United Bank Limited (UBL) - Car Finance Services

United Bank Limited (UBL)


UBL is one of the largest commercial banks in Pakistan having more than 1,220 online branches inside the country. UBL has a number of products and services for consumers.

Car Financing Product

UBL’s car leasing solution is called Car4U. The bank claims that Car4U is a unique auto-financing product, which offers you features, options and flexibility unmatched by any other bank.


  • Both fixed and floating rates are offered to our customers.
  • Floating rate is linked with KIBOR
  • At UBL we offer financing for new and used cars.
  • Customers who intend to avail loan facility from UBL Drive under this variant can readily have their existing cars replaced after a year of financing.
  • Financing is available for both new and used cars
  • The UBL and IMC alliance offers an exclusive financing deals which includes attractive terms such as immediate delivery, low mark-up & processing fees, quicker turn-around time and lower insurance rates on the sale of Toyota cars.
  • Free Tracking Device
  • No penalty will be charged from the customer if the loan is been paid off after a year.
  • Payment breaks given to customers on occasions such as Eid etc. Payment Holidays will be given once a year to the customers.
  • Customer will be provided the flexibility to change the loan tenor, opt for partial payment of the outstanding principal amount.
  • UBL Drive offers comprehensive insurance financing for the first year at discounted rates and free tracking device.

Eligibility Criteria

  • Salaried Individuals
    • Pakistani Citizenship
    • Age 22-60 years
    • Minimum monthly income 20,000
  • Self-Employed Business persons/ Professionals
    • Pakistani Citizenship
    • Age 22-70 years
    • Minimum monthly income 25,000


  • Salaried Individuals
    • Copy of CNIC
    • 2 recent passport size photographs
    • Latest original salary slip and personal bank statement for last 3 months
  • Self-Employed Business persons/Professionals
    • Copy of CNIC
    • 2 recent passport size photographs
    • Bank statement for last 6 months and bank letter-confirming details of the account
    • Proof of business

Contact Details

For more information please visit the nearest UBL branch or call 111-825-888. You can also find more information online here.