Lease to own and rent to own car companies in Dubai, compared
What 14 companies say on their own websites, checked on 18 October 2026, with a link to each page. Gleeven is last on the list. Terms change, so check them with the company before you sign.
Updated 29 October 2026
How to read this
Every line comes from the company's own website. Where a company does not publish something, we say so and do not guess. Where a website gives two different numbers, we show both. New and used cars, long and short plans are not the same thing, so compare the same kind of offer.
At a glance
| Company | At the start | Months | At the end |
|---|---|---|---|
| 3MA Auto | From AED 5,500 | 12 | Not published |
| Al-Futtaim Finance, Drive on Lease | Low, amount not published | Not published | Option to buy at a price set at the start |
| Dollar Rent to Own | Zero down, one month in advance | 12 to 60 | Option to buy at a set final amount |
| Lease to Own Car Rental (lease2own.ae) | 20% to 60% | 12 to 72 | Yours after a AED 1,000 transfer fee |
| Morning Star Rent a Car | A small starter fee | 12 to 48 | Not published |
| OWN.CAR | None on cars in stock, 20% on a new car | 12, 24 or 36 | Yours, no payment at the end |
| Quick Lease | Zero on some plans, or a down payment | 12 to 48 | The site says both: yours, or a set final amount |
| Ratata Motors | From AED 5,000 | Up to 12, some cars 18 | Not spelled out |
| RMA Motors, Lease to Own | 25% to 30% | Not published | Not published |
| SelfDrive, Rent to Own | You choose | 12 or 24 | Yours after the rest is paid |
| Speedy Drive, Lease to Own | Not published | 3 to 24 | Yours when the lease ends |
| TakeAuto | 15% to 25% | 6 to 36 | Yours after a AED 1,000 payment |
| Thrifty Lease to Own | Zero down, one month in advance | 12 to 60 | Option to buy at a set final amount |
| Gleeven (cars sold by LAAS Car Rental L.L.C) | 10%, from AED 7,600 | 12 or 24 | Yours after the last monthly payment |
Each company in detail
3MA Auto
- Cars: Used cars from their stock.
- At the start: Down payment from AED 5,500. A trade-in can cover part of it.
- Months: 12, with payments from AED 1,500 a month and 0% interest.
- At the end: Not published.
- What they ask for: Emirates ID and a valid UAE driving licence. They say no credit checks, no salary transfer and no bank statements.
- Included: Not published.
Source: 3maauto.com, 3maauto.com/used-cars-dubai
Al-Futtaim Finance, Drive on Lease
- Cars: New cars.
- At the start: A low down payment, the amount is not published. A processing fee of AED 500 for new customers.
- Months: Not published for this plan.
- At the end: Buy the car at the price fixed at the start, return it, or replace it with a new lease.
- What they ask for: The document list is not published. They report the customer's credit information to the Etihad Credit Bureau.
- Included: Service and maintenance, comprehensive insurance and repair, yearly registration, breakdown and recovery.
Dollar Rent to Own
- Cars: New cars, 2026 models on the page.
- At the start: The banner says zero down payment. The FAQ says the first costs usually include one month in advance, plus a deposit if any.
- Months: 12 to 60. The cars on the page today are priced over 60 months.
- At the end: Pay a set final amount to own the car, or return it. Example on the page: Suzuki Fronx 2026 at AED 1,510 a month, and AED 9,000 to own it after 60 months.
- What they ask for: Not published for rent to own.
- Included: Registration, comprehensive insurance, maintenance, delivery and collection. You pay the insurance excess after an accident that is your fault, unless you buy their damage waiver.
Source: dollaruae.com/rent-to-own
Lease to Own Car Rental (lease2own.ae)
- Cars: A car you choose, new or used. The site gives two age limits: under 4 years and not older than 3 years.
- At the start: 20% to 60% of the price, in their calculator.
- Months: 12 to 72 in the calculator. Their public offer says 1 to 4 years.
- At the end: After the last payment you pay a AED 1,000 transfer fee and the car is yours.
