Mercedes Lease to Own in Dubai: Prices, Models & Bank Maths

On 4 October 2026, 29 of the 46 cars available in our fleet are Mercedes-Benz. With a 20% first payment and the longest term each car allows, the cheapest is from AED 4,128 a month (a 2023 CLA 250 over 36 months) and the most expensive from AED 35,383 (a 2025 AMG G 63, also over 36 months). Every DYD payment figure in this guide comes from our lease calculator, assumes no final payment and applies to that specific car at its listed price. Where there is a first payment, it counts as payment number one, so a 24-month plan means the first payment plus 23 monthly payments.

On top of the monthly there is an annual payment for comprehensive insurance, RTA registration and admin: 5% of the car's price, minimum AED 8,000, charged once a year. Here it is next to a selection of our cars:

• A 180, 2023 (AED 105,000): from AED 4,128 a month, 20% first payment, 36 months. Annual payment AED 8,000.
• C 200, 2023 (AED 130,000): from AED 5,111 a month, 20% first payment, 36 months. Annual payment AED 8,000.
• CLA 250, 2023 (AED 105,000): from AED 4,128 a month, 20% first payment, 36 months. Annual payment AED 8,000.
• E 200 Avantgarde, 2022 (AED 120,000): from AED 4,718 a month, 20% first payment, 36 months. Annual payment AED 8,000.
• GLA 200, 2026 (AED 195,000): from AED 7,666 a month, 20% first payment, 36 months. Annual payment AED 9,750.
• GLC 200 4MATIC Coupé, 2023 (AED 200,000): from AED 7,863 a month, 20% first payment, 36 months. Annual payment AED 10,000.
• GLC 200 4MATIC, 2024 (AED 210,000): from AED 8,256 a month, 20% first payment, 36 months. Annual payment AED 10,500.
• V 300 Avantgarde, 2025 (AED 240,000): from AED 9,435 a month, 20% first payment, 36 months. Annual payment AED 12,000.
• AMG G 63, 2022 (AED 650,000): from AED 25,554 a month, 20% first payment, 36 months. Annual payment AED 32,500.

Some car pages show a lower "from" figure than these. That figure assumes a final payment at the end, which exists only on selected cars and only when a customer asks for it. We quote plans without one, because that is the number after which the car is simply yours. The fleet rotates, so treat these figures as a snapshot and our Mercedes-Benz brand page as the live list.

We buy the car, and it stays registered in our company's name for the whole term. After the last payment, ownership transfers to you with a clean title. You can buy out early at any point with no penalty; ask for the figure in writing.

The monthly is simple. Take the car's price, subtract your first payment, and the rest is spread over the remaining months at a price fixed on the day you sign, with no compounding. On the C 200 at AED 130,000 with 20% down: AED 26,000 up front, then AED 6,692 a month for the remaining 23 months. Compare contract totals with a bank, not headline rates.

The annual payment sits outside the monthly: 5% of the car's price, minimum AED 8,000, paid once a year and fixed for the term. It covers comprehensive insurance, RTA registration and the admin around both. GPS tracking is fitted at no charge. Insurance is never inside our monthly figure.

The minimum matters on a Mercedes because the entry models sit below the threshold. AED 8,000 is 7.6% of an AED 105,000 A 180 and 6.2% of an AED 130,000 C 200; from a price of AED 160,000 it is exactly 5%. Relative to the car, the annual payment on an A-Class is heavier than on a GLC.

Day one is therefore one of two amounts. With a first payment, it is that payment plus the first annual payment. With zero down, it is the first monthly plus the annual payment. The C 200 example in the next section shows both, with full contract totals.

Yes. Every Mercedes in our fleet can be taken with zero down on a 12- or 24-month plan. Thirty-six months with zero down is offered on selected cars: on 4 October 2026, about a third of our Mercedes, including the GLC Coupés, GLA 200s and E 200, offer it; some G 63s need 20% down for 36 months, and so do the A 180s, C 200s, 2024 GLCs and V-Class cars. Each car page shows its own terms.

