Auto Lease

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

Know more

Apply now

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

Know more

Apply now

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

Know more

Apply now

Check out our exclusive

Auto Lease offers

Limited time offer

Volkswagen

Get your hands on the 2024 Volkswagen GTI.

Terms and conditions:

ENBD's terms and conditions:

The offer is with Saudi Arabian Marketing & Agency Company - SAMACO only.
The offer is applicable on specific Golf -GTI model 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.
Minimum income requirement: salaried: SAR 10,000 & self-employed: SAR 30,000.
Minimum qualifying Simah score: Simah score of 550 and above for availing 50-50 financing for 2 years.
Campaign valid till 31^st December, 2023.
APR at 3.89% with admin fee & without insurance.
Terms and conditions for branch of Emirates NBD Bank - KSA Auto Lease apply.

SAMACO terms and conditions:

Vehicle warranty: 5 years / open mileage.
Service plan: 5 years / 75,000 KM.
Roadside assistance: 5 years.

Apply Now

Audi

A Nod To The Kingdom’s Visionaries

Be one of the exclusive few to drive the luxuriously new Audi Kingdom models available through Emirates NBD’S Auto Lease program.

EMI starting from 12,179 SAR* for salaried customers
0% Down Payment
35% Balloon Payment
No Salary Transfer requirement
Financing available for Business Owners Customers
5 Years extended warranty
5 Years Roadside Assistance
5 Years Service (5 Years or 75,000 KM whichever comes first)
APR: 7.37%

Via Regular Leasing (12 to 60 months)
Terms & Conditions Apply

A Nod To The Kingdom’s Visionaries

Be one of the exclusive few to drive the luxuriously new Audi Kingdom models available through Emirates NBD’S Auto Lease program.

EMI starting from 9,322 SAR* for salaried customers
0% Down Payment
35% Balloon Payment
No Salary Transfer requirement
Financing available for Business Owners Customers
5 Years extended warranty
5 Years Roadside Assistance
5 Years Service (5 Years or 75,000 KM whichever comes first)
APR: 7.37%

Via Regular Leasing (12 to 60 months)
Terms & Conditions Apply

A Nod To The Kingdom’s Visionaries

Be one of the exclusive few to drive the luxuriously new Audi Kingdom models available through Emirates NBD’S Auto Lease program.

EMI starting from 10,172 SAR* for salaried customers
0% Down Payment
35% Balloon Payment
No Salary Transfer requirement
Financing available for Business Owners Customers
5 Years extended warranty
5 Years Roadside Assistance
5 Years Service (5 Years or 75,000 KM whichever comes first)
APR: 7.37%

Via Regular Leasing (12 to 60 months)
Terms & Conditions Apply

A Nod To The Kingdom’s Visionaries

Be one of the exclusive few to drive the luxuriously new Audi Kingdom models available through Emirates NBD’S Auto Lease program.

EMI starting from 9,567 SAR* for salaried customers
0% Down Payment
40% Balloon Payment
No Salary Transfer requirement
Financing available for Business Owners Customers
5 Years extended warranty
5 Years Roadside Assistance
5 Years Service (5 Years or 75,000 KM whichever comes first)
APR: 7.13%

Via Regular Leasing (12 to 60 months)
Terms & Conditions Apply

Apply Now

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

Apply Now

Mercedes

Models:

EQS 450+: EMI starting from SAR 9,988 for salaried customers.
EQS 580: EMI starting from SAR 11,139 for salaried customers.
EQE 350+: EMI starting from SAR 6,369 for salaried customers.
S450 4MATIC: EMI starting from SAR 10,451 for salaried customers.
S580 4MATIC: EMI starting from SAR 12,441 for salaried customers.

Warranty:

Model	MB Warranty	JACO Extended Warranty - Mileage Cover Up to (Km)	Separate Battery Warranty Certificate
EQS 450+ 4MATIC	2 Year	+4 Years or 200,000 KM - Whichever Comes First	10 Years or 250,000 Km -Whichever Comes First
EQE 580	2 Year	+4 Years or 200,000 KM - Whichever Comes First	10 Years or 250,000 Km -Whichever Comes First
EQE 350+	2 Year	+4 Years or 200,000 KM - Whichever Comes First	10 Years or 250,000 Km -Whichever Comes First
S450 4MATIC	2 Year	+3 Years or Unlimited Mileage	-
S580 4MATIC	2 Year	+3 Years or Unlimited Mileage	-

Apply Now

Bentley

Experience the luxury of the 2023 Bentley Continental GT, with our financing solutions.

