Auto financing in Pakistan climbed to Rs. 319 billion by the end of December 2025, reflecting a strong rise of 35.5 percent year-on-year compared to Rs. 235 billion in December 2024, as more buyers relied on bank leasing to purchase new and used vehicles.
On a month-on-month basis, car loans recorded a modest increase of 0.3 percent, indicating steady demand despite broader economic pressures.
Personal loans for house building also showed growth, rising 10.3 percent year-on-year to Rs. 220 billion, up from Rs. 200 billion in the same period last year, suggesting continued interest in residential construction and home ownership.
Credit card borrowing saw one of the sharpest increases, surging 30.5 percent year-on-year to Rs. 182 billion, compared to Rs. 139 billion in December 2024. The rise points to higher consumer spending as well as greater reliance on short-term credit.
Overall, consumer financing expanded by 15 percent year-on-year, reaching Rs. 998 billion by the end of December 2025, up from Rs. 868 billion a year earlier, highlighting a broad-based increase in household borrowing across multiple segments.
