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Auto Lease
The car of your dreams is now within your reach
Drive the car you've always wanted with attractive rates and flexible repayment terms.
Auto Lease Programs
Select the program that is right for you!
Emirates NBD offers you a wide range of Auto Lease programs that gives you the capability of owning the car of your dreams with comfort and ease.
Disclosure of Interest Rates & Financing for Auto Lease Products
New Vehicles Program
The Auto Lease program that provides you flexible payment terms
Apply now and get your new car with comfort & ease from a wide range of brands.
Features & Benefits:
- Shariah compliant
- Best-in-Class insurance
- Agency repairs for the repayment period*
- Insurance coverage for all GCC countries*
- Extended warranty available until the end of the repayment period with maximum mileage of 200,000 KMs*
- Repayment period from 1 year to 5 years
- Ability to cancel the contract and return the car within the repayment period
- Option to transfer the lease from existing to new customer
- Facility to use the car abroad in GCC countries & Jordan*
*Terms & Conditions Apply
Eligibility
Employment Criteria:
- For salary transfer & non-salary transfer segment: the minimum salary should be SAR 8,000
- For self-employed segment: the minimum monthly revenue should be SAR 20,000
Age Criteria:
- Salaried customers should be between 21 and 60 years (including Loan tenor)
- Non-salaried customers should be between 25 and 65 years (including Loan tenor)
Length of Service:
- Salary Transferred: minimum of 1 month
- Non-Salary Transfer: minimum of 3 months
- For Expats: less than 2 years of service requires a 5% additional down payment then continues payment on the current norm
- Self-employed: A minimum of 1 year in business
Number of Vehicles per borrowers:
- Maximum of 3 vehicles (for Saudi Nationals)
- Maximum of 2 vehicles (for expats)
Approved Brands Under the Program:
- All (as per the Bank’s policy)
Financing Cap:
| Criteria | Approved Finance Amount |
|---|---|
| Finance Amount (Principal only) | Minimum: SAR 20,000 |
| Maximum: SAR 500,000 |
*Terms & Conditions apply
50/50 Program
The program which allows you to fully own your vehicle in 24 months
Apply now and get your car with our 50/50 program.
Features & Benefits:
- Easy process and simple documentation requirements
- Leasing for selected brands available for a tenor of 24 months
- Comprehensive Insurance with agency repair and coverage for all GCC countries*
- Ability to cancel the contract and return the car within the repayment period
*Terms & Conditions apply
Eligibility
Employment Criteria:
- For salary transfer & non-salary transfer segment: the minimum salary should be SAR 15,000
- For self-employed segment: the minimum monthly revenue should be SAR 30,000
Length of Service:
- Salary Transferred: minimum of 1 month
- Non-Salary Transfer: minimum of 3 months
- For Expats: less than 2 years of service requires a 5% additional down payment then continues payment on the current norm
- Self-employed: A minimum of 1 year in business
Approved Brands Under the 50/50 (High Down Payment) Program:
- Bentley
- Lamborghini*
- Land Rover/Range Rover
- Mercedes
- Porsche
- BMW
- Audi
- Mini Cooper
- Volkswagen
Leasing Tenor:
- 24 Months
Financing Cap:
| Criteria | Approved Finance Amount |
|---|---|
| Finance Amount (Principal only) | Bentley: SAR 750,000 |
| All other brands: SAR 500,000 |
*Terms & Conditions apply
Certified Pre-Owned Vehicles
Our certified pre-owned vehicles provide you with the luxury you require on the road
Apply now and get your luxury car.
