Own Your Dream Car

Experience seamless, Shariah-compliant Vehicle Finance with Emirates Islamic Intaleq, designed to help you own your dream car easily and drive home with confidence.

Key Benefits

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Competitive Profit Rates

Enjoy profit rates starting from 2.49% (equivalent to 4.72% reducing p.a.) for UAE Nationals and 2.65% (equivalent to 5.01% reducing p.a.) for expatriates.

Flexible Payment Periods

Enjoy extended and flexible payment periods of up to 5 years.

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High Finance Amounts

Auto Finance amount available upto  1.5 M. Terms and Conditions Apply.

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Terms and conditions apply.
Profit rates may vary and are subject to bank policy.

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Auto Finance Features

Emirates Islamic Auto Finance offers Shariah-compliant solutions for every car and budget.

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New Auto Finance

Profit rates starting from as low as 2.49%* flat p.a. for UAE Nationals (equivalent to 4.72% reducing p.a.) and 2.65%* flat p.a. for expatriates (equivalent to 5.01% reducing p.a.).

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Certified Pre-Owned Auto Finance

Profit rates starting from as low as 3.19%** flat p.a. (equivalent to 5.98% reducing p.a.).

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Used Auto Finance

Profit rates starting from as low as 3.19%** flat p.a. (equivalent to 5.98% reducing p.a.).

*New Car Starting rates are available for salary transfer customers with monthly salary of AED 50,000.

**Used Car Starting rates are available for customers with monthly salary of AED 10,000.

Why Choose Emirates Islamic Auto Finance

Competitive Profit Rates

Attractive vehicle finance options

Flexible Payment Period

Plans that adapt to your needs

Simple and Fast Process

Quick approvals with minimal steps

Wide Range of Vehicle Options

Finance new, certified pre-owned, or used

Shariah-Compliant Structure

Ethical and transparent Murabaha

Subvention Variant

Support for additional costs

No Salary Transfer Required

Apply without salary transfer

Murabaha structure

Ethical, Transparent & Shariah-Compliant

Documentation Required

To ensure a smooth and efficient application process, please prepare the required documents.

  • Salary certificate or documented evidence of income
  • 3 months bank statements for your salary account (not required if your salary is already being transferred to Emirates Islamic)
  • Copy of valid passport with valid UAE Residence Visa, the latter is applicable for expatriates only (Originals required for verification)
  • Post-dated cheques (if applicable)
  • Security Cheque
  • Comprehensive Islamic vehicle takaful
  • A quotation or pro-forma invoice from the dealer for new vehicles

  • Salary certificate or documented evidence of income
  • 3 months bank statements for your salary account (not required if your salary is already being transferred to Emirates Islamic)
  • Copy of valid passport with valid UAE Residence Visa, the latter is applicable for expatriates only (Originals required for verification)
  • Post-dated cheques (if applicable)
  • Security Cheque
  • Comprehensive Islamic vehicle takaful
  • A quotation or pro-forma invoice from the dealer for new vehicles
  • A valuation certificate issued by an Emirates Islamic approved dealer
  • An ownership title
  • A quotation or offer to sell to the bank from the current vehicle owner
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Things to Remember

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Factors such as credit history, documentation, and the ability to pay the finance amount can contribute to vehicle finance approval.

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If the Auto Finance is in your name, you need to be present at the time of receiving the vehicle.

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The maximum Auto Finance amount available is AED 1.5 M. Terms and Conditions Apply.

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The processing fees is 1.05% of the finance amount, with a minimum of AED 525 and a maximum of AED 2,625.

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takaful compliance is a condition for financing.

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The grace period for the 1st instalment is up to 60 days.

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You cannot buy-out your vehicle finance.

Apply for Emirates Islamic Auto Finance

Find out if you’re eligible and choose the most convenient way to apply, online or at your nearest Emirates Islamic branch.

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Eligibility

  • If you are a UAE national or a resident of the UAE who fulfils the necessary requirements, you are eligible for the Emirates Islamic Auto Finance.
  • Click here to find out if you pre-qualify for an Emirates Islamic Auto Finance.
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How to Apply

There are two ways you can apply for Auto Finance:


  1. Apply for Auto Finance online by clicking here, providing all the required details and submitting them.
  2. Visit your nearest Emirates Islamic Bank.

Our Payment Solutions

Mobile Banking
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A simplified and enhanced app with over 200 new features.
Phone Banking
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Manage your finances by simply calling our 24/7 Call Centre.
Online Banking
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Convenient banking from anywhere in the world, 24/7.
Other Methods
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Connect with the Emirates Islamic Bank to discuss other payment methods.

Frequently Asked Questions

Once we have all the information that we require to assess your application, decision process takes around 4 hours. Post approval, once the paperwork with the dealership is complete, you can drive your car as soon as the same day.

Yes. Emirates Islamic allows you to finance Takaful, Accessories, and VAT as part of your Auto Finance.

Yes, the vehicle can be registered in the name of a spouse, however, this requires spouse to be a co-applicant. Terms and Conditions.

Yes. You can avail up to two non-consecutive deferments per finance cycle year, where one cycle is counted as one year from the date of your first EMI. A nominal fee of  105 (inclusive of VAT) applies per deferment request.

Yes. Emirates Islamic banking customers may request an EMI date change through Call Center. Non-banking customers are required to visit the nearest Branch to request an EMI date change. EMI date change is subject to credit approval. A fee of  26.25 (inclusive of VAT) and Terms and Conditions apply.

The maximum payment tenor is 60 months (5 years)

Yes. Every time you apply for finance, the bank checks your Credit Report. The more times your Credit Report is pulled, the more it can negatively impact your credit score. Additionally, if you have a history of missed payments, your chances of getting approved are significantly reduced. However, a recently improving credit score can work in your favor.

  • The two differ in structure, principle, and how payments are treated:
  • Structure: An Auto Loan is money borrowed and repaid with interest over multiple years. Auto Finance, on the other hand, is a Shariah-compliant contract where the bank sells an asset at a profit. Since Islamic Banks are prohibited from charging interest, this product is completely Riba-free.
  • Instalments: In a Conventional Bank, instalments represent repayment of a previously taken loan. In an Islamic Bank, instalments represent payment of the sale price, lease rentals, or service charges.
  • Late Payment: In a Conventional Bank, late payments result in a penalty that becomes additional profit for the bank. In an Islamic Bank, the customer commits to donating an extra amount to a charity approved by the bank's Internal Shariah Supervision Committee, and the bank does not benefit from it.

Yes. Emirates Islamic offers a pre-approval option, so whether you are still researching or have already chosen your vehicle, you are covered. You can check your eligibility through a quick online form and expect a callback from an Auto Finance Expert within 24 hours.

The minimum payment tenor is 12 months.
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What our customers are saying

"The finance approval time was very good. They have approved the finance within 2 or 3 days."
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