Rent to own a car in Dubai if you are self-employed

A trade licence and money coming in is enough. There is no salary certificate in this and no bank.

The problem is the paperwork, not the money

If you run a small business on a trade licence, your income is real but it does not look like a salary. There is no employer letter, no fixed transfer on the 28th, and often no AECB history at all. Bank car finance is built around exactly those three things, so the application fails before anyone looks at whether you can afford the car.

What is looked at instead

That money comes in regularly, in whatever form it comes in.
That you have been in the country and in business for a while.
Emirates ID, a UAE driving licence and a security cheque.

No salary certificate. No three months of bank statements. No credit bureau report.

One thing to be clear about

A car on a private plan cannot be used for Uber or Careem. Ride-hailing in Dubai needs commercial plates through a limousine company. If that is what you need the car for, say so at the start and you will be pointed to the right route instead of signing the wrong contract.

Cars available now

Chevrolet Captiva, AED 2,620 a month for 24 months, AED 8,400 at the start
Jetour X70 Plus, AED 2,820 a month for 36 months, AED 12,300 at the start
KIA Sportage, AED 2,880 a month for 36 months, AED 13,300 at the start
MG Whale, AED 3,240 a month for 36 months, AED 14,900 at the start
Nissan Pathfinder, AED 3,290 a month for 36 months, AED 15,200 at the start
Volkswagen Tiguan, AED 3,350 a month for 36 months, AED 15,600 at the start

See the cars and the numbers

Questions people ask

I have a trade licence but no salary certificate. Is that a problem? +

No. Self-employed people and small-business owners are exactly who these plans are built for.

My visa is on my own company. Does that work? +

Yes. What matters is a valid Emirates ID, a UAE driving licence and regular income.

Can I put the car in my company name? +

Ask before you sign. The car is registered to the owning company during the term, and the name it transfers into at the end is written into the contract.

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Gleeven is the rent-to-own car brand of Carborn Car Rental L.L.C, licensed in Dubai, trade licence 1144437. Showroom at Midtown Central, Majan, Shop 28, Dubai, open every day 10am to 8pm.