How to get a car in Dubai without a bank loan
You can. With lease to own you buy the car from its owner in monthly payments, and no bank is involved. At Gleeven you pay 10 percent of the price when you sign, from AED 7,600, then 12 or 24 monthly payments. After the last payment the car is yours.
Updated 29 October 2026
Why banks say no, even when you can pay
A bank car loan in the UAE usually needs a salary certificate, often a salary transfer to that bank, and a credit history the bank likes. Many people who earn well do not fit: people on a trade licence, people paid partly in cash, people new in the country, people whose employer is not on the bank's list. The bank is not saying you cannot pay. It is saying your papers do not fit its form.
Four ways to get a car without a bank
- Pay cash. The cheapest way if you have the money. The car is yours from day one.
- Lease to own from the car's owner. You pay part of the price at the start and the rest monthly, straight to the seller. The car is yours after the last payment. This is what Gleeven does.
- Instalments from a dealer. Some dealers sell their own cars in instalments. Ask what they need from you, how long the plan is and what you pay in total.
- Long term rental or a subscription. Easy to start, but the car is never yours. You give it back at the end.
| Cash | Gleeven lease to own | Long term rental | |
|---|---|---|---|
| Bank needed | No | No | No |
| Money at the start | The full price | 10 percent of the price | Usually a deposit or the first month |
| Monthly payments | None | 12 or 24 | For as long as you rent |
| Yours at the end | Yes, from day one | Yes, after the last payment | No |
How it works at Gleeven
- Pick a car on this site and message us on WhatsApp. We send more photos and the mileage.
- See the car in Dubai and test drive it. Visits are every day from 10 am to 12 midnight.
- Read the contract. The price, every payment and its date are written in it, in English and Arabic.
- Sign and pay 10 percent of the price. You take the car the same day.
- Pay the 12 or 24 monthly payments.
- After the last payment the car goes to your name at RTA, within 15 days.
The cars are sold by their owner, LAAS Car Rental L.L.C, a licensed car rental company in Dubai, Al Quoz 3, Dubai. Gleeven arranges the sale. Until the last payment the car stays registered to the seller.
What you need
- An Emirates ID, or a passport with a UAE residence visa.
- A UAE driving licence.
We do not ask for a salary certificate, bank statements or a bank approval. We tell you the full list for your car before you sign. Buying is not possible on a tourist visa or with only a foreign driving licence. Every deal is agreed one by one, so we cannot promise a yes before we talk.
What it costs
Over 12 months you pay exactly the car price: the 10 percent and the 12 payments add up to it. No interest, nothing added. Over 24 months each payment is lower and the total is higher, and we send you that total before you sign.
Insurance is included in the price. On top you pay what you would pay for your own car: fuel, Salik, traffic fines, service and repairs, like with your own car, and the RTA fee when the car goes to your name.
Cars you can get without a bank today
- Audi A3 Premium Plus 2022: AED 9,000 down payment, then 24 payments of AED 3,375, or AED 7,600 down and 12 payments of AED 5,700
- Audi A4 S line 2022: AED 11,400 down payment, then 24 payments of AED 4,275, or AED 9,600 down and 12 payments of AED 7,200
- Infiniti Q60 2022: AED 13,100 down payment, then 24 payments of AED 4,913, or AED 11,100 down and 12 payments of AED 8,325
- Ford Mustang Convertible 2024: AED 19,400 down payment, then 24 payments of AED 7,275, or AED 16,300 down and 12 payments of AED 12,225
- BMW 230i 2022: AED 21,000 down payment, then 24 payments of AED 7,875, or AED 17,700 down and 12 payments of AED 13,275
- Infiniti QX80 2023: AED 24,300 down payment, then 24 payments of AED 9,113, or AED 20,500 down and 12 payments of AED 15,375