Suzuki Cultus UBL Drive Installment Plan 2026
The Suzuki Cultus UBL Drive Installment Plan makes car ownership easier for buyers who want predictable monthly payments. UBL Drive allows customers to finance a brand-new Cultus with flexible terms and a structured payment system. The plan is designed for both salaried and self-employed individuals across Pakistan.
This financing option supports buyers who prefer manageable installments instead of full upfront payment. With a minimum down payment requirement, customers can spread the remaining cost over several years. The plan also offers both conventional and Islamic financing options to meet different preferences
Suzuki Cultus Prices Used for Financing
UBL Drive calculates installments using the official ex-factory prices of the Suzuki Cultus as of January 2026. These prices vary by variant and directly impact monthly installments and down payment amounts. Buyers should select the variant that fits their budget and needs.
The Cultus lineup includes manual and AGS options. Each version has a different price point, which changes the financing structure. Below is a simple price reference table.
| Suzuki Cultus Variant | Ex-Factory Price (Rs.) |
|---|---|
| Cultus VXR Manual | 4,089,490 |
| Cultus VXL Manual | 4,359,160 |
| Cultus AGS | 4,591,460 |
Monthly Installments Under UBL Drive
The Suzuki Cultus UBL Drive Installment Plan starts from around Rs. 50,972 per month. This amount is an indicative figure and may increase or decrease based on several variables. Buyers should treat it as a starting estimate rather than a fixed rate.
Monthly installments depend on personal financing choices. These factors help determine the final payable amount:
- Selected Cultus variant
- Down payment amount, starting from 30%
- Financing tenure ranging from 1 to 5 years
Down Payment and Financing Tenure
UBL Drive finances up to 70% of the vehicle’s value. Buyers must pay at least 30% as a down payment before loan approval. A higher down payment can reduce monthly installments and total markup cost.
Tenure flexibility is a key feature of this plan. For vehicles up to 1000cc like the Cultus, customers can choose repayment periods between one and five years. Shorter tenures usually result in lower overall markup.
Markup Rates and Financing Options
UBL offers both fixed and floating markup rates under its auto financing program. Floating rates are linked to the one-year KIBOR plus a bank-defined spread. The exact rate depends on the bank’s prevailing rate sheet at the time of application.
Customers can also opt for Islamic financing through UBL Ameen Drive. This option follows Shariah-compliant principles and suits buyers who prefer non-interest-based financing. Both options are available under the same eligibility framework.
Source:https://propakistani.pk/
Eligibility Criteria for UBL Drive
UBL has clear income and age requirements to ensure responsible lending. These criteria apply equally across all Suzuki Cultus variants. Applicants must also hold a valid Pakistani CNIC.
Eligibility conditions include:
- Salaried individuals with minimum income of Rs. 35,000
- Self-employed individuals with minimum income of Rs. 50,000
- Age limits from 21 to 60 years for salaried applicants
- Age limits from 21 to 70 years for self-employed applicants
Required Documents for Application
UBL Drive requires basic documentation to assess financial stability. These documents help the bank verify income sources and repayment capacity. Complete paperwork can speed up approval.
Applicants usually need to submit the following:
- CNIC copy and two passport-size photographs
- Salary certificate or proof of business
- Six to twelve months of bank statements
- NTN and tax returns for self-employed individuals
How to Apply for Suzuki Cultus UBL Drive Installment Plan
Customers can apply online through the official UBL Drive portal. This option is suitable for those who prefer digital processing and quick initiation. Online applications still require document verification.
Buyers may also visit their nearest UBL branch for in-person assistance. Bank representatives guide applicants through variant selection, installment estimation, and documentation. Final approval depends on credit assessment.
BISP 8171 Eligibility 2026 Guide to Avoid Disqualification and Access Financial Support
FAQs
What is the starting monthly installment for Suzuki Cultus under UBL Drive?
The installment starts from around Rs. 50,972 per month. The exact amount varies by variant, tenure, and down payment.
How much down payment is required for Suzuki Cultus financing?
A minimum of 30% down payment is required. Buyers can pay more to reduce monthly installments.
Is Islamic financing available for Suzuki Cultus?
Yes, UBL Ameen Drive offers Shariah-compliant financing. It follows Islamic banking principles.
What is the maximum financing tenure for Suzuki Cultus?
The maximum tenure is five years. This applies to vehicles up to 1000cc.
Who can apply for the Suzuki Cultus UBL Drive Installment Plan?
Both salaried and self-employed individuals can apply. Applicants must meet income, age, and documentation requirements.