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Lease to own in Dubai: questions and answers

Short answers to what people ask us most. The rules come from the contract you sign with the seller, LAAS Car Rental L.L.C. If your question is not here, ask us on WhatsApp.

Updated 29 October 2026

The plan

What is lease to own? +
You pay 10 percent of the price when you sign, then 12 or 24 monthly payments. You drive the car from the day you sign. The car stays registered to the seller, LAAS Car Rental L.L.C, until the last payment, and then it is transferred to you. No bank loan.
How much do I pay at the start? +
10 percent of the car price, when you sign the contract. On the cars we have today that is from AED 7,600. It is part of the price, not a fee and not a separate deposit.
Can I lease to own a car without a down payment or a deposit? +
No. Every car needs 10 percent of its price at the start, from AED 7,600 today. There is no separate deposit on top, the 10 percent is part of the price.
How many months can I pay over? +
12 or 24 months on every car. Over 24 months each payment is lower and the total is higher. 24 months is the longest plan.
Is there interest? What is the total? +
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.
Is there a big payment at the end? +
No. The last monthly payment is the last payment. After it the car is yours.
Is this a bank loan? +
No. There is no bank in this. You buy the car from its owner and pay the seller directly under a written contract.
Can I buy a car on instalments without interest? +
Yes, over 12 months. The 10 percent and the 12 payments add up to the car price, so there is no interest.
Can I pay with Tabby? +
You do not need Tabby or a bank for this. The plan itself is the instalments: you pay the seller directly under the contract, at the seller's office, by bank transfer or by card.

Documents

What documents do I need to buy? +
An Emirates ID, or a passport with a UAE residence visa, and a UAE driving licence. 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.
Do I need a salary certificate or a salary transfer? +
No. We do not ask for a salary certificate, a salary transfer, bank statements or a bank approval.
Do I need bank statements? +
No. We do not ask for bank statements.
I am self-employed on a trade licence. Can I buy? +
Yes. A salary certificate is not needed. You need an Emirates ID and a UAE driving licence, and we tell you the full list before you sign. More for self-employed people
Can I buy on a tourist visa? +
No. Buying needs a UAE residence visa and a UAE driving licence.
Will everyone be approved? +
Every deal is agreed one by one, so we cannot promise a yes before we talk.

Money

Can I pay it off early? +
Yes. You can pay off what is left at any time, and you get 10 percent off the amount that is left.
What if I miss a payment? +
You get a written notice and then 7 days to pay. If it is still not paid, the seller can end the contract and take the car back. If a month looks hard, talk to us before the payment is due.
What else do I pay for? +
Fuel, Salik, traffic fines, service and repairs, like with your own car, and the RTA fee when the car goes to your name.
Is insurance included? +
Yes. Comprehensive insurance is included in the price, in the seller's name until the car goes to your name. You pay the excess and any damage the insurance does not cover.
Can I return the car before the end? +
Yes, you can return the car at any time. You get back 20 percent of the monthly payments you made, minus fines or damage, within 14 days. The 10 percent and the other 80 percent count as payment for using the car.
Is it better to buy or lease a car in Dubai? +
If a bank lends to you and you want a low monthly payment over several years, compare its total with ours. If you want no bank and no interest, lease to own fits. Lease to own or a bank car loan

Owning and using the car

When is the car mine? +
After the last payment: the 12th, or the 24th on the 24 month plan. The car stays registered to the seller, LAAS Car Rental L.L.C, until your last payment. Within 15 days after it, the car is transferred to your name at RTA. You pay the RTA transfer fee.
Who owns the car during the plan? +
The car stays registered to the seller, LAAS Car Rental L.L.C, until your last payment. Within 15 days after it, the car is transferred to your name at RTA. You pay the RTA transfer fee.
Is there a mileage limit? +
Up to 5,000 km a month is included. Above that you pay AED 0.50 per km.
What happens if I damage the car? +
Tell the police and the seller at once. The insurance pays what it covers, you pay the excess and the rest, and the monthly payments continue during the repair.
Who can drive the car? +
You, and drivers the seller approves in writing. Every driver needs a UAE driving licence.
What am I not allowed to do with the car? +
Until the last payment you cannot sell the car, rent it out or give it to someone else, change anything on it without the seller's OK, or smoke in it.

Seeing the car

Can I see and test drive the car first? +
Yes. You see the actual car in Dubai and test drive it with a UAE driving licence before you sign or pay anything. Visits are every day from 10 am to 12 midnight, we send the location on WhatsApp.
Can I take the car the same day? +
Yes. You take the car the day you sign.
What is the mileage of the cars? +
Ask us on WhatsApp about the car you like and we send the exact mileage and fresh photos.
Who sells the cars? +
LAAS Car Rental L.L.C, a licensed car rental company in Dubai, Al Quoz 3, Dubai. They own the cars and sign the contract with you. Gleeven arranges the sale.
What language is the contract in? +
In English and Arabic. We send it to you to read before you sign.

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