Reliable financing partners

ArabiyaCars is your trusted partner, collaborating with leading banks across the UAE to bring you reliable and secure financing options.

Used Car Loan EMI Calculator

Auto Loan Calculator

Use our loan calculator to calculate payments over the life of your loan. Enter your information to see how much your monthly payments could be. You can adjust length of loan, down payment and interest rate to see how those changes raise or lower your payments.
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OUR LENDING PARTNERS

At ArabiyaCars, we proudly partner with leading banks such as Dubai Islamic Bank (DIB), Abu Dhabi Commercial Bank (ADCB), Emirates NBD (ENBD), and many others to offer you the best in car financing and insurance options. Our commitment goes beyond just connecting you with these trusted financial institutions; we help you find the safest, pre-inspected used cars, ensuring peace of mind with every purchase. From securing the most competitive financing rates to processing all necessary paperwork and issuing valuation certificates, we handle it all—free of charge. Your satisfaction and convenience are our top priorities.

75% of customers choose ArabiyaCars financing when purchasing their vehicles.

Loan Process

Get your loan in 3 easy steps

Once your test drive is completed pay token amount to reserve that car.

Provide the necessary documents requested by the bank to process your loan application.

Our finance team collaborates closely with your preferred bank to expedite the approval process.

Documents Required To Process Your Car Loan

General documents

  • Passport
  • Emirates ID
  • Visa
  • Consent Form 1 & 2 (AECB Form)

For self-employed customers

  • Trade licence
  • EMoA (Memorandum of Association)
  • VPoA (Power of Attorney) for Authorised Signatory
  • VAT Certificate
  • 6 month bank statement

For salaried customers

  • 3 months bank statement
  • 3 months payslip
  • Salary certificate

Your data is 100% safe with us

How to get zero downpayment?

  • You can use your existing/apply for a new EIB credit card for DP assistance.
  • You can go through Commercial Bank of Dubai to finance your entire car amount.
  • Our Finance team will share further details and options.

FAQs FOR USED CARS IN DUBAI

Everyone who is eligible for a loan is also eligible for a Zero downpayment. Once you apply for a loan, the bank will assess your eligibility basis your monthly income, DBR and other factors, and finance upto 80% of the total vehicle cost.

Yes. You can still apply for a loan if you already have a running loan. However, in this case, the maximum monthly EMI you can avail will change depending on the running loan monthly EMI. You can check your eligibility in our calculator section above.

Yes. If unfortunately, you do not meet the requirements for the loan, an immediate family member can apply for a loan for your car.

Interest rate is a rate that the bank charges on the loan availed by the customer, and is calculated on the full original loan amount for the whole term without taking into consideration the periodic payments. In other words, interest is charged on the full amount of the loan throughout its loan tenure.

The interest rates are different for auto loans and personal loans and may vary from month to month. Your Relationship Manager will help you with the applicable interest rates based on your profile and choice of bank.

The minimum salary requirement for a loan depends on the individual banks. Generally, it varies from AED 3000-6000 per month depending on if you are salaried/self-employed, and a banking/non-banking customer with the bank etc.