Features & Benefits:
- Fast application processing
- Leasing is only available for the vehicles under the certified pre-owned setup of authorized dealerships*
- Best-in-Class insurance with agency repair and coverage for all GCC countries*
- Leasing tenor from 1 year to 5 years
- Ability to cancel the contract and return the car within the repayment period
*Terms & Conditions apply
Eligibility
Employment Criteria:
- Eligibility for a maximum financing amount of SAR 100,000, Salary should range between SAR 12,000 and SAR 14,900 )
- Eligibility for a maximum financing amount of SAR 500,000, Salary should be SAR 15,000 and above
- For self-employed segment: the minimum monthly revenue should be SAR 30,000
Approved Brands Under the Pre-Owned Vehicles Program:
- Mercedes
- BMW
- Audi
- Range Rover
- Jaguar
- Lexus
- Infiniti
Financing Cap:
| Criteria | Approved Finance Amount |
|---|---|
| Finance Amount (Principal only) | All Brands SAR 500,000 |
| Approved grid for vehicle model and kilometers | |||
|---|---|---|---|
| Same Year Model | 1 Year Old Model | 2 Year Old Model | |
| Leasing Tenor | 60 Months | 48 Months | 36 Months |
| Max. Mileage | 20,000 KMs | 30,000 KMs | 60,000 KMs |
*Terms & Conditions apply
Ladies Offer
Take The Wheel And Drive Off In Your Dream Car
Own it now with one of the Lowest Rates in the market. Get your new car in a comfortable and easy way with our Auto Lease program whether your salary is transferred to us or any other bank in the Kingdom.
Your favorite car is now within reach with the following benefits:
- Shariah compliant
- Best-in-Class insurance
- Extended warranty available until the end of the repayment period with maximum mileage of 200,000 KMs*
- Repayment period from 1 to 5 years
- Ability of early settlement, to cancel the contract and return the car within the repayment period
- Option to transfer the lease from existing to new customer
- Facility to use the car abroad in GCC countries & Jordan*with insurance coverage
*Terms and conditions apply
Eligibility
Salary Criteria:
- For salary transfer & non-salary transfer segment: the minimum salary should be SAR 8,000
Age Criteria:
- Salaried customers should be between 21 and 60 years (including loan tenor)
- Non-salaried customers should be between 25 and 65 years (including loan tenor)
Length of Service:
- Salary Transferred: minimum of 1 month
- Non- Salary Transfer: minimum of 3 months
- For Expats: less than 2 years of service requires a 5% additional down payment then continues payment on the current norm
- Self-employed: A minimum of 1 year in business
*Terms & Conditions apply
Fixed Deposit Auto Loan
A unique auto loan with guaranteed returns
An auto loan is usually for a depreciating asset, but not with Emirates NBD. By making your down payment a profitable fixed deposit we can help you turn your loan into an investment.
You will never see financing a car in the same way again.Other distinctive features of this loan package include:
- Best motor insurance rates
- Online Salik recharge & RTA fine payment facility
- Round-the-clock roadside assistance
- Free credit card for the first year
* Limited period promotion, for banking customers only. Terms and conditions apply
Compare Your Benefits
| Benefits | Competition | Feature Packed Auto Loan | Invent in your Auto Loan | Staggered Installment Plan (SIP) |
|---|---|---|---|---|
| Get the best Motor Insurance rates | Yes | Yes | Yes | |
| Online Salik Recharge & RTA fine payment facility | Yes | Yes | Yes | |
| Free Annual Registration renewal at your doorstep | Yes | Yes | Yes | |
| Round the clock Roadside Assistance | Yes | Yes | Yes | |
| Free Credit Card for the first year | Yes | Yes | Yes | |
| Free Bank Account | Yes | Yes | Yes | Yes |
| Down-payment converted into an interest bearing Fixed Deposit | Yes | Yes | ||
| Installments as low as 50% of the standard installment amount in the first initial year and the remaining repayments | Yes | |||
| Competitive Rate | Yes | Yes | Yes | Yes |
*Terms and conditions apply
** Refer to credit card Terms and Conditions for complete details
Required Documents
Find out the Required Documents for Auto Loan Application
- Auto Loan Application
- Identification
- Original Emirates ID and Emirates ID copy
- Valid Passport Copy with valid Resident Visa page
- Salaried Individual
- Latest 3 Months Bank Statement
- Self-Employed Individual
- Latest 3 Months Bank Statement
- Trade License copy
- Memorandum & Articles of Association (AOA)
- Power of Attorney (POA) with borrowing power
- Loan to Minor (Natural or Legal guardian to be the co-borrower) Attested copies of guarantor & co borrower documents as listed below:
- Co-borrower's valid Passport and visa page
- Income documents (If applicable)
- If Co-borrower is a company, then MOA & TL to be obtained. Passport copy of partners to be obtained.
