United Arab Emirates

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125 premium cars for sale · 11 brands · checked 15 Oct
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Finance

Car finance in Dubai

Eligible listings include an illustrative finance calculator with its assumptions shown. gCar has no lender partner yet — use the figures to plan, then get the real rate from your bank.

Illustrative estimate only — not a finance offer or rate quote. Eligibility, rate and payment depend on the bank and the applicant.

How luxury car finance usually works in the UAE

Car loans in the UAE are offered by banks to residents. For a used car, the bank values the car, lends a share of that value — generally with a down payment of at least 20% — and registers a hold (mortgage) on the car with the RTA until the loan is repaid. When you sell or export a financed car, the bank issues a clearance letter to release it.

What banks usually ask for

  • Emirates ID, passport with residence visa and a UAE driving licence.
  • Salary certificate or proof of business income, and recent bank statements.
  • The seller’s quotation or invoice for the car, and insurance in your name before the car is released.

Why older and collector cars are harder to finance

Banks set maximum ages for the car at the end of the loan and prefer cars they can value from market data. A recent Rolls-Royce or Ferrari is usually straightforward; a limited-edition hypercar or a classic may need a specialist lender or a cash purchase. That is why gCar Sale shows the illustrative calculator only on priced cars up to ten years old.

Ask the gCar team about finance

Your request goes straight to the gCar team and is used only to contact you about it — see the privacy policy.

Frequently asked

Can expats finance a car in the UAE?

Yes — UAE banks finance cars for eligible residents, typically requiring an Emirates ID, driving licence, salary evidence and bank statements. Eligibility and rates vary by bank and profile.

Is the calculator a real quote?

Illustrative estimate only — not a finance offer or rate quote. Eligibility, rate and payment depend on the bank and the applicant.

Do you arrange the finance yourselves?

No. gCar is not a bank or a lender and has no lender partner yet. The gCar team can explain the process and what UAE banks usually ask for; the bank sets the rate and decides on approval.

How much down payment do UAE banks ask for?

UAE banks generally require at least 20% down on a car loan and look at the car’s age and value as well as your income. Older and collector cars are often not financed.