Lease-to-own cost · live fleet data · September 2026

How much does it cost to lease a car in Dubai?

Across the 25 cars we lease in Dubai today, the median payment is AED 6,149 a month at 20% down over 36 months. The cheapest is AED 2,306 (Chevrolet Traverse 2023), the most expensive AED 37,506 (Rolls-Royce Cullinan 2023). Insurance, registration and admin are not in that number: they are one annual fee, 5% of the car's value, minimum AED 8,000.

25 vehicles from 8 brands. Median lease-to-own payment AED 6,149 a month at 20% down over 36 months, car only. Range AED 2,306 to AED 37,506. Insurance, registration and admin are a separate annual fee of 5% of vehicle value, minimum AED 8,000. Computed on 2026-09-03 from the live fleet.
6,149
Median monthly
2,306
CheapestChevrolet Traverse 2023
75,000–1,220,000
Vehicle prices
10,000
Annual fee at the median priceinsurance + registration + admin, once a year

Computed on 2026-09-03 from 25 cars listed for lease-to-own. Sold and unpriced cars excluded. All amounts in AED.

Two payments, not one

The monthly payment covers the car only. Insurance, registration and admin are one separate annual fee.

Median-priced car

Vehicle price200,000
Down payment 20%40,000
Monthly payment × 356,149
car only
Annual fee × 310,000
insurance + registration + admin, billed once a year: max(5% of price, AED 8,000)
Balloon at month 3660,000
30% of the vehicle price, due only if you keep the car
To drive away50,000
down payment + year-1 fee
3-year total if you keep the car345,215
if you return the car instead285,215

monthly = ((price − down) × (1 + 0.24 × months ÷ 12) − balloon) ÷ 35

3-year cost of the median-priced car

Down payment (payment #1)AED 40,000
35 monthly paymentsAED 215,215
3 annual feesAED 30,000
BalloonAED 60,000

More: how the contract works · the balloon in detail

Monthly lease cost by budget

Every car in the fleet by its monthly payment at 20% down over 36 months. Each tick is a car.

3k
6k
12k
0AED 37,506

Under AED 3,000 · 3 of 25 cars

2,459 median

CarYearVehicle priceMonthlyAnnual feeDrive-away
Chevrolet Traverse 2023202375,0002,3068,00023,000
Chevrolet Traverse 2023202380,0002,4598,00024,000
Mini Cooper 2024202495,0002,9218,00027,000

AED 3,000–5,999 · 9 of 25 cars

3,535 median

CarYearVehicle priceMonthlyAnnual feeDrive-away
BMW 3 Series 20222022105,0003,2288,00029,000
Mercedes-Benz CLA 20232023105,0003,2288,00029,000
Mini Cooper 20252025105,0003,2288,00029,000
Mercedes-Benz C-Class 20232023110,0003,3828,00030,000
Mercedes-Benz E-Class 20222022115,0003,5358,00031,000
Mercedes-Benz CLA 20252025135,0004,1508,00035,000
Chevrolet Tahoe 71 20222022170,0005,2268,50042,500
Mercedes-Benz GLA 20262026195,0005,9959,75048,750
Mercedes-Benz GLA 20262026195,0005,9959,75048,750

AED 6,000–11,999 · 5 of 25 cars

6,149 median

CarYearVehicle priceMonthlyAnnual feeDrive-away
GMC Denali 20232023200,0006,14910,00050,000
Mercedes-Benz GLC 20232023200,0006,14910,00050,000
Mercedes-Benz GLC 20232023200,0006,14910,00050,000
Land Rover Range Rover Sport 20232023315,0009,68415,75078,750
Land Rover Range Rover Sport 20232023330,00010,14516,50082,500

AED 12,000 and up · 8 of 25 cars

21,520 median

CarYearVehicle priceMonthlyAnnual feeDrive-away
Mercedes-Benz G-Class 20232023590,00018,13829,500147,500
Mercedes-Benz G-Class 20232023590,00018,13829,500147,500
Mercedes-Benz G-Class 20222022650,00019,98332,500162,500
Lamborghini Urus 20222022700,00021,52035,000175,000
Mercedes-Benz G-Class 20242024700,00021,52035,000175,000
Lamborghini Urus 20212021785,00024,13339,250196,250
Mercedes-Benz G-Class 20252025815,00025,05540,750203,750
Rolls-Royce Cullinan 202320231,220,00037,50661,000305,000

What moves the monthly lease cost

Down payment and term are the two levers. The range below is the calculator's own: 0–50% down, 12, 24 or 36 months.

Vehicle price AED 200,000 (median), balloon plan

Down payment12 months24 months36 months
Down 0%15,6679,8337,889
Down 20%12,5827,6876,149
Down 50%5,8183,8263,200
PlanDown 0%Down 20%Down 50%
Standard plan (no balloon), 36 months9,5567,8634,914

Balloon at 36 months with 0% down: AED 60,000

Balloon at 36 months with 20% down: AED 60,000

Balloon at 36 months with 50% down: AED 60,000

At 36 months, going from 20% to 50% down cuts the monthly by AED 2,949; 12 months instead of 36 raises it by AED 6,433.

BrandCarsMonthly fromtomedian
BMW13,2283,2283,228
Chevrolet32,3065,2262,459
GMC16,1496,1496,149
Lamborghini221,52024,13322,827
Land Rover29,68410,1459,915
Mercedes-Benz133,22825,0556,149
Mini22,9213,2283,075
Rolls-Royce137,50637,50637,506

Monthly at 20% down over 36 months, car only.

