Islamic Finance
Islamic Car Finance in Dubai
Sharia-compliant car financing through ADIB and Dubai Islamic Bank. Murabaha-based — no conventional interest.
Get Islamic Finance Quote →What is Murabaha?
Murabaha is a Sharia-compliant financing structure where the bank purchases the asset and sells it to you at a pre-agreed profit margin. There is no conventional interest charged.
The bank buys the car on your behalf, then sells it to you for an agreed markup. You pay in fixed monthly installments — the total cost is transparent and fixed from day one.
This is fundamentally different from a conventional loan: there is no interest calculation, no floating rates, and no compounding. The profit margin is agreed upfront.
How Islamic Car Finance Works
1
You Choose a Car
Browse our fleet, partner dealers, or find any car on Dubizzle — we source everything.
2
We Submit to the Bank
Our managers prepare and submit your application to ADIB or Dubai Islamic Bank.
3
Bank Purchases the Car
The bank buys the car and sells it to you at an agreed profit margin (Murabaha).
4
You Drive Away
Fixed monthly payments with full ownership at the end. No surprises, no floating rates.
Our Islamic Finance Partners
ADIB (Abu Dhabi Islamic Bank)
- ✓ Murabaha car financing
- ✓ Corporate fleet financing available
- ✓ Competitive profit rates
- ✓ Available for UAE residents and non-residents
Dubai Islamic Bank (DIB)
- ✓ Fully Sharia-compliant auto finance
- ✓ Up to 48-month repayment term
- ✓ Flexible down payment options
- ✓ Fast approval for salaried and self-employed
Frequently Asked Questions
Is this real Islamic finance or just a label?
This is genuine Murabaha financing through ADIB and DIB — both are fully regulated Islamic banks supervised by their own Sharia boards.
What documents do I need?
Emirates ID, valid UAE Visa, salary certificate or trade license, and 3–6 months bank statements. Our manager will guide you through everything.
Can I finance any car or only from your fleet?
Any car — our fleet, partner dealers, or bring your own from Dubizzle / auction. We handle the sourcing and inspection.
How is it different from conventional finance?
In Murabaha, the bank buys the car and sells it to you at a fixed markup. There is no conventional interest rate. The total cost is fixed and transparent from day one.
Does Islamic finance affect my AECB record?
Yes, like conventional loans, Islamic finance appears on your AECB credit record. If credit impact is a concern, consider our lease-to-own option which does not affect AECB.
Get Islamic Finance Today
Our team handles everything from application to approval. Just tell us what car you want.