The C 200, 2023, at AED 130,000 over 24 months, both ways:

• Zero down: from AED 8,017 a month for 24 months. Day one AED 16,017. Total AED 208,408.
• 20% first payment: AED 26,000, then from AED 6,692 a month for 23 months. Day one AED 34,000. Total AED 195,916.

Zero down keeps about AED 18,000 in your account on day one and costs AED 12,492 more over two years: a cash-flow tool, not a discount. A new arrival paying a year's rent up front may value that cash more now. If it would otherwise sit in savings, put it down.

The shortest term is cheapest in total, because you pay for the car over less time: the same C 200 with zero down over 12 months is from AED 13,433 a month and AED 169,196 in total. Few people can carry that monthly, which is the whole trade-off in one line. Our zero-down guide has the contract checklist.

With a used Mercedes, ask how much depreciation the first owner has already absorbed. Gargash, the distributor for Dubai, Sharjah and the Northern Emirates, lists these new-car starting prices on 4 October 2026, in AED: A-Class Sedan 228,900; CLA 255,900; C-Class 261,900; E-Class 326,900; GLA 218,900; GLC 298,900; GLC Coupé 342,900 (354,900 on its Coupés listing); GLE 476,900; G-Class 759,900. These are entry prices for current models, VAT is not mentioned, and our cars are specific trims and years, so the gaps below are indicative.

A-Class and CLA. The cheapest way into the brand: a 2023 A 180 at AED 105,000 is under half the A-Class Sedan's new price. But it is a 1.3-litre, 136 hp car and the minimum annual payment weighs most on it. The CLA 250 brings a 2.0-litre, 221 hp engine for similar money: from AED 4,128 a month for the 2023 car at AED 105,000 over 36 months, or from AED 4,718 for the 2024 CLA 250 4MATIC at AED 120,000 over 36 months, both with 20% down.

C-Class. The 2023 C 200s at AED 130,000 cost about half the new C-Class starting price. The honest reason: they have covered roughly 68,000 to 100,000 km, shown on each car page. When we source a Mercedes, a complete service history matters more to us than the odometer, but you should know why the price is what it is. The C 300 4MATIC at AED 110,000 has 255 hp, all-wheel drive and a 36-month option: from AED 4,325 a month with 20% down, or from AED 5,256 with zero down.

E 200, 2022. The previous-generation E-Class, which is why it costs AED 120,000 while a new one starts at AED 326,900. It is the cheapest executive saloon in our fleet: from AED 4,718 a month over 36 months with 20% down, or from AED 5,733 with zero down. It has 55,000 km and is EU-spec, as the car page states.

GLA 200, 2026. Near-new at AED 195,000 against AED 218,900 new, so only about AED 24,000 of depreciation saved. The case for it is speed and cash flow, not price: from AED 7,666 a month over 36 months with 20% down, or from AED 9,317 with zero down. If you are bankable and want new anyway, go to the dealer for this one.

GLC and GLC Coupé. The sweet spot for most families and business users: 4MATIC all-wheel drive, a 2.0-litre turbo with 48V mild hybrid, five seats. The 2024 GLC at AED 210,000 is about AED 89,000 below the new GLC price, and the 2023 Coupé at AED 200,000 about AED 143,000 below a new Coupé. Payments run from AED 7,863 a month (Coupé, 20%, 36 months) to from AED 8,256 (2024, 20%, 36 months), where many of our customers land.

V-Class. Seven or eight seats, for big families or moving clients. The 2023 V 250 at AED 160,000 is from AED 6,290 a month and the 2025 V 300s at AED 240,000 from AED 9,435, both with 20% down over 36 months. A company can lease one in its own name with a trade licence, the MOA, the signatory's Emirates ID and a UAE driving licence for each driver; we do not ask a company for bank statements or audited accounts.

