Electric bikes on installments
Updated 6 Nov 2026
There are three ways to pay monthly. Some bank credit cards offer 0% plans for 3 to 12 months. Banks offer bike finance over longer periods, usually with a markup or profit rate. And the government's PAVE scheme takes Rs 50,000 off with 0% markup through a bank, once registration opens. eSawaari doesn't lend money. We show how to estimate a payment and send you to the bank.
Plans we know of
Offers change often. We only list a bank plan here after we've checked it in the last 30 days with a source and date. Right now we haven't verified a current card or bank plan for the bikes we list, so we don't show Alfalah, Meezan or Qist Bazaar rows as if they were live.
| Plan | For | Terms | Status |
|---|---|---|---|
| Pay in full | Any listed bike | Cash or transfer to the dealer | Available now |
| PAVE scheme (government) | Approved bikes only | Rs 50,000 off, 0% markup through a bank, 20% down, up to 2 years | Phase 2 registration not open yet |
Ask the bank for the final terms before you sign. See the PAVE guide for Phase 2 status.
Work out your monthly payment
Pick a bike and a type of plan to see roughly what you'd pay each month. For bank finance, enter the rate the bank quoted you — we don't invent a default rate.
Example: Yadea GT30, Rs 194,000
On a 6-month 0% card plan, that's about Rs 32,334 a month, plus any processing fee. On bank finance with 20% down (Rs 38,800) at an example rate of 18% a year over 12 months, it's about Rs 14,229 a month. You'd pay about Rs 209,548 in total, about Rs 15,548 more than cash. (18% is an example to show the maths, not a rate any bank has quoted.)
FAQ
- Qiston par electric bike mil sakti hai?
- Yes. Some bank credit cards offer 0% plans, banks offer bike finance, and the PAVE scheme offers 0% markup through a bank once registration opens. Each has its own conditions.
- Is a 0% plan really free?
- The markup is 0%, but banks usually charge a processing fee and taxes. Ask for the total before you agree.
- Can I get an electric scooty on installments without a credit card?
- Yes, through bank finance or a buy-now-pay-later company. You'll need a CNIC and proof of income, and the bank decides.
- Does eSawaari give loans?
- No. We only show how to estimate payments and connect you with the bank or dealer.
Sources for scheme background: Pakistan Observer, 23 Jul 2026; Bloom Pakistan, 11 Mar 2026; EVFinder PAVE page, checked 21 Oct 2026; TechJuice, 15 Sep 2025.