Minimum Salary Salary Transfer Early Settlement Fees Maximum Term Flat Rate Reducing Rate
Emirates islamic - Auto Finance Emirates islamic - Auto Finance Minimum Salary: AED 5,000 Salary Transfer: No Early Settlement Fees: 1% Maximum Term: 5 Years Flat Rate: 1.89% Reducing Rate: 3.61%
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This Ramadan, enjoy the best offers on Auto Finance with Emirates Islamic including competitive profit rates, fast processing and an easy application process.

Bring home your dream car with rates starting from 1.89% flat p.a.*


  • Auto Finance with profit rate starting from 1.89% flat per annum (equivalent to 3.61% reducing p.a.)*
  • First payment holiday of up to 120 days**
  • 0% profit payment plans for up to 36 months on Emirates Islamic Credit Cards for spends at key car dealerships***
  • Banking customers can apply for an Auto Finance from the comfort of their home
  • Emirate Islamic Auto Finance follows as Shariah Compliant Murabaha structure
Offer valid till 31 May 2024.

** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual profit rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual profit rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different profit rates and fee structures.
Representative Example Calculator
ADCB Islamic Banking - Car Finance
Minimum Salary
AED 5,000
Flat Rate