AMG G 63. Eight cars from 2022 to 2025, priced AED 650,000 to AED 900,000. A 2022 car at AED 650,000 is from AED 25,554 a month over 36 months after an AED 130,000 first payment; day one is AED 162,500 with the annual payment, and the contract totals AED 1,121,890. With zero down over 24 months it is from AED 40,083 a month. Two of the eight, a 2023 car at AED 650,000 and the 2024 car at AED 700,000, also run 36 months with zero down, from AED 31,056 and from AED 33,444 a month. Our G-Wagon guide covers the G 63 in full.

The term moves the monthly more than anything else, and the total the other way. The 2023 GLC 200 4MATIC Coupé at AED 200,000 (annual payment AED 10,000) on four plans, totals including every annual payment:

• Zero down, 24 months: from AED 12,333 a month. Day one AED 22,333. Total AED 315,992.
• Zero down, 36 months: from AED 9,556 a month. Day one AED 19,556. Total AED 374,016.
• 20% first payment, 24 months: AED 40,000, then from AED 10,296 a month for 23 months. Total AED 296,808.
• 20% first payment, 36 months: AED 40,000, then from AED 7,863 a month for 35 months. Total AED 345,205.

Going from 24 to 36 months with zero down cuts about AED 2,800 a month and adds AED 58,024 to the total: AED 10,000 of it is the third annual payment. Thirty-six months makes the monthly comfortable. It does not make the car cheaper; the lowest total here is 20% down over 24 months.

Check mileage before choosing the long term. The standard allowance is 25,000 km a year, so 75,000 km over 36 months. Packages of 35,000 or 50,000 km a year can be chosen at signing or added mid-term. Without one, each kilometre over costs AED 10, so 2,000 km over is AED 20,000. Dubai to Abu Dhabi and back twice a week is about 30,000 km a year on its own.

Bank car loans sit inside Central Bank rules. Regulation 29/2011, Article 3 caps a car loan at 80% of the vehicle's value, which is where the 20% minimum down payment comes from, and at 60 months, secured by a mortgage over the car. All of a borrower's loan deductions together may not exceed 50% of gross salary and regular income (Article 7 of the same regulation): the debt burden ratio.

What two banks publish in their Key Facts Statements:

• Emirates NBD, fixed-rate auto loan (retrieved October 2026): up to AED 750,000 and 80% of the car's cost, minimum 20% down, 12 to 60 months, an indicative 3.75% to 9.00% a year reducing (APR 4.40% to 9.65%). Processing fee 1.05% (minimum AED 525, maximum AED 2,625); early settlement 1.05% of outstanding principal or AED 10,500, whichever is lower. Approval can take up to 10 business days after complete documents, and the bank holds security over the car.
• Commercial Bank of Dubai (the Key Facts Statement on cbd.ae in October 2026, version dated 19 July 2024): minimum income AED 8,000 a month; salary certificate, three months of statements for new customers and a security cheque; up to AED 500,000 over up to 60 months; 20% down; from 5.50% reducing; for expatriates, a maximum age of 60 at maturity.

And what Gargash advertises on its Dubai site, as of 4 October 2026. These are campaign pages with no end date shown, so check they are still live before you rely on them:

• New-car lease: A-Class from AED 2,599 a month, GLA from AED 2,999, C-Class from AED 3,899, CLE Coupé from AED 4,499, with no down payment and insurance and service included. The page gives no term, mileage, eligibility or end-of-term ownership. Do the arithmetic: even 60 payments of AED 2,599 come to AED 155,940, less than the AED 178,995 the A-Class costs in Gargash's own finance offer. So either a final payment is due or the car goes back. Ask which.
• A-Class finance: from AED 178,995, an instalment from AED 2,499 a month, zero down payment, no payments for six months, five years of service and warranty, terms and conditions apply. An instalment is a loan payment, with a credit approval behind it; Emirates NBD's KFS notes that interest runs from payout even when the first payment is deferred.
• Certified pre-owned, 2024 and newer: A-Class from AED 129,900, C-Class from AED 169,900, GLC from AED 219,900, CLE Coupé from AED 229,900, with up to five years of warranty and service, complimentary insurance and registration, and finance from 1.99%.

