Kia Stonic EX+ Introduced with 18-Month Interest-Free Installment Offer in Pakistan. Looking for an affordable, interest-free way to own the brand-new Kia Stonic EX+ in Pakistan? This new 18-month instalment plan from Lucky Motor Corporation (LMC) gives you exactly that a Shariah-compliant, zero-markup payment structure designed to make premium crossover ownership easier than ever.
Why the 18-Month Interest-Free Installment Plan Matters
Context in the Pakistani Auto-Financing Market
In today’s Pakistani market, high interest rates and burdensome bank-financing are major barriers for many salaried and middle-income buyers. The new 18-month interest-free installment plan for the Kia Stonic EX+ offers a timely alternative: no bank mark-ups, predictable payments, and transparent terms.
- Conventional auto loans often carry high interest, hidden fees and lengthy credit checks.
- This plan sidesteps typical bank-led financing by offering a direct manufacturer-supported scheme.
- The Shariah-compliant structure appeals to buyers seeking ethical financing aligned with Islamic principles.
Offer Overview and Key Highlights
Here’s a quick breakdown of what the plan includes:
- Starts October 29, 2025.
- Payment structure: 50% down payment, remaining half paid over 18 equal monthly instalments.
- Zero interest (zero markup) throughout the installment tenure.
- Admin or processing charges are bundled into the monthly payments instead of one lump sum.
- Offer is limited, subject to availability and LMC’s campaign terms.
Key Highlights
- Manufacturer-led, not dependent on bank loan interest.
- Predictable monthly payments with no surprises.
- Ideal for customers who already have ~50% of price down but prefer spreading the remainder.
- Ethically aligned with Shariah-based purchasing preferences.
Payment Plan & EMI Structure for Kia Stonic EX+
Detailed Breakdown
Here’s how the numbers look for the Kia Stonic EX+ under this plan:
| Component | Amount (PKR) | Notes |
|---|---|---|
| Ex-factory price | 5,999,000 | Price for the EX+ variant. Pakwheels+1 |
| Down payment (50%) | 2,999,500 | Due at booking |
| Remaining balance | 2,999,500 | Spread across 18 months |
| Admin charges | 100,000 | Included in monthly instalments |
| Monthly EMI (approx) | 172,194 PKR | Based on scenario described |
This equates to a low-stress, interest-free payment schedule over 18 months — significantly simpler than many bank-based car financing plans.
Comparison with Traditional Auto Loan
Here’s how this plan stacks up versus a typical bank auto-loan scenario:
- Traditional loan: Interest+markup, potentially fluctuating monthly payment, bank credit checks, hidden fees.
- This plan: Fixed equal payments, no interest/markup, simpler process, manufacturer-backed.
- Bottom line: Better transparency and potentially lower total cost.
Why This Offer is Beneficial for Buyers
Top Benefits
Buying under this structure comes with multiple advantages:
- Zero interest or markup means you pay only the car’s value plus charges — no extra cost for borrowing.
- Predictable budgeting: You know your exact monthly payment (≈ 172,194 PKR) for 18 months.
- Shariah-compliant: Ideal for buyers avoiding interest/markup due to religious or ethical preferences.
- Maintains liquidity: By paying 50% upfront and spreading the rest, you free up funds for other priorities (home, education, emergency).
- Access to a premium crossover: The Kia Stonic EX+ offers modern features and strong brand backing at a more accessible payment structure.
Ideal Buyer Profiles
This plan particularly fits:
- Salaried professionals or young executives buying their first premium car.
- Families upgrading to a compact crossover but cautious about financial burden.
- Buyers seeking Shariah-compliant vehicle ownership.
- Those wanting to avoid bank-financing paperwork and hidden costs.
Booking Requirements and Terms
What You’ll Need to Qualify
To lean into this plan, buyers must visit an authorised Kia dealership and complete the booking process:
Required Documents & Steps
- CNIC copy and personal information.
- Proof of down-payment availability (50%).
- Possibly a bank statement or income proof (varies by dealership).
- Signed provisional booking order (PBO) affirming terms.
- Down-payment cleared and documentation processed.
- Be aware: offer is limited and campaign can be modified or suspended by LMC.
Important Terms to Note
- Slots are limited, early booking is strongly advised.
- Offer is valid subject to campaign terms and LMC reserves right to change or stop it.
- Admin/service charges are incorporated into monthly instalments (so one-time upfront admin isn’t required).
- Delivery timelines, ex-factory to showroom/trade may vary — check with your local dealership.
Vehicle Highlights: Kia Stonic EX+ in Pakistan
Key Specifications & Features
While the focus of the article is the finance plan, here’s a reminder of the car you’re getting:
- Engine: 1.4L MPI petrol, 6-speed automatic.
- Fuel efficiency: approx 12 km/l in city & up to 16 km/l on highway.
- Safety: 6 airbags, vehicle stability management, hill start assist.
- Convenience features (EX+ variant): sunroof, 8″ infotainment with Apple CarPlay/Android Auto, 60:40 split-fold rear seats.
- Price (ex-factory): up to approx PKR 5,999,000 for EX+ variant.
Why Consider It Now?
- Local assembly means better parts availability and servicing in Pakistan.
- Compact crossover with premium feel fits urban lifestyle and occasional trips.
- Backed by Kia’s brand and after-sales network via LMC.
Getting the Most Out of the Offer
- Visit your nearest authorised Kia dealership early, as limited slots fill quickly.
- Ensure you have the 50% down‐payment ready, and keep supporting documents (CNIC, income proof) handy.
- Clarify all terms in the provisional booking order (PBO) — especially monthly payment, admin charges inclusive, delivery timelines.
- Ask your dealer about what happens if you miss an EMI — always check penalty/terms.
- Consider running the numbers: can you afford ~172,000 PKR per month for 18 months? (Or whatever the final EMI might be after charges)
- Retain documentation for after-sales, warranty, servicing schedule — it’s a premium car after all.
FAQ
Q1. What is the down-payment required for the Kia Stonic EX+ 18-month plan?
A: You’ll need approximately 50% of the ex-factory price at booking (about PKR 2.99 million) plus standard fees.
Q2. Is there any interest or markup charged under this plan?
A: No, the offer is an interest-free (zero markup) equal monthly instalment plan over 18 months.
Q3. Can I use bank-financing instead of this manufacturer instalment plan?
A: Yes, you may still choose a traditional bank auto-loan, but this particular campaign is a direct manufacturer-supported scheme that avoids bank interest/markup.
Q4. What happens if I cannot pay one of the 18 monthly instalments?
A: Policy details will be in your booking agreement. It’s important to clarify with your dealership what the delinquency or default terms are before signing.
Q5. Is the offer valid indefinitely?
A: No — the campaign is limited, subject to availability and may be modified or discontinued by LMC at its discretion. Early booking is recommended.
Conclusion
In summary, the new Kia Stonic EX+ 18-Month Interest-Free Installment Offer from LMC is a timely, consumer-friendly initiative in Pakistan’s current auto-financing landscape. With a Shariah-compliant structure, predictable payments, and zero markup, it offers a compelling path to owning a premium crossover without the burden of high interest or opaque bank charges.