Terms and conditions:

The offer is with Saudi Arabian Marketing & Agency Company - SAMACO only.
The offer is applicable on specific Bentley Continental-GT model 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.
Minimum income requirement: Based on customer DBR (Debt Burden Ratio).
Minimum qualifying Simah score: Simah score of 550 and above for availing 50-50 financing for 2 years.
Campaign valid till December 31^st.
APR at 0.39% Admin Fee included & excluding insurance.

Apply Now

Models:

MG ZS: EMI starting from SAR 853 for salaried customers.
MG GT:EMI starting from SAR 913 for salaried customers.
MG RX5: EMI starting from SAR 1,152 for salaried customers.
MG HS: EMI starting from SAR 1,187 for salaried customers.
MG RX8: EMI starting from SAR 1,440 for salaried customers.

Apply Now

Volkswagen

Get your hands on the 2024 Volkswagen GTI.

Terms and conditions:

ENBD's terms and conditions:

The offer is with Saudi Arabian Marketing & Agency Company - SAMACO only.
The offer is applicable on specific Golf -GTI model 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.
Minimum income requirement: salaried: SAR 10,000 & self-employed: SAR 30,000.
Minimum qualifying Simah score: Simah score of 550 and above for availing 50-50 financing for 2 years.
Campaign valid till 31^st December, 2023.
APR at 3.89% with admin fee & without insurance.
Terms and conditions for branch of Emirates NBD Bank - KSA Auto Lease apply.

SAMACO terms and conditions:

Vehicle warranty: 5 years / open mileage.
Service plan: 5 years / 75,000 KM.
Roadside assistance: 5 years.

Apply Now

Audi

A Nod To The Kingdom’s Visionaries

Be one of the exclusive few to drive the luxuriously new Audi Kingdom models available through Emirates NBD’S Auto Lease program.

EMI starting from 12,179 SAR* for salaried customers
0% Down Payment
35% Balloon Payment
No Salary Transfer requirement
Financing available for Business Owners Customers
5 Years extended warranty
5 Years Roadside Assistance
5 Years Service (5 Years or 75,000 KM whichever comes first)
APR: 7.37%

Via Regular Leasing (12 to 60 months)
Terms & Conditions Apply

A Nod To The Kingdom’s Visionaries

Be one of the exclusive few to drive the luxuriously new Audi Kingdom models available through Emirates NBD’S Auto Lease program.

EMI starting from 9,322 SAR* for salaried customers
0% Down Payment
35% Balloon Payment
No Salary Transfer requirement
Financing available for Business Owners Customers
5 Years extended warranty
5 Years Roadside Assistance
5 Years Service (5 Years or 75,000 KM whichever comes first)
APR: 7.37%

Via Regular Leasing (12 to 60 months)
Terms & Conditions Apply

A Nod To The Kingdom’s Visionaries

Be one of the exclusive few to drive the luxuriously new Audi Kingdom models available through Emirates NBD’S Auto Lease program.

EMI starting from 10,172 SAR* for salaried customers
0% Down Payment
35% Balloon Payment
No Salary Transfer requirement
Financing available for Business Owners Customers
5 Years extended warranty
5 Years Roadside Assistance
5 Years Service (5 Years or 75,000 KM whichever comes first)
APR: 7.37%

Via Regular Leasing (12 to 60 months)
Terms & Conditions Apply

A Nod To The Kingdom’s Visionaries

Be one of the exclusive few to drive the luxuriously new Audi Kingdom models available through Emirates NBD’S Auto Lease program.

EMI starting from 9,567 SAR* for salaried customers
0% Down Payment
40% Balloon Payment
No Salary Transfer requirement
Financing available for Business Owners Customers
5 Years extended warranty
5 Years Roadside Assistance
5 Years Service (5 Years or 75,000 KM whichever comes first)
APR: 7.13%

Via Regular Leasing (12 to 60 months)
Terms & Conditions Apply

Apply Now

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

Apply Now

Mercedes

Models:

EQS 450+: EMI starting from SAR 9,988 for salaried customers.
EQS 580: EMI starting from SAR 11,139 for salaried customers.
EQE 350+: EMI starting from SAR 6,369 for salaried customers.
S450 4MATIC: EMI starting from SAR 10,451 for salaried customers.
S580 4MATIC: EMI starting from SAR 12,441 for salaried customers.

