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

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*:

  • 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)*
  • 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)*
  • 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) *
  • 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

Customer Service

Our swift & enhanced aftersales services

  • Insurance claim
  • Total loss claims
  • Local Driving Authorization (New/Renewal)
  • Lease Transfer Request
  • Insurance Certificate 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 ?
3. Select Model Type ?
SAR 20000 SAR 1200000
% 0 % 90
% 3 % 35
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 TypeNew carsCertified pre owned50-50
Salary assignedMinimum monthly salary required for this financing option is SAR 5000Minimum monthly salary required for this financing option is SAR 5000Minimum monthly salary required for this financing option is SAR 10000
Non salary assignedMinimum monthly salary required for this financing option is SAR 5000Minimum monthly salary required for this financing option is SAR 5000Minimum monthly salary required for this financing option is SAR 10000
Self employedMinimum monthly salary required for this financing option is SAR 30000Minimum monthly salary required for this financing option is SAR 30000Minimum monthly salary required for this financing option is SAR 30000

Last modification : 24th April 2025

1. Customer Type?

2. Car Type?

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Balloon Payment 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.

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
3
Repayment period from 1 to 5 years
5
Shariah compliant
4
Ability of early settlement
6
Option to transfer the lease from existing to new customer
7
Facility to use the car abroad in GCC* countries & Jordan with insurance coverage
8
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*
2
Insurance coverage for GCC countries*
3
Personal Accidents Benefits for the driver in case of accidents or death ( god forbid )*
5
Emergency medical expense*
4
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

Eligibility

Minimum Income:

  • Salaried: 5K
  • Business Owners/Investor: 25K
  • Salaried (New to Credit): 8K (Customers with no active credit instrument or credit instrument < 6 months in SIMAH report).

Minimum Age:

  • 21 years (STL/NSTL)
  • 25 years (Business Owners/Investor)
  • Government Sector Hijra and Private sectors including Self Employed Gregorian.

Maximum Age at maturity:

  • Salaried: 65 years
  • With the following additional conditions:
  • Customer should provide evidence that retirement age is beyond 60 years.
  • Saudi:
  • ALE: All
  • Non-ALE: 2-year LOS with current employer
  • Expats:
  • ALE: All
  • Non-ALE: 5% higher DP & 2 years LOS with current employer
  • Business Owners/Investor: 70 years
  • * For military sector, age at maturity will depend upon retirement age based on rank.

Maximum Tenure:

  • 60 Months

Maximum Mileage:

  • Not Applicable (Since it’s a New Vehicle)

Length of Service:

  • Salaried Saudi: After 1st Full Salary Credit
  • Salaried Expat ALE: After 1st Full Salary Credit
  • Salaried Expat Non-ALE:
    • Income >= 10K: After 1st Full Salary Credit
    • Income < 10K: 3 Months LOS
  • Saudi Business Owners/Investor: At least 1 Year in Business
  • Expats Business Owners/Investor: At least 1 Year in Business
  • (For Expat Business Owners/Investor the Business should have min. 5 employees)

Maximum Loan Amount:

Maximum finance amount should be allowed as per DBR. However, following caps will apply:

    Salaried:
  • Single Car: up to 1 Mn
  • Customer level: up to 1.5 Mn
    Business Owners/Investor:
  • Single car: up to 1.5 Mn
  • Customer level: up to 2.0 Mn

Maximum Number of cars:

  • Saudi: No cap, if DBR is available. However, minimum 6 months relationship required on first existing active auto lease to be eligible for 4th car onwards.
  • Expats: 2 cars

Brands:

All Car Brands (Approved Chinese Brands listed below)

  • Approved Chinese Brands:
  • MG
  • Changan
  • Haval
  • GAC
  • Chery
  • Geely
  • Jetour

*Terms & Conditions apply

Eligibility

Minimum Income:

  • Salaried: 10K
  • Business Owners/Investor: 30K

Minimum Age:

  • 21 years (STL/NSTL)
  • 25 years (Business Owners/Investor)
  • Government Sector Hijra and Private sectors including Self Employed Gregorian.

Maximum Age at maturity:

  • Salaried: 65 years
  • With the following additional conditions:
  • Customer should provide evidence that retirement age is beyond 60 years.
  • Saudi:
  • ALE: All
  • Non-ALE: 2-year LOS with current employer
  • Expats:
  • ALE: All
  • Non-ALE: 5% higher DP & 2 years LOS with current employer
  • Business Owners/Investor: 70 years
  • * For military sector, age at maturity will depend upon retirement age based on rank.

