Indicative estimate based on typical UAE bank terms. Final rate, deposit and eligibility are decided by the lender.
How car finance usually works in the UAE
General guidance only, not financial advice. Regulations and lender policies change, and each lender applies its own criteria. Always confirm details with the bank or dealer.
Deposit and term
UAE Central Bank regulations currently limit bank car finance to 80% of a vehicle's value, over a maximum of 60 months. Individual lenders may apply stricter limits.
"0% down" offers: these do not remove the deposit. The 20% still has to be paid, it is usually covered another way, such as through add-ons, insurance or a service package. Ask the dealer how their offer works.
Your rate
Lenders price individually. Factors commonly considered include salary, credit history, salary-transfer arrangements, and the vehicle itself.
Eligibility
Lenders generally ask for a valid UAE residence visa, Emirates ID and driving licence. Minimum salary requirements differ by lender and are not set centrally.
Affordability
Central Bank regulations currently require total monthly debt repayments to stay within 50% of income. How this is assessed varies between lenders.
Vehicle age
Many lenders won't finance a vehicle that will be beyond a certain age when the loan ends. Around 10 years is a commonly quoted limit, though some lenders are stricter and others more flexible. An older car may be offered a shorter term, or none at all.
Valuation
Lending is normally based on the lender's own valuation of the vehicle, which may differ from the advertised price.
Insurance
Lenders normally require comprehensive cover rather than third-party only, with the lender named as beneficiary and the policy kept in place for the full term. If the vehicle is written off and the payout comes to less than the outstanding balance, the difference is usually owed to the lender.
Other costs
Insurance, registration and lender fees are not included in this estimate. Amounts vary by vehicle, provider and lender.
Settling early
Central Bank regulations currently cap early settlement fees at 1% of the outstanding balance or AED 10,000, whichever is lower. Check your agreement for how this applies.
DubiCars is not a lender or finance broker and does not provide financial advice.
Listing type
For UAE: Listings by sellers who primarily sell within the UAE. These cars are available for purchase here. Some may also be available for export. Check with the seller to confirm.
For export: Listings by sellers who primarily sell outside the UAE. These cars may not be available for purchase in the UAE. Check with the seller to confirm.
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The car you're searching for isn't listed by sellers whose primary market is export. There may be listings from sellers primarily selling in the UAE.
Show export listings only
For export: Listings by sellers who primarily sell outside the UAE. These cars may not be available for purchase in the UAE. Check with the seller to confirm.
For export 
Exclusively on DubiCars 
Dubai 
GCC 
2026 
0 Km 
