rs. 220 billion from Rs. 200 billion in the same period last year.
Credit card borrowing witnessed an even sharper rise, surging 30.5 percent year-on-year to Rs. 182 billion compared to Rs. 139 billion in December 2024. Overall, consumer financing expanded by 15 percent on a yearly basis, reaching Rs. 998 billion by the end of December 2025, up from Rs. 868 billion a year earlier, highlighting a broader recovery in household borrowing across multiple segments.
