Car Finance
Car Finance in Dubai
Need a car loan? Our dedicated managers handle the entire process — from application to approval through UAE's top banks.
How Car Finance Works
We're not a bank — we're your concierge. Here's how we help you get the best deal.
1
Choose Your Car
Browse our fleet, partner dealers, or bring your own from Dubizzle / auction. We help you find the perfect match.
2
We Handle the Bank
Our managers submit your application to ENBD, ADIB, or Dubai Islamic Bank. You get the best rate without visiting a single branch.
3
Drive Away
24–72 hour approval. We handle all paperwork, insurance, and registration. You just pick up your keys.
Our Banking Partners
We work with UAE's leading banks to get you the best rates and terms.
Emirates NBD
Personal & Corporate
From 2.49% flat rate
- ✓ Salary transfer not required
- ✓ Up to 60-month term
- ✓ Minimum salary: 5,000 AED
ADIB (Abu Dhabi Islamic Bank)
Islamic (Murabaha) & Corporate
Sharia-compliant financing
- ✓ Murabaha-based structure
- ✓ Corporate fleet financing
- ✓ No conventional interest
Dubai Islamic Bank
Islamic Finance
Competitive profit rates
- ✓ Fully Sharia-compliant
- ✓ Flexible repayment terms
- ✓ Fast approval for UAE residents
Personal vs Corporate Finance
| Personal | Corporate | |
|---|---|---|
| Bank | ENBD | ADIB / ENBD / DIB |
| Min Salary | 5,000 AED | Trade license required |
| Down Payment | 20% | 20% |
| Max Term | 60 months | 48 months |
| AECB Impact | ⚠ Yes — affects credit limit | ⚠ Company credit |
| Documents | ID, Visa, Salary cert | Trade license, Bank statements |
⚠ How a Car Loan Affects Your Credit
A car loan adds to your AECB record and reduces your available credit capacity. This means a future mortgage or business loan may be denied or reduced — even if you can afford it.
✓ Leasing alternative
Leasing does NOT appear on your AECB record. Your mortgage and future loan eligibility stays intact. Compare Credit vs Lease →
Why Finance Through DYD?
✓
Personal Manager
Your dedicated manager handles bank applications, document prep, and negotiations. You never visit a branch.
✓
Best Rate Guarantee
We compare rates across ENBD, ADIB, and DIB to get you the most competitive terms.
✓
Car Sourcing + Finance = One Stop
Find your car and arrange finance in one place. No running between dealers and banks.
✓
150-Point Inspection
Every car goes through our EasyCare 150-point diagnostic — even for cash or credit purchases.
✓
Islamic Finance Available
Sharia-compliant Murabaha financing through ADIB and Dubai Islamic Bank.
Ready to Get Started?
Tell us what car you want — we'll find it and arrange the best finance option for you.