Know Your Numbers.
Calculate your lease payment, compare financing methods, and find cars that fit your budget — all in one place.
Monthly Payment Estimator
Enter any car price and see your real-time lease breakdown.
Cash vs Credit vs Lease
See what you really pay — all hidden costs revealed.
How Are Lease Payments Calculated in Dubai?
A standard lease-to-own payment in Dubai is calculated by financing the car price minus your initial payment at a 29% annual rate over 12–36 months. With a Balloon plan, 30% of the financed amount is deferred to the end of the contract, reducing your monthly payment by approximately 25%.
Unlike bank auto loans, your lease payment does not include insurance, registration, or admin fees — these are billed separately as an annual renewal fee equal to 5% of the vehicle's estimated value (minimum AED 8,000). This gives you full transparency into exactly what you're paying for.
Is Leasing a Car Cheaper Than Buying in Dubai?
For a AED 350,000 car over 3 years, leasing saves approximately AED 3,500/month compared to cash ownership and AED 4,200/month compared to a bank loan — when you include depreciation (18–22% in year one for German luxury cars), insurance, maintenance, and registration costs that bank loans don't cover.
Our detailed comparison breaks down every hidden cost. The calculator above uses real UAE depreciation data, insurance rates, and maintenance costs to show you the true picture. See how much you'd really pay with each method — not just the headline number.
What Can You Afford?
Enter your income and expenses to find cars that fit your lifestyle.
Your Finances
How Much Car Can I Afford on My Salary in Dubai?
Financial advisors in the UAE recommend spending no more than 40% of your disposable income (income minus rent and existing obligations) on vehicle costs. On a AED 25,000 salary with AED 8,000 in expenses, your recommended car budget is approximately AED 6,800/month — enough for an Audi A5, BMW X3, or Mercedes CLA.
No credit check required — Drive Your Dream evaluates your overall financial profile, not just a credit bureau number. Whether you're a freelancer, entrepreneur, or salaried employee on a new visa, we approve applications within 24 hours. Expat guide →
Common Questions
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