Apply for an auto loan

How to apply, what documents you need and all about our car loan fees and charges


Buy any car in the UAE

You can apply for an Emirates NBD car loan to buy any vehicle of your choice in the UAE provided you meet the criteria for the loan.


Why you should get a car loan from us: 

  • Easy process and documentation
  • Green loans for electric cars
  • Preferred pricing for pre-owned vehicles and fleet
  • You can ask for a Shari'a compliant loan
  • It's even easier if you have a high AECB credit score - you can get a higher amount and a lower interest rate
  • You get a free credit card and 0% installment payment plan 


To apply for an auto loan with us, you need to be:

  • A UAE national or a UAE resident.
  • Between 21 and 60 years old.
  • Earning a minimum salary of AED 7,000.

If you’re self-employed, you need an average balance of AED 20,000 in your account.

We have a range of auto loans with different features and benefits, including a Green Auto Loan which you might like to consider.

If you’d like to talk to us, fill in this form and one of our auto loan experts will call you back.

How to apply

If you’re self-employed, you can apply for an auto loan only through our website or by visiting one of our business banking centers.


What's next

Your application will be processed within 7 to 10 working days. Once it's approved, your loan amount will be transferred to the car dealership or seller immediately.

Documents required

  • Your passport
  • UAE residency visa and Emirates ID with copies
  • A copy of your Driver’s License
  • Idbara page (for UAE Nationals)
  • Labour Card or Work ID copy
  • Three-month bank statement (if you’re not banking with Emirates NBD)
  • If you're self-employed, you'll need your trade license copy, memorandum and article of association
  • For used vehicles, you'll need the seller’s passport, Emirates ID copy and valuation certificate from the dealership
  • For new vehicles, you'll just need a quotation from the dealership

The bank may ask you for additional documents in some cases.

Fees and charges

Our finance charges for car loans are one of the best in the market:

  • Processing fee (for new and used vehicles): 1.05% of the loan amount (min AED 525 and max AED 2,625 inclusive of VAT)
  • Change of registration: free of cost

To find out more on our fees and charges click here

Please click on your banking package below to learn more: