Auto Lease | Vehicle Leasing in Saudi Arabia | Emirates NBD KSA

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.

New Vehicles Program

50/50 Program

Certified Pre-Owned Vehicles

Disclosure of Interest Rates & Financing for Auto Lease Products

Our swift & enhanced aftersales services

Own Your Dream Car With up to 45% Balloon Payment

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*:

Fast Application Processing
Fully Shariah Compliant - Leasing Structure Based on Ijarah
Most Competitive Profit Rates
Best in Class Insurance
Agency Repair Option for Whole Tenure*
GCC Insurance Cover Option*
Option to Avail Personal Accident Benefit for Driver In Case of Accident, Emergency Medical Expense and Natural Perils (God Forbid)*
Extended Warranty Option Available*
Contract Cancelling and Car Returning Option Available
Option to Transfer Lease to New Customer
Option to Use Car in GCC Countries and Jordan
Financing Tenure from 12 to 60 Months.
Certified Pre-Owned and 50/50 Leasing Schemes Available**

*Terms & Conditions Apply
** Available on Select Brands

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 and Benefits*:

Fast Application Processing
Fully Shariah Compliant - Leasing Structure Based on Ijarah
Most Competitive Profit Rates
Best in Class Insurance
Agency Repair Option for Whole Tenure*
GCC Insurance Cover Option*
Option to Avail Personal Accident Benefit for Driver In Case of Accident, Emergency Medical Expense and Natural Perils (God Forbid)*
Contract Cancelling and Car Returning Option Available
Option to Transfer Lease to New Customer
Option to Use Car in GCC Countries and Jordan
Financing Tenure up to 24 Months

*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
Fully Shariah Compliant - Leasing Structure Based on Ijarah
Most Competitive Profit Rates
Best in Class Insurance
Agency Repair Option for Whole Tenure*
GCC Insurance Cover Option*
Option to Avail Personal Accident Benefit for Driver In Case of Accident, Emergency Medical Expense and Natural Perils (God Forbid) *
Extended Warranty Option Available*
Contract Cancelling and Car Returning Option Available
Option to Transfer Lease to a New Customer
Option to Use Car in GCC Countries and Jordan
Financing Tenure from 12 to 60 Months

*Terms & Conditions apply

Check out our exclusive

Auto Lease offers

Limited time offer

Chevrolet

Terms & Conditions related to the Promotion⁽¹⁾:

The offer is for Chevrolet brand with Al Jomaih Motors only.
The offer is applicable on specific Chevrolet Captiva models and limited to financing customers only.
Image used in the ad may differ from the original vehicle and is for reference purpose.
Offer not valid in conjunction with any other promotions.
Please visit the nearest showroom for more information about the minimum income of Regular Financing (1-5 Years)⁽²⁾.
Minimum Qualifying Simah Score applies as stated below:
- Salaried Customers with 0% Down Payment: 550+ Qualifying Score.
- Salaried Customer with 5% Down Payment: 500 up to 550 Qualifying Score.
Balloon Payment Regular Financing: 40%.
Starting APR⁽³⁾ for Regular Financing @ 5.38% with Admin Fee included & excluding Insurance⁽⁴⁾.

Campaign Validity: From May 15^th Till June 30^th, 2025

General Terms & Conditions:

This offer is applicable for the existing and new customers.
Terms and conditions of Auto Lease for Branch of Emirates NBD - Kingdom of Saudi Arabia shall apply.
These terms and conditions are subject to the laws and regulations of the Kingdom of Saudi Arabia.
The bank, in its absolute discretion, reserves the right to prevent any individual from benefiting from the offer if the individual violates these terms and conditions or the terms of use of the product or the bank account, or attempts to tamper with the instructions and mechanism for benefiting from this offer.
Branch of Emirates NBD - KSA is Licensed and regulated by Saudi Central Bank.
These Terms and conditions have been drafted in both Arabic and English version and in case of any discrepancies, the Arabic version shall prevail.

GAC

Terms & Conditions related to the Promotion⁽¹⁾:

The offer is for GAC brand with Al Jomaih Motors only.
The offer is applicable on specific GAC models and limited to financing customers only.
Image used in the ad may differ from the original vehicle and is for reference purpose.
Offer not valid in conjunction with any other promotions.
Please visit the nearest showroom for more information about the minimum income of Regular Financing (1-5 Years)⁽²⁾.
Minimum Qualifying Simah Score applies as stated below:
- Salaried Customers with 0% Down Payment: 550+ Qualifying Score.
- Salaried Customer with 5% Down Payment: 500 up to 550 Qualifying Score.
Balloon Payment Regular Financing: 40%.
Starting APR⁽³⁾ for Regular Financing @ 5.95% with Admin Fee included & excluding Insurance⁽⁴⁾.

(1) Terms & Conditions Apply.

(2) Based on DBR calculation and eligibility.

(3) Annual Percentage Rate (APR) may vary depending on the financing amount, repayment period, and credit profile.

(4) Insurance premiums vary based on several customer-specific factors such as age, driving history, and vehicle type.

Campaign Validity: From May 15^th Till June 30^th, 2025

General Terms & Conditions:

This offer is applicable for the existing and new customers.
Terms and conditions of Auto Lease for Branch of Emirates NBD - Kingdom of Saudi Arabia shall apply.
These terms and conditions are subject to the laws and regulations of the Kingdom of Saudi Arabia.
The bank, in its absolute discretion, reserves the right to prevent any individual from benefiting from the offer if the individual violates these terms and conditions or the terms of use of the product or the bank account, or attempts to tamper with the instructions and mechanism for benefiting from this offer.
Branch of Emirates NBD - KSA is Licensed and regulated by Saudi Central Bank.
These Terms and conditions have been drafted in both Arabic and English version and in case of any discrepancies, the Arabic version shall prevail.

Terms & Conditions related to the Promotion⁽¹⁾:

The offer is for Chevrolet brand with Al Jomaih Motors only.
The offer is applicable on specific Chevrolet Captiva models and limited to financing customers only.
Image used in the ad may differ from the original vehicle and is for reference purpose.
Offer not valid in conjunction with any other promotions.
Please visit the nearest showroom for more information about the minimum income of Regular Financing (1-5 Years)⁽²⁾.
Minimum Qualifying Simah Score applies as stated below:
- Salaried Customers with 0% Down Payment: 550+ Qualifying Score.
- Salaried Customer with 5% Down Payment: 500 up to 550 Qualifying Score.
Balloon Payment Regular Financing: 40%.
Starting APR⁽³⁾ for Regular Financing @ 5.38% with Admin Fee included & excluding Insurance⁽⁴⁾.

Campaign Validity: From May 15^th Till June 30^th, 2025

General Terms & Conditions:

This offer is applicable for the existing and new customers.
Terms and conditions of Auto Lease for Branch of Emirates NBD - Kingdom of Saudi Arabia shall apply.
These terms and conditions are subject to the laws and regulations of the Kingdom of Saudi Arabia.
The bank, in its absolute discretion, reserves the right to prevent any individual from benefiting from the offer if the individual violates these terms and conditions or the terms of use of the product or the bank account, or attempts to tamper with the instructions and mechanism for benefiting from this offer.
Branch of Emirates NBD - KSA is Licensed and regulated by Saudi Central Bank.
These Terms and conditions have been drafted in both Arabic and English version and in case of any discrepancies, the Arabic version shall prevail.

Terms & Conditions related to the Promotion⁽¹⁾:

The offer is for GAC brand with Al Jomaih Motors only.
The offer is applicable on specific GAC models and limited to financing customers only.
Image used in the ad may differ from the original vehicle and is for reference purpose.
Offer not valid in conjunction with any other promotions.
Please visit the nearest showroom for more information about the minimum income of Regular Financing (1-5 Years)⁽²⁾.
Minimum Qualifying Simah Score applies as stated below:
- Salaried Customers with 0% Down Payment: 550+ Qualifying Score.
- Salaried Customer with 5% Down Payment: 500 up to 550 Qualifying Score.
Balloon Payment Regular Financing: 40%.
Starting APR⁽³⁾ for Regular Financing @ 5.95% with Admin Fee included & excluding Insurance⁽⁴⁾.

(1) Terms & Conditions Apply.

(2) Based on DBR calculation and eligibility.

(3) Annual Percentage Rate (APR) may vary depending on the financing amount, repayment period, and credit profile.