Whenever a rate is advertised, ask whether it is flat or reducing. Emirates NBD's own example puts 3.99% reducing as equivalent to 2.134% flat over five years, so the same loan can be marketed with either number.

Usually, if you qualify. Take the 2024 GLC 200 4MATIC at AED 210,000 over 24 months with 20% down on both sides. Insurance and registration are left out of both, because with a bank you buy them yourself and with us they sit in the annual payment:

• Bank, across Emirates NBD's indicative range: AED 42,000 down, an AED 168,000 loan, an instalment of AED 7,277 a month at 3.75% or AED 7,675 at 9.00%, plus an AED 1,764 processing fee. Total AED 218,405 to AED 227,965.
• Our lease: AED 42,000 first payment, then from AED 10,810 a month for 23 months. Total AED 290,630 before annual payments, AED 311,630 with the two annual payments of AED 10,500.

On this car the bank is roughly AED 63,000 to AED 72,000 cheaper. If you are salaried with a clean AECB record, clear the bank's income minimum, have the 20% in cash and can wait a week or two, take the loan. On a GLC in particular, Gargash's certified pre-owned 2024 cars from AED 219,900 with up to five years of warranty and service deserve a serious look.

What the difference buys, for the people who choose us anyway:

• Two documents: Emirates ID and a UAE driving licence. No salary certificate, bank statements, AECB check or minimum income; Commercial Bank of Dubai asks for AED 8,000 a month.
• Speed: a decision usually within 24 hours and keys in one to three business days from the fleet, against up to 10 business days for a bank approval alone.
• Zero down on 12- and 24-month plans on any car in our fleet. A bank loan is capped at 80% of the car's value; dealers run zero-down and down-payment-assistance campaigns on selected new and certified pre-owned cars, but a bank's full credit approval still sits behind the loan.
• Loan caps: Commercial Bank of Dubai lends at most AED 500,000, so an 80% loan on an AED 650,000 G 63 (AED 520,000) is beyond it. Emirates NBD goes to AED 750,000, so check the cap at your own bank. Our lease is not a loan, so no loan cap applies.
• No debt burden calculation, because we do not ask about income.
• Insurance and registration handled, with the annual payment fixed at 5% of the car's price for the term.

It is not an automatic yes: every application is decided individually. But the people this is built for (business owners with irregular income, freelancers, new arrivals without a UAE credit file) are paying for access and speed, not for a better rate.

Routine servicing is yours to pay, along with tyres, fuel, Salik, parking and fines. Mercedes-Benz's UAE schedule, as set out in Gargash's warranty terms, is a service every 15,000 km or 12 months, whichever comes first, at an authorised centre. On a 24-month contract at 25,000 km a year, that is roughly three services, at 15,000, 30,000 and 45,000 km. Our article on the real cost of driving in Dubai prices fuel, Salik and parking.

Warranty is the next question on any used Mercedes. A new car bought from Gargash carries the manufacturer's two-year warranty plus one extra year from Gargash: three years, unlimited mileage, from delivery or first registration, whichever comes first. A car first registered in 2023 is coming out of that cover during 2026, and an imported EU-spec car was never bought from Gargash, so the extra year does not apply to it. Ask what cover remains and see the service history, which we check against dealer records before any car joins our fleet.

Gargash's extended-warranty prices are a fair guide to what Mercedes repairs cost, though they are not something we offer. Cover runs up to 8 years or 160,000 km, requires servicing at Gargash centres, and is priced by model group, VAT included:

• A-Class, B-Class, CLA, GLA, GLB: AED 4,799
• C-Class, GLC: AED 5,399
• E-Class, GLE, CLE, AMG 35: AED 5,999
• S-Class, GLS, G 500, AMG 43, 45 and 53: AED 8,999
• AMG 63 models: AED 11,999

Covering an AMG 63 costs more than twice as much as a C-Class or GLC, a fair picture of parts and labour. Before signing for any Mercedes, ask how a mechanical fault outside routine servicing is handled on that car.

