Lease to own a car in the UAE without a bank
Yes, it is possible. You buy the car from its owner in monthly payments, so no bank decides. With Gleeven you need an Emirates ID and a UAE driving licence, and you pay 10 percent of the price when you sign, then 12 or 24 monthly payments.
Updated 29 October 2026
How it works without a bank
A bank lends you money and owns a lien on the car until you pay it back. Without a bank, the seller keeps the car in its own name until your last payment. That is the security. Then the car goes to your name.
- 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.
For residents of every emirate
The cars and the contract are in Dubai. People from Sharjah, Ajman, Abu Dhabi and the other emirates come to Dubai to see the car, test drive it and sign, and drive the car home the day they sign.
What we do not ask for
- No salary certificate.
- No salary transfer.
- No bank statements.
- No bank approval.
To buy you need 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. Every deal is agreed one by one, so we cannot promise a yes before we talk.
What you pay
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. Fuel, Salik, traffic fines, service and repairs, like with your own car, and the RTA fee when the car goes to your name.
Who it does not suit
- Visitors on a tourist visa or with only a foreign driving licence.
- People who want the lowest monthly payment over five years: the plan here is short, so each payment is higher.
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