Get your best car-loan offer

A dedicated loan expert compares the banks and handles the paperwork. You just pick the car. Start with the quick form, no documents needed.

1.99%
Rates from*
2-5 days
Typical approval
10+
Bank partners
*New-car rate, subject to bank approval.
✓ Zero down-payment options ✓ Salaried & self-employed ✓ Free, no-obligation check

Apply in 60 seconds

Three quick details and your dedicated advisor compares 10+ banks for the best rate you qualify for.

Verify

Car loans in the UAE are only available to UAE residents. Which of these is you?
A UAE car loan needs UAE residency, so we cannot arrange finance on this one. Everything else on OneClickDrive is still open to you. You can buy this car outright, rent, or have us help you export it.
Continue to the car
AED infoicon
✓ Free, no-obligation check. By continuing you agree to be contacted by OneClickDrive & its finance partner(s). How we use your data
OneClickDrive senior auto-finance advisor in a Dubai showroom
Rohit Khanna
Senior Auto Finance Advisor
14+
Years in UAE auto finance
5,000+
Loans arranged
Your dedicated expert

A real specialist negotiates your loan, not a call centre.

Banks quote everyone the same rack rate. Our advisors know which lender wants your profile this month, who waives the down payment, and who approves self-employed and new-residency applicants. One point of contact, from quote to keys.

  • ✓ Compares live offers across 10+ banks so you don’t have to apply one by one
  • ✓ Handles the bank & RTA paperwork end-to-end
  • ✓ Structures down payment & tenure to fit your monthly budget
  • ✓ Works for used cars, new cars, and refinancing an existing loan
Match me with an expert →
White-glove service

From quote to keys, we handle everything.

Your advisor compares the banks, locks in your approval, and handles the bank & RTA paperwork. The first form you touch is the one that hands you the keys.

How it works

From calculation to keys in four steps

No branch visits. No chasing banks. We do the running around.

Calculating a car loan EMI on a phone with the Dubai skyline behind

1Calculate

Use the EMI calculator to set the price, down payment and tenure that fit your budget.

Applying for a car loan online from home in minutes

2Apply in 60s

Share a few details and your approval score. No documents needed to start.

A OneClickDrive loan advisor securing an approval for a client

3Expert matches you

Your advisor compares live bank offers and secures the best rate for your profile.

A happy couple collecting the keys to their new car

4Drive away

We finalise the paperwork with the bank & RTA and hand you the keys.

Eligibility & documents

What you need to qualify

Most applicants are approved in 2–5 working days. Here’s what banks typically look for.

What to bring

notesicon Documents you’ll need

  • ✓ Valid Emirates ID
  • ✓ Passport & UAE residence visa copy
  • ✓ Valid UAE driving licence
  • ✓ Salary certificate / trade licence (self-employed)
  • ✓ Last 3–6 months’ bank statements
Do you qualify?

checkicon Typical eligibility

  • ✓ UAE resident, salaried or self-employed
  • ✓ Minimum salary from ~AED 5,000/month (lender dependent)
  • ✓ Past employment probation (or 1+ year self-employed)
  • ✓ Clean repayment history, no active defaults
  • ✓ Down payment from 0–20% (zero-down options available)
eligibity_notes

Don't tick every box? Don’t rule yourself out. Self-employed, new-residency and lighter-credit profiles are exactly where our experts add the most value, we know which lenders say yes.

Used vs new

Financing a used or a new car in the UAE

Both are easy to finance, the maths just differs. Here’s the honest version.

Gently used 2022 Audi Q5 in immaculate condition on a Dubai street

Used car finance

Interest rates from ~2.49% · up to 80% funded

The smart-money choice in the UAE: a 1–3 year old car has already taken its steepest depreciation, so you finance less and lose less. Tenures up to 5 years are common, and pre-owned premiums are well within reach on a modest EMI.

Browse used cars on OneClickDrive →
Brand-new Zeekr 9X SUV outside a modern showroom at Ras Al Khor Car Market, Dubai

New car finance

Interest rates from ~1.99% · up to 80% funded · 0%-down options

Lowest headline rates and longer tenures (up to 5–7 years), often with dealer cash-back. Just weigh the rate against first-year depreciation, your expert will model used vs new side by side so you can see the true cost of ownership.

Explore new car prices →
FAQ

Car loan questions, answered

How much down payment do I need for a car loan in the UAE? +
Under UAE Central Bank rules, a bank can finance up to 80% of the car's value, so 20% is the standard minimum down payment. In practice you often pay far less out of pocket: many OneClickDrive dealers run 0% down-payment offers (the dealer covers that portion through a promotion or partner bank), and some banks waive it for salaried buyers who transfer their salary. Your advisor will tell you exactly which 0%-down options you qualify for.
How long does approval take? +
For salaried applicants with complete documents, approvals commonly come through in 2–5 working days. Self-employed files can take a little longer depending on the bank.
Can self-employed or new UAE residents get a car loan? +
Yes. Requirements differ, banks usually want a valid trade licence and 6–12 months of business banking for self-employed applicants, and some lenders specialise in new-residency files. This is exactly where a dedicated advisor saves you from rejections.
What’s the difference between a flat rate and a reducing-balance rate? +
A flat rate is charged on the original loan amount for the whole term; a reducing-balance rate is charged only on what you still owe, so it falls each month. A reducing rate of, say, 4.5% is much cheaper than a flat 4.5%. Our calculator uses the reducing-balance method.
Can I finance a used car bought from a private seller? +
Yes, most banks finance used cars up to a certain age (commonly the car must be under ~7–10 years old at the end of the loan term). We handle the bank valuation, transfer and RTA paperwork.
Can I settle or refinance my loan early? +
Yes. UAE Central Bank rules cap the early-settlement fee at 1% of the outstanding balance (maximum AED 10,000), so paying off ahead of schedule is affordable. You can also refinance to a lower rate later, ask your expert to review your current loan for free.
Does applying on OneClickDrive affect my credit score? +
Submitting this form does not touch your credit file, we only review the details you share with us. An AECB credit check happens later, once your advisor proceeds with a formal bank application, and only with your consent.
Is there a fee for using OneClickDrive’s loan service? +
Getting matched and quoted is free. Your advisor is paid by the lending bank, so the comparison and paperwork support cost you nothing.

Ready to drive? Let’s get you approved.

Apply in under a minute and we’ll connect you with a dedicated loan expert today.

Start my application →

OneClickDrive is a car marketplace platform. We are not a lender, broker or financial institute. The car loan service will be provided by an exclusive finance partner (or partners) of OneClickDrive that offers such a service.