Requirements
What You Need to Lease a Car in Dubai
Two documents, no credit check, an answer in 24 hours. Below is the complete list of what we ask for, what we do not, and what actually stands behind the agreement instead of a bank. 46 cars available now.
What we ask for
A valid Emirates ID
It proves who you are and that you are a resident. An Emirates ID is not issued without a residence visa, so we do not ask for the visa separately.
A valid UAE driving licence
The car is registered in the UAE and driven here for 12 to 36 months. A home-country licence or an international permit does not cover that.
A down payment — on most plans
Typically 20–50% of the vehicle value, depending on the car. It is not a fee: it counts as your first payment. On selected cars in our fleet it can be zero over 12, 24 or 36 months, depending on the car, and you start with the first month plus insurance instead.
What we do not ask for
- An AECB credit report or a credit score of any kind
- A salary certificate or proof of income
- Six months of bank statements
- A salary transfer to a particular bank
- A guarantor or a company sponsor
- A separate copy of your residence visa
What stands behind the agreement instead of a credit check
A bank lends money and needs to know you will repay it, so it reads your history. We do not lend money — we buy a car and lease it to you. The vehicle stays registered to Drive Your Dream for the whole term and carries GPS tracking fitted at no extra charge; where a down payment applies, it adds to that. That is our cover, which is why your credit file is not part of the decision, and why the lease never appears in it.
Who this usually matters to
New residents
You can have a perfect credit record at home and none at all here. We approve from day one of your visa, any nationality.
Freelancers and the self-employed
Irregular income reads badly to a credit committee. We look at the car and the down payment instead.
Business owners
Capital stays in the business rather than frozen in a car purchase.
Anyone who has been declined before
A past rejection sits in your AECB file for years. We do not open that file.
What you pay, and when
Monthly
A fixed payment for the car. Post-dated cheques or a standing order — both are accepted, so a cheque-free path exists.
Once a year
Insurance, registration and paperwork as one renewal fee: 5% of the vehicle value, minimum AED 8,000.
Ongoing, as with any car
Fuel, Salik and any fines. Mileage allowance is 25,000 km a year; 35,000 and 50,000 km packages are available, and excess kilometres cost 10 AED each.
Cars available now
Every car below is in the fleet today and can be leased on the terms on this page.
- Chevrolet Traverse 2023from 2,306 AED per month0% down · 12–36 mo (on a 12-, 24- or 36-month plan)
- Mercedes-Benz E-Class 2022from 2,767 AED per month0% down · 12–36 mo (on a 12-, 24- or 36-month plan)
- Mercedes-Benz CLA 2023from 3,228 AED per month0% down · 12–36 mo (on a 12-, 24- or 36-month plan)
- Mercedes-Benz C-Class 2023from 3,382 AED per month0% down · 12–36 mo (on a 12-, 24- or 36-month plan)
- Mercedes-Benz A-Class 2023from 4,128 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Mercedes-Benz A-Class 2023from 4,128 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Mercedes-Benz A-Class 2023from 4,128 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Mercedes-Benz CLA 2025from 4,150 AED per month0% down · 12–36 mo (on a 12-, 24- or 36-month plan)
- Mercedes-Benz CLA 2024from 4,718 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Mercedes-Benz A-Class 2024from 4,914 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Audi TT 2023from 5,111 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Mercedes-Benz C-Class 2023from 5,111 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Mercedes-Benz C-Class 2023from 5,111 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Mercedes-Benz C-Class 2023from 5,111 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Mercedes-Benz GLC 2023from 5,380 AED per month0% down · 12–36 mo (on a 12-, 24- or 36-month plan)
- Mercedes-Benz GLC 2023from 5,380 AED per month0% down · 12–36 mo (on a 12-, 24- or 36-month plan)
- Mercedes-Benz GLA 2026from 5,995 AED per month0% down · 12–36 mo (on a 12-, 24- or 36-month plan)
- Mercedes-Benz GLA 2026from 5,995 AED per month0% down · 12–36 mo (on a 12-, 24- or 36-month plan)
- Mercedes-Benz V-Class 2023from 6,290 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Nissan Patrol 2023from 6,683 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Nissan Patrol 2023from 6,683 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Chevrolet Tahoe 2023from 7,077 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Chevrolet Tahoe 2023from 7,077 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Nissan Patrol 2024from 7,273 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
Requirements — FAQ
What documents do I need to lease a car in Dubai?
Two: a valid Emirates ID and a valid UAE driving licence. There is no salary certificate, no bank statement, no AECB credit report and no separate visa copy — an Emirates ID is not issued without a residence visa, so it already proves your status.
Do you check my credit score?
No. Drive Your Dream does not query the Etihad Credit Bureau. We assess the application ourselves, and the lease does not appear in your AECB file, because it is not a loan.
What stands behind the deal if there is no credit check?
The car itself and your down payment. The vehicle stays registered to Drive Your Dream for the whole term — we are the owner until the final payment — and it is fitted with GPS tracking at no extra charge. Where a down payment applies it adds to that cover. That is why we can approve people a bank would not.
Do I need a UAE driving licence, or is my home licence enough?
A UAE licence is required. A home-country licence or an international permit is not sufficient for a lease of this length — the car is registered here and driven here for 12 to 36 months.
How long does approval take?
Most applications are answered within 24 hours. There is no bank credit committee in the chain. After approval, handover usually happens within 1 to 3 business days.
How do the monthly payments actually leave my account?
Either post-dated cheques or a standing order from your bank — both are accepted, so there is a path that does not involve writing cheques at all. Tell us which you prefer before signing.
What does the monthly payment not cover?
Insurance, registration and paperwork are billed separately once a year as a single renewal fee: 5% of the vehicle value, minimum AED 8,000. Fuel, Salik and fines are yours, as with any car. The mileage allowance is 25,000 km a year, with 35,000 and 50,000 km packages available; anything beyond it is charged at 10 AED per km.
Can I be refused?
Yes. We look at every application individually, and we would rather decline than sign someone into payments that will not work. If the numbers do not fit, we will say so and suggest a cheaper car in the fleet.