Please Note:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
- Identification
- Auto Loan Mortgage Release
- Mulkiya Copy (Front and Back)
- Emirates ID
Please Note:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
Auto Protect
Insurance for your peace of mind
Emirates NBD’s Auto Protect is another first-of-its-kind in the industry. It offers loan protection, as well as family and disability insurance all under one policy, with world-wide coverage.
Premiums are competitive, making this protection plan affordable to all. Insurance cover is provided by Abu Dhabi National Insurance company.
*All queries and claims may be raised with Abu Dhabi National Insurance Company (ADNIC) at 8008040.
Auto Protect Features
- Simple claim procedure
- High level of cover at low premium
- Minimal paperwork for claims
- Hassle-free sign up process and premium adjusted with the Auto Loan EMIs
- Pay-out amount equal to the loan outstanding to your family
- Covers death due to any cause and permanent total disability due to accident
- Accelerated protection, affordability, and world-wide coverage, Medical questionnaire only required beyond 65 years
- Coverage in addition to other benefits available under your Motor Insurance Policy such as personal accident benefit
- Premium as low as 1% of the loan amount, financed by the Bank over and above the loan amount (minimum of AED 1,000)
- World- wide coverage for death or permanent total disability due to accident
Loan Against Property for Expatriates
A loan against property you already own
If you already own a property in UAE, Emirates NBD can offer you the most convenient way to get the loan you need by mortgaging your owned and fully available property. This loan includes:
- Loans up to AED 10 million
- Easy instalments with loan tenors of up to 25 years
- Loan financing available for self-employed and salaried individuals
- Loan against freehold completed property in Dubai*
- Salary transfer not mandatory (terms & conditions apply)
- Up to 70% LTV*
*Properties can be registered with the relevant Government Department with a mortgage created in favour of Emirates NBD
*What is LTV?
LTV is the loan-to-value (LTV) ratio, which describes the size of a loan compared to the value of the property you are securing it for. Banks and building authorities use the LTV ratio to assess whether additional mortgage insurance is required for your loan to be approved.
Staggered Instalment Plan
A new industry standard for low payment auto loans
With this flexible instalment plan, you need only make low payments to begin with, gradually increasing as you improve your capacity to pay. It provides an easy, painless and manageable way of owning your dream car. Features of this loan include:
Find out the Required Documents for Auto Loan Application
- Option of lower instalment for eligible customers in the initial period
- Unique product in the market
*Terms and conditions apply
Required Documents
- Auto Loan Application
- Identification
- Original Emirates ID and Emirates ID copy
- Valid Passport Copy with valid Resident Visa page
- Salaried Individual
- Latest 3 Months Bank Statement
- Self-Employed Individual
- Latest 3 Months Bank Statement
- Trade License copy
- Memorandum & Articles of Association (AOA)
- Power of Attorney (POA) with borrowing power
- Loan to Minor (Natural or Legal guardian to be the co-borrower) Attested copies of guarantor & co borrower documents as listed below:
- Co-borrower's valid Passport and visa page
- Income documents (If applicable)
- If Co-borrower is a company, then MOA & TL to be obtained. Passport copy of partners to be obtained.
Please Note:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
- Identification
- Auto Loan Mortgage Release
- Mulkiya Copy (Front and Back)
- Emirates ID
Please Note:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
Business Vehicle Loans
Helping your fleet meet the challenge
A top priority for your business is making sure your vehicles are up to date and right for the job. Emirates NBD’s low interest Business Vehicle Loans will help you finance the upgrades and replacements you need.
- Loans up to AED 3,500,000
- Special low interest rates starting from 3.99% flat rate p.a.*
- Finance available across a wide range of passenger and commercial vehicles
- Finance may be extended through a loan or credit facility
- For companies in both transport or non-transport sectors
Required Documents
Find out the Required Documents for Auto Loan Application
- Auto Loan Application
- Identification
- Original Emirates ID and Emirates ID copy
- Valid Passport Copy with valid Resident Visa page
- Salaried Individual
- Latest 3 Months Bank Statement
- Self-Employed Individual
- Latest 3 Months Bank Statement
- Trade License copy
- Memorandum & Articles of Association (AOA)
- Power of Attorney (POA) with borrowing power
- Loan to Minor (Natural or Legal guardian to be the co-borrower) Attested copies of guarantor & co borrower documents as listed below:
- Co-borrower's valid Passport and visa page
- Income documents (If applicable)
- If Co-borrower is a company, then MOA & TL to be obtained. Passport copy of partners to be obtained.