Insurance renewals are rising selectively. Emirates 24|7 reported on 13 July 2026 that increases are concentrated on older and luxury cars that need expensive parts and repairs, as insurers move to risk-based pricing. That is the line our annual payment fixes at 5% of the car's price, minimum AED 8,000, for the term.

Then there is our Bring Your Own programme. You find the car on the UAE market (Dubizzle, a dealer, an auction), listed from AED 150,000 and from the 2023 model year on. We buy it in the company's name, so the lease is priced on the listing plus 5% VAT, with at least 20% down, a term of 12 or 24 months (36 months only case by case), and no final payment.

Typical Bring Your Own Mercedes candidates, listed from AED 150,000, are the GLE, GLS, S-Class, CLE and AMG models, or a newer C-Class or GLC than ours. Fully electric cars do not qualify, which rules out the EQA, EQB, EQE and EQS, the electric G-Class and any other fully electric version. Hybrids, including plug-ins and 48V mild hybrids, are fine.

Before we agree to buy a Bring Your Own car listed from AED 150,000, it passes our compliance check: a technical inspection of condition and service history, and legal checks on the car and its paperwork. Keys usually follow five to seven business days after you send the link.

A worked Bring Your Own example with an illustrative listing well above the AED 150,000 floor: a 2023 GLE listed at AED 300,000 becomes a base of AED 315,000 with VAT, and no plan has a final payment:

• 20% first payment, 24 months: AED 63,000, then from AED 16,216 a month for 23 months. Day one AED 78,750, including the AED 15,750 annual payment. Total AED 467,468.
• 30% first payment, 24 months: AED 94,500, then from AED 14,189 a month. Day one AED 110,250. Total AED 452,347.
• 20% first payment, 12 months: AED 63,000, then from AED 28,407 a month for 11 months. Total AED 391,227.

At the Bring Your Own floor, a car listed at AED 150,000 has a base of AED 157,500 with VAT: from AED 8,108 a month over 24 months with 20% down, AED 39,500 on day one, no final payment. If your budget is below that, a car from our own fleet will fit better.

None of these rules is unique to Mercedes, but they come up more with these cars. Each follows from two facts: the car is registered to us for the whole term, and its comprehensive cover is an ordinary UAE motor policy that excludes what those policies exclude.

• G-Class: no off-road or desert driving. However capable the car is, the insurance does not cover it, and whatever happens out there is yours to pay for.
• AMG: no track days or any timed event. Engine tuning and ECU remaps are not allowed either. Wraps, paint protection film and tint are fine.
• No driving outside the UAE, Oman included.
• Towing is allowed, on a V-Class or G-Class for example, with the right licence category. Tell us in advance, because it may add an insurance charge.
• No smoking or vaping in the car.
• Missed payments: seven days' grace after the due date. From day eight the car is immobilised through its GPS until the balance is settled, and we contact you before that happens.

Our article on what you can and cannot do with a leased car gives the reason behind each rule.

A Mercedes on lease-to-own with us is the wrong choice if:

• You are salaried, bankable and want a new car. The dealer or a bank loan costs less, as the GLC numbers show.
• The monthly, plus an annual payment of AED 8,000 or more, plus servicing, is a stretch. Pick a cheaper car or wait. Most of our customers pay from roughly AED 7,000–10,000 a month and up, and a thin margin is how leases go wrong.
• The lowest total cost is your only goal. Cash, or a bank loan if you qualify, costs less over the life of the car.
• You drive well over 25,000 km a year and will not buy a mileage package.
• You want the desert or a track. A leased car is the wrong tool for either.

If none of that applies, starting is short:

• Send your Emirates ID and UAE driving licence. Nothing about income.
• A decision usually comes within 24 hours.
• Take a fleet car and get the keys in one to three business days, or send a market listing for Bring Your Own (from AED 150,000, 2023 or newer, no final payment) and allow five to seven business days.
• Monthly payments go out on the 1st or the 15th, by post-dated cheques or standing order.

Four questions to ask before you sign, with us or anyone else:

• What is the itemised amount I pay on day one?
• What is the total contract value, including every annual payment?
• What is the buyout figure at month 12? In writing.
• Which mileage package is included, and what does each kilometre over it cost?

What is the cheapest Mercedes I can lease in Dubai?

In our fleet on 4 October 2026, a 2023 CLA 250 at AED 105,000: from AED 4,128 a month over 36 months with a 20% first payment and no final payment. A 2023 A 180, also at AED 105,000, is from the same AED 4,128 a month over 36 months. Add the annual payment for insurance and registration, which is AED 8,000 on both cars. With the annual payment and servicing, most of our customers end up paying from roughly AED 7,000–10,000 a month.

Can I lease a Mercedes with zero down payment in Dubai?

Yes. Every Mercedes in our fleet is available with zero down on 12- and 24-month plans, and selected cars on 36 months. Zero down is not zero on day one: you pay the first monthly plus the annual payment, AED 16,017 on a 2023 C 200 over 24 months. That contract costs AED 12,492 more in total than with a 20% first payment.

Is insurance included in the monthly Mercedes lease payment?

No. Comprehensive insurance and RTA registration are covered by a separate annual payment of 5% of the car's price, minimum AED 8,000, fixed for the term. GPS tracking is fitted at no charge. Routine servicing, fuel, Salik and fines are yours.

Do I need a salary certificate or a credit check to lease a Mercedes?

No. We ask for two documents: your Emirates ID and a UAE driving licence, with no salary certificate, bank statements, AECB check or minimum income. Each application is still reviewed individually, and the decision usually comes within 24 hours.

Is a Mercedes lease-to-own cheaper than a bank car loan?

Not if you qualify for the loan. On an AED 210,000 GLC over 24 months with 20% down, a loan across Emirates NBD's indicative 3.75% to 9.00% range costs roughly AED 63,000 to AED 72,000 less than our lease, without insurance and registration on either side. People lease with us for access and speed: two documents, zero down on 12- and 24-month plans and a decision usually within 24 hours.

Can you get me a Mercedes that isn't in your fleet, like a GLE or S-Class?

Yes, through Bring Your Own: the car must be listed on the UAE market from AED 150,000 and be a 2023 model or newer. Fully electric EQ models do not qualify; hybrids do. The lease is priced on the listing plus 5% VAT, with at least 20% down, 12 to 24 months (36 only case by case) and no final payment, and keys usually take five to seven business days.

Are the Mercedes in your fleet GCC-spec?

Not all of them. On 4 October 2026, seven of our 29 Mercedes are EU-spec imports, including the E 200 and three of the G 63s, and the car page says so. The first practical difference to check is warranty: an imported car was not sold by Gargash, so Gargash's extra warranty year does not apply.

Who pays for servicing on a leased Mercedes?

You do. The UAE schedule is every 15,000 km or 12 months, whichever comes first, at an authorised centre, which means roughly three services over a 24-month, 50,000 km contract. Neither the monthly nor the annual payment covers routine maintenance.

Can I take a leased G-Class into the desert or an AMG on a track?

No. Off-road and desert driving, track days and any timed event are not permitted, because the comprehensive insurance does not cover them. Driving outside the UAE is not permitted either. Towing is allowed with the right licence category if you tell us in advance.

Can I buy the Mercedes out early?

Yes, at any time, with no early buyout penalty. The car transfers to your name once the contract is paid in full. Ask for the buyout figure in writing for the month you have in mind.

How is a Mercedes dealer lease different from lease-to-own?

Gargash advertises new-car leases from AED 2,599 a month for an A-Class, with no down payment and insurance and service included, but the page does not state the term, the mileage or whether you own the car at the end. Even 60 payments at that level fall short of the car's price, so expect either a final payment or a hand-back. With our lease-to-own, the car is yours after the last payment.