- What they ask for: Emirates ID, passport, 3 months of bank statements and an AECB credit report. For UAE residents aged 24 or more with a UAE driving licence (the public offer says 25, and a licence older than 1 year).
- Included: Not included: you pay insurance with one of their approved insurers, servicing and the yearly registration.
Source: lease2own.ae, lease2own.ae/public-offer
Morning Star Rent a Car
- Cars: 2024 to 2026 models, such as Chery, Jaecoo, Omoda, Kaiyi, MG and Nissan.
- At the start: No large deposit, a small starter fee. The amount is not published.
- Months: 1 to 4 years, with a price for each. Example: Kaiyi X7 2026 at AED 7,000 a month over 1 year, or AED 2,250 a month over 4 years. Up to 2,000 km a month.
- At the end: Not published. The page has no terms for buying the car.
- What they ask for: Not published.
- Included: Basic insurance, maintenance and service.
Source: morningstaruae.com/lease-to-own
OWN.CAR
- Cars: Used cars in stock, 2021 to 2025, or a new car ordered for you on their 80/20 plan.
- At the start: No down payment and no deposit on cars in stock. 20% on the 80/20 plan for a new car.
- Months: 12, 24 or 36. Example on the page: MG 5 2024 at AED 2,350 a month over 24 months.
- At the end: The car is yours at the end, with no balloon payment. You can hand the car back at any time.
- What they ask for: Emirates ID (or passport and visa) and a UAE driving licence. They say no bank statements and no credit check.
- Included: Not published.
Source: own.car
Quick Lease
- Cars: New and used, 2023 to 2025 models on the page.
- At the start: Zero down on some plans, depending on eligibility, or with a down payment. Example: Nissan Sunny 2024 at AED 2,586 a month with AED 5,308 down.
- Months: 12 to 48.
- At the end: Their pages differ. One says the car becomes yours at the end. The FAQ says you pay a set final amount to own it, or upgrade, or return it.
- What they ask for: UAE residents: driving licence and Emirates ID. Visitors may need a passport and an international driving permit. A credit assessment if applicable.
- Included: One page says every plan includes insurance, registration, servicing and maintenance. The FAQ says it depends on the package.
Source: quicklease.ae, without down payment, quicklease.ae, with down payment
Ratata Motors
- Cars: Used cars, 2020 to 2024.
- At the start: From AED 5,000 in the FAQ. Some cars on the page show AED 3,000 or AED 4,000.
- Months: Up to 12 in the FAQ. Some cars on the page show 18 months.
- At the end: Not spelled out. If payments stop, the car is taken back.
- What they ask for: Emirates ID or passport and a valid UAE driving licence. They say no banks, no credit history and no proof of income.
- Included: The FAQ says third-party insurance. Another part of the page says full insurance.
Source: ratata.ae
RMA Motors, Lease to Own
- Cars: Cars from their stock, 2023 or newer, up to AED 300,000.
- At the start: 25% to 30%.
- Months: Not published for lease to own.
- At the end: Not published.
- What they ask for: UAE driving licence, Emirates ID, visa and passport, proof of income, 6 months of statements for business owners or 3 months for salaried people, an AECB report, a credit score of 450 or more, and age over 25.
- Included: Not published.
Source: rmamotors.com/lease-to-own
SelfDrive, Rent to Own
- Cars: 2024 to 2025 models. The page also says brand new.
- At the start: You choose the down payment. Calculator example: AED 15,000 down, AED 2,300.50 a month over 12 months and AED 15,000 at the end.
- Months: 12 or 24. You can pay off the rest after 3 months.
- At the end: The car is yours when the plan ends and the rest is paid. During the plan it is registered in SelfDrive's name.
- What they ask for: No list for rent to own. They say no credit checks, and that tourists can join.
- Included: Insurance, servicing and maintenance.
Source: selfdrive.ae/rent-to-own
Speedy Drive, Lease to Own
- Cars: New and used, 2021 to 2027 models.
- At the start: Not published.
