Lease to own a car in Dubai if you are self-employed
If you work for yourself on a trade licence, a bank car loan is hard to get without a salary certificate. With Gleeven there is no bank and no salary certificate. You need an Emirates ID and a UAE driving licence, you pay 10 percent of the price when you sign, and the rest in 12 or 24 monthly payments.
Updated 29 October 2026
Why banks turn down self-employed people
Bank car loans are built around a fixed salary: a salary certificate, a salary transfer and a few months of payslips. When you run your own business your income is real, but it comes from clients, not from an employer. The file does not fit the form, so the answer is often no.
What you need with Gleeven
- An Emirates ID, or a passport with a UAE residence visa. Your visa can be through your own company.
- A UAE driving licence.
No salary certificate, no bank statements, no bank approval. 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.
Plan the payment for a slow month
When your income goes up and down, pick a monthly payment you can make in a slow month, not in a good one. You can pay off what is left at any time and get 10 percent off that amount, so a strong month can end the plan early.
Over 12 months you pay exactly the car price, with no interest. Insurance is included. Fuel, Salik, fines and service are on you, like with your own car.
How it works
- 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.
Cars you can get 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