Run your own numbers

Lease cost of every car in the fleet

All cars listed for lease-to-own, cheapest first. Monthly at 20% down over 36 months; superscripts point to the methodology below.

#CarYearVehicle priceMonthly4Annual fee6Drive-away7Balloon53-year total7
1Chevrolet Traverse 2023202375,0002,3068,00023,00022,500142,210
2Chevrolet Traverse 2023202380,0002,4598,00024,00024,000150,065
3Mini Cooper 2024202495,0002,9218,00027,00028,500173,735
4BMW 3 Series 20222022105,0003,2288,00029,00031,500189,480
5Mercedes-Benz CLA 20232023105,0003,2288,00029,00031,500189,480
6Mini Cooper 20252025105,0003,2288,00029,00031,500189,480
7Mercedes-Benz C-Class 20232023110,0003,3828,00030,00033,000197,370
8Mercedes-Benz E-Class 20222022115,0003,5358,00031,00034,500205,225
9Mercedes-Benz CLA 20252025135,0004,1508,00035,00040,500236,750
10Chevrolet Tahoe 71 20222022170,0005,2268,50042,50051,000293,410
11Mercedes-Benz GLA 20262026195,0005,9959,75048,75058,500336,575
12Mercedes-Benz GLA 20262026195,0005,9959,75048,75058,500336,575
13GMC Denali 20232023200,0006,14910,00050,00060,000345,215
14Mercedes-Benz GLC 20232023200,0006,14910,00050,00060,000345,215
15Mercedes-Benz GLC 20232023200,0006,14910,00050,00060,000345,215
16Land Rover Range Rover Sport 20232023315,0009,68415,75078,75094,500543,690
17Land Rover Range Rover Sport 20232023330,00010,14516,50082,50099,000569,575
18Mercedes-Benz G-Class 20232023590,00018,13829,500147,500177,0001,018,330
19Mercedes-Benz G-Class 20232023590,00018,13829,500147,500177,0001,018,330
20Mercedes-Benz G-Class 20222022650,00019,98332,500162,500195,0001,121,905
21Lamborghini Urus 20222022700,00021,52035,000175,000210,0001,208,200
22Mercedes-Benz G-Class 20242024700,00021,52035,000175,000210,0001,208,200
23Lamborghini Urus 20212021785,00024,13339,250196,250235,5001,354,905
24Mercedes-Benz G-Class 20252025815,00025,05540,750203,750244,5001,406,675
25Rolls-Royce Cullinan 202320231,220,00037,50661,000305,000366,0002,105,710
Median200,0006,14910,00050,00060,000345,215
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How these numbers are computed

  1. 1

    Sample: 25 cars listed for lease-to-own on 2026-09-03; sold cars, cars without a price and cars the fleet system marks unavailable are excluded (the same rule the catalog uses).

  2. 2

    Price basis: current market value from our fleet system, not a transaction price.

  3. 3

    Reference payment: 20% down, 36 months, balloon plan — the configuration every car card on this site shows, and the calculator's default.

  4. 4

    Monthly: the financed amount (price − down) carries 24% per year, flat, over the whole term; the balloon is then subtracted and the result is divided by 35 payments. It is a lease yield, not a bank APR; nothing compounds.

  5. 5

    Balloon: 30% of the vehicle price, due after the last monthly payment and only if you keep the car.

  6. 6

    Annual fee: 5% of vehicle value, minimum AED 8,000, billed once a year, covers insurance, registration and admin. It is never inside the monthly.

  7. 7

    Down payment: it is payment #1 of the contract, so a 36-month lease with a down payment has 35 monthly payments after it, not 36. Drive-away: down payment + first annual fee, nothing on top. 3-year total: down + 35 monthlies + 3 annual fees + balloon.

  8. 8

    Because every line is a fixed share of the price, the 3-year total is 1.73× the vehicle price for every car priced at AED 160,000 or more. Below that the AED 8,000 minimum fee raises the multiple, up to 1.90× on the cheapest car.

  9. 9

    Not in these numbers: fuel, servicing, depreciation, resale value. Standard mileage cap 25,000 km per year; the car stays inside the UAE; no off-road use.

  10. 10

    Median: middle value; with an even count, the mean of the two middle values. Refreshed on every deploy from the fleet snapshot.

Cite this page

September 2026: the median lease-to-own payment across Drive Your Dream's 25-car Dubai fleet is AED 6,149 a month (20% down, 36 months, car only), plus an annual insurance and registration fee of 5% of vehicle value, minimum AED 8,000. Source: https://driveyourdream.club/car-lease-cost-dubai

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Permalink: #cite · Data as of 2026-09-03

Questions and answers

What is the cheapest car to lease-to-own in Dubai?

AED 2,306 a month for the Chevrolet Traverse 2023 at 20% down over 36 months. The annual fee on it is AED 8,000 (the minimum).

Is insurance included in the monthly payment?

No. Insurance, registration and admin are one annual fee, 5% of vehicle value, minimum AED 8,000, billed once a year.

How much do I need to drive away?

For the median-priced car (AED 200,000): AED 50,000 = down AED 40,000 + first month AED 6,149 + year-1 fee AED 10,000.

Is a shorter term cheaper?

Cheaper in total, dearer per month: at 20% down the median car is AED 12,582 over 12 months and AED 6,149 over 36.

What is the balloon payment?

30% of the vehicle price at the end of the term. Pay it and keep the car, or return the car and pay nothing. Balloon payment in detail

Do these prices change?

Yes. They are recomputed on every deploy from the fleet snapshot, last on 2026-09-03. Quote the date with the number.

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