Zero Down Payment Car Offers in the UAE: What They Really Mean
If you are looking for zero down payment car offers in the UAE, the short answer is this: almost all of them come from banks and dealers, and they ask for a salary transfer, a salary certificate and a credit bureau check. Gleeven is a different route in Dubai, rent-to-own with no bank, but there is a payment at the start, because that payment is what buys the car you pick.
What "zero down payment" usually means here
When a bank or a dealer in the UAE advertises zero down payment, they mean the bank finances the full price of the car, or close to it. You do not pay 20 percent at the start. Instead you pay it back inside the monthly instalments, with interest.
To get that, the bank normally wants:
- A salary certificate from your employer
- Salary transfer to that bank, or a higher rate if you do not transfer
- A credit bureau (AECB) report with a clean record
- Some months of history in the country, and often a minimum salary
If you have all of that, a bank loan is often the cheapest way to own a car in the UAE. We will say that plainly. If you are self-employed on a trade licence, paid without a salary transfer, new in the country, or you have an old file at the bureau, that is where the zero down payment offer stops working for you.
What Gleeven asks for, stated plainly
Gleeven is rent-to-own in Dubai. You pick a car from our stock, you pay a part of the car price at the start, then you pay a fixed amount every month for 24 or 36 months depending on the car. At the end the car is transferred to you.
Two things we want you to read carefully, because they answer the search you just made:
- There is a payment at the start. It is not a deposit and it is not held. It goes towards buying the car you chose. We do not offer a zero down payment plan.
- There is nothing else on top. No deposit, no admin fee, no hidden charge. The starting payment and the monthly payment are the whole plan.
The starting payment is different for every car, and so is the monthly payment and the term. Both live on the car listing on gleeven.com with the current stock, and they change as cars move. That is why you will not find a number in this article.
There is also no balloon payment and no final lump sum. The last monthly payment is the last payment.
Bank loan with zero down payment, compared with Gleeven
| Point | Bank car loan (including 0% down offers) | Gleeven rent-to-own |
|---|---|---|
| Who decides | The bank | Gleeven, from our own stock |
| Payment at the start | Sometimes none, sometimes 20% | Yes, a part of the car price, shown per car on the site |
| Credit bureau (AECB) check | Yes | Not checked |
| Salary certificate or salary transfer | Usually required | Not required |
| Term | Often up to 60 months | 24 or 36 months depending on the car |
| Insurance and servicing | You arrange and pay separately | Inside the monthly payment on most plans |
| End of term | Car is yours once the loan closes | Car is transferred to you after the last monthly payment |
| Total cost | Usually lower if you qualify | Higher than a bank rate, and open to people a bank refuses |
Read the last row again. A bank is cheaper for a person who qualifies. Gleeven exists for the person who does not, or who does not want to open a file with a bank at all.
What is inside the monthly payment, and what is not
On most of our plans, the monthly payment includes comprehensive insurance and the agreed servicing schedule. You do not get a separate bill for the service or a renewal bill for the insurance in the middle of the term.
What is not included:
- Traffic fines. The driver pays them.
- Salik toll. The driver pays it.
- Fuel.
One more limit, and it matters for a lot of people who search for cars this way. A car on a private rent-to-own plan cannot be used for Uber or Careem in Dubai. Ride-hailing needs commercial plates through a limousine company. If that is your plan for the car, this is not the right product for you.
Documents, and who you sign with
To start, we need:
- Emirates ID, or a passport with a valid UAE visa
- A UAE driving licence
- A security cheque
No salary certificate, no bank statement, no AECB report. We do not promise that every application is accepted, and we will not pretend otherwise. What we can say is that the decision is ours and not a bank's, and the credit bureau is not part of it.
The cars listed on the site are our own stock. You sign with Carborn Car Rental L.L.C, licensed in Dubai under trade licence 1144437, which trades as Gleeven. During the term the car is registered to the owning company, and it transfers to you at the end, as written in the contract.
How to see the current cars and the current numbers
Open gleeven.com. Every car in stock is listed with its monthly payment, its term and the payment needed at the start. The list changes as cars move, so what you see on the site is the live answer.
You can also come to the showroom at Midtown Central, Majan, Shop 28, Dubai. We are open every day from 10am to 8pm, and you can look at the car before you decide anything.
Write to us on WhatsApp at +971585276277 and tell us which car you are looking at.
Questions people ask
Do you have a zero down payment offer? +
How much is the payment at the start? +
Do you check my credit record or ask my employer? +
Is there a balloon payment at the end? +
Can I drive for Uber or Careem with the car? +
Read next
- Rent to own a car in Dubai with no down payment: what it really costs
- How to get a car in Dubai without a bank loan
- Rent to own a car in Dubai if you are self-employed
- Rent to own or a bank car loan in Dubai: which is cheaper
- All 8 cars available now
Gleeven, Carborn Car Rental L.L.C, Dubai trade licence 1144437. Midtown Central, Majan, Shop 28, Dubai.