Maximum Tenure:

  • 24 Months

Maximum Mileage:

  • New Car: No change
  • Used Car:
    • Same Year Model 30K KMs
    • 1 Year Old Model 60K KMs
    • 2 Years Old Model 80K KMs
    • 3 Years Old Model 100K KMs

Length of Service:

  • Salaried Saudi: After 1st Full Salary Credit
  • Salaried Expat ALE: After 1st Full Salary Credit
  • Salaried Expat Non-ALE:
    • Income >= 10K: After 1st Full Salary Credit
    • Income < 10K: 3 Months LOS
  • Saudi Business Owners/Investor: At least 1 Year in Business
  • Expats Business Owners/Investor: At least 1 Year in Business
  • (For Expat Business Owners/Investor the Business should have min. 5 employees)

Maximum Loan Amount:

Maximum finance amount should be allowed as per DBR. However, following caps will apply:

    Salaried:
  • Single Car: up to 1 Mn
  • Customer level: up to 1.5 Mn
    Business Owners/Investor:
  • Single car: up to 1.5 Mn
  • Customer level: up to 2.0 Mn

Maximum Number of cars:

  • Saudi: No cap, if DBR is available. However, minimum 6 months relationship required on first existing active auto lease to be eligible for 4th car onwards.
  • Expats: 2 cars

Brands:

  • All new car models will be eligible (except Chinese) subject to minimum car value of 100k.
  • New Chinese SUVs eligible subject to minimum car value of 100k. (approved Chinese brands listed below)
  • Used vehicles:
    1. Luxury / high-end models with warranty will be eligible.
    2. Minimum vehicle value should be 150k.

*Terms & Conditions apply

Eligibility

Minimum Income:

  • Salaried: 5K
  • Business Owners/Investor: 25K
  • Salaried (New to Credit): 8K (Customers with no active credit instrument or credit instrument < 6 months in SIMAH report).

Minimum Age:

  • 21 years (STL/NSTL)
  • 25 years (Business Owners/Investor)
  • Government Sector Hijra and Private sectors including Self Employed Gregorian.

Maximum Age at maturity:

  • Salaried: 65 years
  • With the following additional conditions:
  • Customer should provide evidence that retirement age is beyond 60 years.
  • Saudi:
  • ALE: All
  • Non-ALE: 2-year LOS with current employer
  • Expats:
  • ALE: All
  • Non-ALE: 5% higher DP & 2 years LOS with current employer
  • Business Owners/Investor: 70 years
  • * For military sector, age at maturity will depend upon retirement age based on rank.

Maximum Tenure:

  • Same Year Model: 60 Months
  • 1 Year Old Model: 48 Months
  • 2 Years Old Model: 36 Months
  • 3 Years Old Model: 24 Months

Maximum Mileage:

  • Same Year Model 30K KMs
  • 1 Year Old Model 60K KMs
  • 2 Years Old Model 80K KMs
  • 3 Years Old Model 100K KMs

Length of Service:

  • Salaried Saudi: After 1st Full Salary Credit
  • Salaried Expat ALE: After 1st Full Salary Credit
  • Salaried Expat Non-ALE:
    • Income >= 10K: After 1st Full Salary Credit
    • Income < 10K: 3 Months LOS
  • Saudi Business Owners/Investor: At least 1 Year in Business
  • Expats Business Owners/Investor: At least 1 Year in Business
  • (For Expat Business Owners/Investor the Business should have min. 5 employees)

Maximum Loan Amount:

Maximum finance amount should be allowed as per DBR. However, following caps will apply:

    Salaried:
  • Single Car: up to 1 Mn
  • Customer level: up to 1.5 Mn
    Business Owners/Investor:
  • Single car: up to 1.5 Mn
  • Customer level: up to 2.0 Mn

Maximum Number of cars:

  • Saudi: No cap, if DBR is available. However, minimum 6 months relationship required on first existing active auto lease to be eligible for 4th car onwards.
  • Expats: 2 cars

Brands:

All Car Brands, except Chinese Cars

*Terms & Conditions apply

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Branch of Emirates NBD Bank, Commercial Registration No. 1010191741- CR Unified Number 7001460414 P.O. Box 8166, Telephone: 011 282 5555. National Address: 8152, King Fahd Road, Al Muhammadiyah District, Unit 1, Riyadh 12363-4380 Certified with the Certificate number 1/150. The bank is licensed and regulated by SAMA.

Emirates NBD