Warranty:

Model	MB Warranty	JACO Extended Warranty - Mileage Cover Up to (Km)	Separate Battery Warranty Certificate
EQS 450+ 4MATIC	2 Year	+4 Years or 200,000 KM - Whichever Comes First	10 Years or 250,000 Km -Whichever Comes First
EQE 580	2 Year	+4 Years or 200,000 KM - Whichever Comes First	10 Years or 250,000 Km -Whichever Comes First
EQE 350+	2 Year	+4 Years or 200,000 KM - Whichever Comes First	10 Years or 250,000 Km -Whichever Comes First
S450 4MATIC	2 Year	+3 Years or Unlimited Mileage	-
S580 4MATIC	2 Year	+3 Years or Unlimited Mileage	-

Apply Now

Bentley

Experience the luxury of the 2023 Bentley Continental GT, with our financing solutions.

Terms and conditions:

The offer is with Saudi Arabian Marketing & Agency Company - SAMACO only.
The offer is applicable on specific Bentley Continental-GT model 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.
Minimum income requirement: Based on customer DBR (Debt Burden Ratio).
Minimum qualifying Simah score: Simah score of 550 and above for availing 50-50 financing for 2 years.
Campaign valid till December 31^st.
APR at 0.39% Admin Fee included & excluding insurance.

Apply Now

Models:

MG ZS: EMI starting from SAR 853 for salaried customers.
MG GT:EMI starting from SAR 913 for salaried customers.
MG RX5: EMI starting from SAR 1,152 for salaried customers.
MG HS: EMI starting from SAR 1,187 for salaried customers.
MG RX8: EMI starting from SAR 1,440 for salaried customers.

Apply Now

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 ?

Salary

8000 SAR 500000 SAR

Car Price

20000 SAR 1200000 SAR

Down Payment

0 % 90 %

Balloon Payment

3 % 35 %

Tenor

1 Years 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 : 15^th August 2020

1. Customer Type?

Saudi Expat

2. Car Type?

Standard / Luxury Sports / Coupe

Finance Amount

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Down Payment Amount

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Term Cost

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Balloon Payment Amount

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APR

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Management Fees

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Total Repayment amount

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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.

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

Useful Links

Auto Lease Schedule of Charges

Customer Undertaking

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 1,000,000

*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
Self-employed: A minimum of 1 year in business

Approved brands under 50/50 program:

Bentley
Lamborghini**
Land Rover/Range Rover
Mercedes
BMW
Porsche
Audi
Volkswagen
Mini Cooper

Please contact our Bank Representative in the showroom to know about other vehicles under the 50/50 program

**On Case to Case basis

Leasing Tenor:

24 Months

Financing Cap:

Self-Employed Customers (50-50 Cars)

Credit Criteria
Minimum Monthly Income	SAR 30,000
Finance Amount (Principal only)	SAR 1,000,000 for All Brands

Salaried Customers (50-50 Cars)

Credit Criteria
Minimum Monthly Income	SAR 15,000
Finance Amount (Principal only)	SAR 750,000 for All Brands

*Terms & Conditions apply

Eligibility

Employment Criteria:

For salaried segment the minimum monthly income should be SAR 8,000 and above
For self-employed segment the minimum monthly revenue should be SAR 30,000 and above

Approved Brands Under the Certified Pre-Owned Program

Land Rover/Range Rover
Mercedes
BMW
Audi
Jaguar
Lexus
Infiniti
Bentley
VW
Porsche
Cadillac
GMC
Chevrolet
Toyota Land Cruiser
Toyota Prado
Nissan Patrol

Financing Cap:

Salaried Customers (Pre-Owned Cars)

Credit Criteria
Finance Amount (Principal only)	SAR 750,000 (Depending upon DBR and other checks)

Self-Employed Customers (Pre-Owned Cars)

Credit Criteria
Finance Amount (Principal only)	SAR 1,000,000 (Depending upon DBR and other checks)

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

The car of your dreams is now within your reach

Auto Lease Programs

Select the program that is right for you!

The Auto Lease program that provides you flexible payment terms

The program which allows you to fully own your vehicle in 24 months

Our certified pre-owned vehicles provide you with the luxury you require on the road

Check out our exclusive

Auto Lease offers

Our swift & enhanced aftersales services

Auto Lease Calculator

Auto Lease Financing Example

Auto Lease Product Features

Auto Lease Insurance Features

Useful Links

Eligibility

Eligibility

Eligibility

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