Know Your Numbers.
Calculate your lease payment, compare it with a bank loan and a cash purchase, 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 bank loan 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 on the car price minus your down payment, at a flat lease rate of 24% a year over a term of 12–36 months. That is a lease rate, not interest — Drive Your Dream owns the car and leases it to you, and nothing compounds. The down payment counts as payment #1, so the rest is split over the remaining months (23 on a 24-month contract). With a Balloon plan, 30% of the car price is deferred to the end of the contract — due after the last monthly, only if you keep the car — which lowers the monthly payment by roughly a fifth.
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.
See real prices across the fleet — median, cheapest and most expensive monthly, computed from the cars we lease today.
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?
A common rule of thumb in the UAE is to keep vehicle costs under 40% of your disposable income (income minus rent and existing obligations). On a AED 25,000 salary with AED 8,000 in expenses, that rule of thumb points to roughly AED 6,800/month — enough for an Audi A5, BMW X3, or Mercedes CLA. This is a general guideline, not financial advice: Drive Your Dream is a car trading and leasing company and does not advise on personal finances.
No credit check required — Drive Your Dream looks at whether the monthly payment is sustainable for you, not at 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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