Please Note:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
- Identification
- Auto Loan Mortgage Release
- Mulkiya Copy (Front and Back)
- Emirates ID
Please Note:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
Balloon (50:50) Buy Back Program
The flexible auto finance plan that allows you optimum choice
Our Balloon Buy-Back programme offers you the flexibility of paying 50% of the car value, with interest on the loan for the remainder to be calculated over 24 or 36 months.This programme is in collaboration with 'Al Futtaim Motors' and 'Arabian Automobiles Company', for new Toyota vehicles.
The dealers will guarantee to buy back the vehicle from you at a pre-determined value (55% over 24 months, 45% over 36 months) at the end of the contracted period. You can then either pay the remaining 50% through a one-time “balloon” payment or switch into a standard Auto Loan.
Compare Your Benefits
| Benefits | Competition | Feature Packed Auto Loan | Invent in your Auto Loan | Staggered Installment Plan (SIP) |
|---|---|---|---|---|
| Get the best Motor Insurance rates | Yes | Yes | Yes | |
| Online Salik Recharge & RTA fine payment facility | Yes | Yes | Yes | |
| Free Annual Registration renewal service at your doorstep | Yes | Yes | Yes | |
| Round the clock Roadside Assistance | Yes | Yes | Yes | |
| Free Credit Card for the first year | Yes | Yes | Yes | |
| Free Bank Account | Yes | Yes | Yes | Yes |
| Down-payment converted into an interest bearing Fixed Deposit | Yes | Yes | ||
| Installments as low as 50% of the standard installment amount in the first initial year and the remaining repayments | Yes | |||
| Competitive Rate | Yes | Yes | Yes | Yes |
*Terms and conditions apply
Required Documents
Find out the Required Documents for Auto Loan Application
- Auto Loan Application
- Identification
- Original Emirates ID and Emirates ID copy
- Valid Passport Copy with valid Resident Visa page
- Salaried Individual
- Latest 3 Months Bank Statement
- Self-Employed Individual
- Latest 3 Months Bank Statement
- Trade License copy
- Memorandum & Articles of Association (AOA)
- Power of Attorney (POA) with borrowing power
- Loan to Minor (Natural or Legal guardian to be the co-borrower) Attested copies of guarantor & co borrower documents as listed below:
- Co-borrower's valid Passport and visa page
- Income documents (If applicable)
- If Co-borrower is a company, then MOA & TL to be obtained. Passport copy of partners to be obtained.
Please Note:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
- Identification
- Auto Loan Mortgage Release
- Mulkiya Copy (Front and Back)
- Emirates ID
Please Note:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
Check out our exclusive
Auto Lease offers
Limited time offer
Porsche
Exclusive Rates on all Porsche Models
Select one of 2 programs to obtain your car:
A five year installment plan on all Porsche models
Pay 50% of the price now and 50% after 2 years
Applicable for Salaried & Self-Employed banking borrowers only
Eligibility
- Salaried Segment & Self Employed Segment
- Customers from Government, Semi-Government and Private sector
- Nationals & Expats
Benefits
- Exclusive rates on all Porsche models
- Comprehensive insurance along with agency repair during the tenor period
- Insurance coverage for all GCC countries and Jordan*
- Swift and enhanced aftersales services
- Shariah Compliant
Porsche
Low Rates & Complimentary Services
Own a Porsche with one of the lowest rates in the market along with several complimentary services:
- Complimentary Dealership Offer
- Complimentary Porsche Roadside Assistance
- Porsche Service Package
- Complimentary Porsche Warranty
Terms & Conditions
- The offer is with Saudi Arabian Marketing & Agency Company - SAMACO only.
- The offer is applicable on Specific Porsche Models and limited to financing customers only.