(4) Insurance premiums vary based on several customer-specific factors such as age, driving history, and vehicle type.

Campaign Validity: From May 15^th Till June 30^th, 2025

General Terms & Conditions:

This offer is applicable for the existing and new customers.
Terms and conditions of Auto Lease for Branch of Emirates NBD - Kingdom of Saudi Arabia shall apply.
These terms and conditions are subject to the laws and regulations of the Kingdom of Saudi Arabia.
The bank, in its absolute discretion, reserves the right to prevent any individual from benefiting from the offer if the individual violates these terms and conditions or the terms of use of the product or the bank account, or attempts to tamper with the instructions and mechanism for benefiting from this offer.
Branch of Emirates NBD - KSA is Licensed and regulated by Saudi Central Bank.
These Terms and conditions have been drafted in both Arabic and English version and in case of any discrepancies, the Arabic version shall prevail.

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
Renew Vehicle Registration

Request a Service

Auto Lease Calculator

1. Select Auto Lease Type ?

2. Select Finance Type ?

Car Price

SAR 20000 SAR 1200000

Down Payment

% 0 % 90

Balloon Payment

% 3 % 35

Tenor

Years 1 Years 5

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 5000 whichever is lower

For 50/50 program: Maximum Financing Amount is capped at 500,000 for regular cars and 750,000 for (Bentley Only)

Salary Type	New cars	Certified pre owned	50-50
Salary assigned	Minimum monthly salary required for this financing option is SAR 5000	Minimum monthly salary required for this financing option is SAR 5000	Minimum monthly salary required for this financing option is SAR 10000
Non salary assigned	Minimum monthly salary required for this financing option is SAR 5000	Minimum monthly salary required for this financing option is SAR 5000	Minimum monthly salary required for this financing option is SAR 10000
Self employed	Minimum monthly salary required for this financing option is SAR 30000	Minimum monthly salary required for this financing option is SAR 30000	Minimum monthly salary required for this financing option is SAR 30000

Last modification : 24^th April 2025

1. Customer Type?

Saudi Expat

2. Car Type?

Standard / Luxury Sports / Coupe

Finance Amount

{0} SAR

Down Payment Amount

{0} SAR

Term Cost

{0} SAR

Balloon Payment Amount

{0} SAR

APR

{0}%

Management Fees

{0} SAR

Insurance Amount

{0} SAR

Total Repayment amount

{0} SAR

Based on the Auto Lease program, your monthly installment is

SAR

*

APR may differ depending on the amount and maturity period and subject to credit scoring of each customer

*Subject to terms and conditions.

The net finance amount must be more than SAR 20,000 to calculate the monthly installment. Please adjust your inputs or contact us for further assistance.

Auto Lease Financing Example

Salary Transfer Auto Lease Financing

Example 1: For New Auto Finance of 100,000 over 60 months, the APR will be 10.33% and the monthly installment will be 1,715
Example 2: For Certified Pre-Owned Auto Finance of 100,000 over 48 months, the APR will be 12.90% and the monthly installment will be 2,415
Example 3: For 50/50 Program Auto Finance of 100,000 over 24 months, the APR will be 12.66% and the monthly installment will be 1,098

Non Salary Transfer Auto Lease Financing

Example 1: For New Auto Finance of 100,000 over 60 months, the APR will be 11.65% and the monthly installment will be 1,768
Example 2: For Certified Pre-Owned Auto Finance of 100,000 over 48 months, the APR will be 14.19% and the monthly installment will be 2,478
Example 3: For 50/50 Program Auto Finance of 100,000 over 24 months, the APR will be 12.66% and the monthly installment will be 1,098

Self-Employed Auto Lease Financing

Example 1: For New Auto Finance of 100,000 over 60 months, the APR will be 12.57% and the monthly installment will be 1,797
Example 2: For Certified Pre-Owned Auto Finance of 100,000 over 48 months, the APR will be 15.45% and the monthly installment will be 2,540
Example 3: For 50/50 Program Auto Finance of 100,000 over 24 months, the APR will be 12.66% and the monthly installment will be 1,098

Auto Lease Product Features

Best-in-Class Insurance

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

Best-in-Class Insurance

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

Useful Links

Auto Lease Schedule of Charges

Customer Undertaking