Lease-to-Own
Lease to Own a Car in Dubai — Without a Bank
Fixed monthly payments. No credit check. No bank approval. At the end of your lease, the car is yours — free and clear. 46+ vehicles from 10 brands, with a decision in 24 hours.
How It Works
Choose Your Car
Browse 46+ vehicles in our catalog or send us a link to a car on the UAE market listed from AED 150,000 (2023 or newer) through our Bring Your Own Car program.
Apply Online
Send two documents: your Emirates ID and your UAE driving licence. No bank involved. No salary transfer required. No credit bureau check.
Get a Decision in 24h
We assess your application ourselves and answer within 24 hours. No credit committee. No waiting.
Start Driving
Vehicle handover in 1–3 business days. The monthly payment covers the car; insurance, registration and paperwork come as one annual fee.
Own It
At the end of your 12–36 month term, the car transfers to your name. Clean title. No lien. You own it outright.
What's Included in Every Payment
- Full comprehensive insurance — managed and paid by DYD
- Vehicle registration and annual renewal
- Vehicle security and immobilization system
- Roadside assistance across the UAE
- All administrative fees and paperwork
- Zero early payoff penalty — settle anytime
DYD Lease-to-Own vs. Bank Auto Loan
| Bank Auto Loan | DYD Lease-to-Own | |
|---|---|---|
| Credit check | Required (ECB) | Not required |
| Decision time | 2–4 weeks | 24 hours |
| Down payment | 20–30% | 20–50% (0% on selected fleet cars, 12–36 months) |
| Insurance | Arrange yourself | In annual fee |
| Registration | Your responsibility | In annual fee |
| Early payoff | 1–3% penalty | Zero penalty |
| New residents | Usually rejected | Welcome from day one |
| Freelancers | Difficult | No problem |
| Vehicle choice | Dealer partnerships only | Our fleet, or UAE market cars from AED 150,000 |
Who Is Lease-to-Own For?
Lease-to-own is designed for people the banking system underserves — but it's also for anyone who values speed, simplicity, and transparent pricing.
New UAE Residents
No credit history? No 6-month salary record? No problem. We say yes from day one of your visa. Any nationality.
Freelancers & Self-Employed
Banks penalize irregular income and want payslips to prove otherwise. We ask for an Emirates ID and a UAE driving licence, and take our comfort from the car and the down payment.
Business Owners
Keep your capital working. Lease-to-own lets you drive a premium vehicle without freezing cash reserves.
Anyone Who Wants Simplicity
One payment. Everything included. No bank visits, no insurance brokers, no RTA queues. We handle it all.
Available for Lease-to-Own
Insurance, registration and servicing are handled by us and billed once a year.
- Chevrolet Traverse 2023from 2,949 AED per month0% down · 12–36 mo (on a 12-, 24- or 36-month plan)
- Mercedes-Benz E-Class 2022from 3,538 AED per month0% down · 12–36 mo (on a 12-, 24- or 36-month plan)
- Mercedes-Benz A-Class 2023from 3,648 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Mercedes-Benz A-Class 2023from 3,648 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Mercedes-Benz A-Class 2023from 3,648 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Mercedes-Benz CLA 2023from 4,128 AED per month0% down · 12–36 mo (on a 12-, 24- or 36-month plan)
- Mercedes-Benz CLA 2024from 4,169 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Mercedes-Benz C-Class 2023from 4,325 AED per month0% down · 12–36 mo (on a 12-, 24- or 36-month plan)
- Mercedes-Benz A-Class 2024from 4,343 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Audi TT 2023from 4,517 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Mercedes-Benz C-Class 2023from 4,517 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Mercedes-Benz C-Class 2023from 4,517 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Mercedes-Benz C-Class 2023from 4,517 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Mercedes-Benz CLA 2025from 5,307 AED per month0% down · 12–36 mo (on a 12-, 24- or 36-month plan)
- Mercedes-Benz V-Class 2023from 5,559 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Nissan Patrol 2023from 5,906 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Nissan Patrol 2023from 5,906 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Chevrolet Tahoe 2023from 6,254 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Chevrolet Tahoe 2023from 6,254 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Nissan Patrol 2024from 6,427 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Nissan Patrol 2024from 6,427 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Nissan Patrol 2024from 6,427 AED per month0% down · 12–24 mo (on a 12- or 24-month plan)
- Mercedes-Benz GLC 2023from 6,880 AED per month0% down · 12–36 mo (on a 12-, 24- or 36-month plan)
- Mercedes-Benz GLC 2023from 6,880 AED per month0% down · 12–36 mo (on a 12-, 24- or 36-month plan)
Lease-to-Own — FAQ
What is lease-to-own?
Lease-to-own is a commercial lease with a purchase option. Drive Your Dream buys the car and owns it; you make fixed monthly payments for the use of it over 12–36 months. After the last monthly payment the car transfers to your name. It is not a loan and not finance.
How is it different from renting?
Renting has no ownership component — you pay to use the car and return it. Lease-to-own carries a purchase option: every payment moves you toward taking ownership at the end of the term. At the end of your contract, the vehicle is yours.
Do I need a bank or a credit check?
No. Drive Your Dream does not check the Etihad Credit Bureau (ECB) and does not require bank approval. We assess the application ourselves — our security is the car, which stays in our name for the term, and the down payment you put in.
What documents do I need?
Two: a valid Emirates ID and a valid UAE driving licence. There is no salary certificate and no separate visa copy — an Emirates ID is not issued without a residence visa. We still review every application ourselves; what stands behind the deal is the car, registered to us for the whole term, and your down payment.
How fast is the decision?
Most applications are processed within 24 hours. No bank credit committee, no waiting — once you have a decision, vehicle handover typically happens within 1–3 business days.
Is insurance included?
Yes. Comprehensive insurance, vehicle registration, and admin & paperwork are covered. Insurance and registration are billed as an annual renewal fee. No separate insurance policy to manage.
Can I pay off early?
Yes — at any time with zero penalty. Pay off the remaining payments and the car transfers to your name immediately.
What happens if I miss a payment?
7-day grace period. After that, the vehicle may be recovered until the balance is cleared. We always contact you first to find a solution.
What cars are available for lease-to-own?
Our full fleet of 40+ vehicles from 10 brands. Economy sedans to luxury SUVs, from Nissan to Lamborghini. You can also Bring Your Own Car: a car on the UAE market listed from AED 150,000, model year 2023 or newer.
Are there restrictions on how I use the car?
Yes, and we publish them rather than burying them. Off-road and desert driving is not permitted, because standard UAE comprehensive policies commonly exclude off-road use. Track days and any timed event are not permitted either — circuit use is an explicit exclusion in virtually every motor policy. Towing a trailer, boat or jet ski is fine if you hold the correct licence category, though it may carry an additional insurance charge, so tell us first. The vehicle cannot leave the UAE: any car the driver does not own outright needs an NOC from its legal owner to cross a border, and banks typically demand a deposit equal to the full outstanding balance plus about 2% to issue one. Mileage is 25,000 km a year, with 35,000 and 50,000 km packages available.