- Offer can change on dealership discretion and will be communicated officially.
- Image used in the ad may differ for the original vehicle and is for reference purpose.
- Offer not valid in conjunction with any other promotions
Customer Service
Our swift & enhanced aftersales services
- Insurance claim
- Total loss claims
- Local Driving Authorization (New/Renewal)
- Lease Transfer Request
- Insurance Certificate Request
- Vehicle Return Request
- General Inquiries
- International Driving Authorization
- Backup Key Request
Auto Lease Calculator
1. Select Auto Lease Type ?
New Cars2. Select Finance Type ?
Salary AssignedSalary SAR
SAR 8,000 SAR 500,000
Car Price SAR
SAR 30,000 SAR 1,200,000
Down Payment %
0% 90%
Balloon Payment %
3% 35%
Tenor Years
1 year 5 years
Note: Profit Rates, Down Payment, Balloon Payment, Tenor and the Financing Limits may vary & are subject to Bank's policy
Management Fee 1% of the finance amount or SAR 5000 whichever is lower
For 50/50 program: Maximum Financing Amount is capped at SAR 500,000 for regular cars and SAR 750,000 for (Bentley Only)
Last modification : 15th August 2020
1. Customer Type?
Saudi2. Car Type ?
Standard/ Luxury CarsFinance Amount SAR 55
Down Payment Amount SAR 55
Term Cost SAR 100
Balloon Payment Amount SAR 100
APR 55%
Management Fees SAR 1000
Total Repayment amount SAR 1000
your monthly installment is
SAR 2,730 *
APR may differ depending on the amount and maturity period and subject to credit scoring of each customer
*Subject to terms and conditions.
Auto Lease Financing Example
Salary Transfer Auto Lease Financing
- Example 1:For New Auto Finance of SAR 100,000 over 60 months, the APR will be 10.33% and the monthly installment will be SAR 1,715
- Example 2:For Certified Pre-Owned Auto Finance of SAR 100,000 over 48 months, the APR will be 12.90% and the monthly installment will be SAR 2,415
- Example 3: For 50/50 Program Auto Finance of SAR 100,000 over 24 months, the APR will be 12.66% and the monthly installment will be SAR 1,098
Non Salary Transfer Auto Lease Financing
- Example 1:For New Auto Finance of SAR 100,000 over 60 months, the APR will be 11.65% and the monthly installment will be SAR 1,768
- Example 2:For Certified Pre-Owned Auto Finance of SAR 100,000 over 48 months, the APR will be 14.19% and the monthly installment will be SAR 2,478
- Example 3: For 50/50 Program Auto Finance of SAR 100,000 over 24 months, the APR will be 12.66% and the monthly installment will be SAR 1,098
Self-Employed Auto Lease Financing
- Example 1:For New Auto Finance of SAR 100,000 over 60 months, the APR will be 12.57% and the monthly installment will be SAR 1,797
- Example 2:For Certified Pre-Owned Auto Finance of SAR 100,000 over 48 months, the APR will be 15.45% and the monthly installment will be SAR 2,540
- Example 3: For 50/50 Program Auto Finance of SAR 100,000 over 24 months, the APR will be 12.66% and the monthly installment will be SAR 1,098
Auto Lease Product Features
Best-in-Class Insurance 
Extended warranty available until the end of the repayment period with maximum mileage of 200,000 KMs* 
Repayment period from 1 to 5 years 
Shariah compliant 
Ability of early settlement, contract cancellation and return of vehicle within the repayment period 
Option to transfer the lease from existing to new customer 
Facility to use the car abroad in GCC* countries & Jordan with insurance coverage 
Certified Pre-Owned & 50/50 Leasing Available** *Terms & Conditions Apply
**On selected brands only / Terms & Conditions Apply
Auto Lease Insurance Features
Insurance with agency repair for the entire repayment period Insurance coverage for GCC countries* 
Personal Accidents Benefits for the driver in case of accidents or death ( god forbid ) 
Emergency medical expense 
Natural perils coverage:
Floods, windstorms, sandstorms, earthquakes, volcanic eruptions, hurricanes, and other convulsions of nature *Terms & Conditions Apply
Customer Care
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