- Months: 3, 6, 12 or 24 in their form. Example: Nissan Sunny 2025 at AED 4,981 for 12 months or AED 2,582 for 24 months (the page does not say if this is a monthly amount).
- At the end: The car is yours when the lease ends. No extra charge to finish early.
- What they ask for: Not published.
- Included: Service and maintenance, roadside help, no mileage limit.
Source: speedydrive.ae/lease-to-own
TakeAuto
- Cars: New or used, found to order. The page gives two age limits: not older than 2021, and not older than 2023.
- At the start: 15% to 25%. The page also says 25%.
- Months: 6 to 36. The page also says 12 to 36.
- At the end: A final payment of AED 1,000, then the car is yours.
- What they ask for: Passport or ID and a driving licence. They say no credit history check, and that visitors can apply with a home country licence.
- Included: The page differs: one answer says you pay insurance separately, another says registration is included.
Source: takeauto.ae
Thrifty Lease to Own
- Cars: New cars, 2026 models.
- At the start: Zero down payment. The FAQ says the first costs usually include one month in advance, plus a deposit if any.
- Months: 12, 24, 36, 48 or 60.
- At the end: Buy the car at a set final amount, upgrade, or return it. Example: Suzuki Fronx 2026 at AED 1,510 a month, with the option to own it for AED 9,000.
- What they ask for: Not published for lease to own.
- Included: Insurance, registration and maintenance. You pay the insurance excess after an accident that is your fault, unless you buy their damage waiver. Thrifty and Dollar are the same group.
Source: thriftyuae.com/lease-to-own
Gleeven (cars sold by LAAS Car Rental L.L.C)
- Cars: 13 cars from 2022 to 2024 in Dubai: Audi, Infiniti, Ford, BMW, Porsche, Mercedes-Benz and Land Rover.
- At the start: 10 percent of the price, from AED 7,600.
- Months: 12 or 24. Over 12 months the total is the car price, no interest. Over 24 months the total is higher.
- At the end: The car is yours after the last monthly payment and goes to your name at RTA. No payment at the end.
- What they ask for: Emirates ID and a UAE driving licence, and we tell you the full list before you sign. No salary certificate, no bank statements, no bank approval.
- Included: Comprehensive insurance.
What to check before you sign, with any company
- Who owns the car during the plan, and when it goes to your name. Get it in writing.
- Whether there is a payment at the end, and how much, in dirhams.
- The total of all payments, from the first to the last.
- What happens if you are late, and what happens if you want to stop or pay off early.
- What insurance covers and who pays the excess.
- Whether there is a mileage limit.
Questions people ask
Which company is the cheapest? +
It depends on the car, the months and what is included. A long plan has a lower monthly payment and a higher total. Compare the money at the start, the monthly payment, the number of months and any payment at the end together.
Which companies sell used cars this way? +
From what they publish: 3MA Auto, Ratata Motors and OWN.CAR (cars in stock) sell used cars, and RMA Motors leases cars from its stock that are 2023 or newer. Quick Lease, Speedy Drive, TakeAuto and lease2own.ae offer new or used cars. Dollar, Thrifty and Al-Futtaim Finance are on new cars. Gleeven sells used cars of every class and type.
Which companies offer zero down payment? +
From what they publish: Dollar and Thrifty say zero down, with one month paid in advance. OWN.CAR has no down payment on cars in stock, and Quick Lease has zero down on some plans. Zero down usually comes with a longer plan or a payment at the end. Dollar, for example, prices the cars on its page over 60 months, with a set amount to pay at the end if you want to keep the car.
Which companies have a payment at the end? +
From what they publish: Dollar, Thrifty and Al-Futtaim Finance have a set final amount if you want to keep the car, and SelfDrive's calculator shows one. TakeAuto and lease2own.ae ask for AED 1,000 at the end. OWN.CAR says there is no balloon payment. At Gleeven the last monthly payment is the last payment.
What does Gleeven ask for? +
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. No. We do not ask for a salary certificate, a salary transfer, bank statements or a bank approval.