Fixed Rate Auto Loan

An unparalleled ownership experience

Get started on your road trip with your dream car and a host of exclusive benefits and savings

Free Bank Account
Free Credit Card for the first year
Flexible Payment Options
Get your pre-qualification letter
Fixed Rate Auto Loan
At a glance
Benefits
Required documents
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Key facts statement
Get your loan

Get your car and fill it with cherished memories

Preferential interest rates
Loan amounts of up to 80% of vehicle cost
Maximum tenure 5 years

Key benefits and highlights

  • Loan approvals in half a day with easy process and simple documentation.
  • Attractive pricing for passenger and business vehicles with flexible payment options.
  • Large distribution channels with vast branch network and secure online and mobile banking.
  • Online Salik Recharge and RTA fine payment facility.
  • Preferential Motor Insurance rates through our preferred partners.
  • Free bank account and free credit card for the first year.

Terms and conditions apply.

** This is a service offered by Emirates NBD's Motor Insurance Service providers whereby the car is picked up from the customers location prior appointment is required and dropped back after completing the registration. The actual charges pertaining to the registration and testing if needed will have to be borne by the customer.
*** This is a service offered by our third party service providers through motor insurance or credit card.

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I want to borrow

AED 25,000 AED 300,000
12 months 60 months

You can borrow AED {0} Auto Loan

with monthly payments as low as

AED  
Flat rate: 2.69% p.a. and reducing rate of 5.06% p.a. Terms and conditions apply. Interest rates vary by tenor & subject to bank policy

Benefits of getting a loan with Emirates NBD

Easy process and documentation

We make getting an auto loan easy with half-day approvals and minimal documentation especially with a good AECB score

Free credit card and bank account

Get a credit card with no annual fees for the first year and a new bank account

Preferred pricing on pre-owned vehicles

Going for a pre-owned car? Get preferential pricing for both cars and corporate fleets

Eligibility

Minimum down payment: 20%

For salaried customers only

Documents required to apply

  • Auto loan application form
  • KYC forms (available at the branch or with the sales staff)
  • Original Emirates ID and copy or passport and copy with resident visa page
  • Signed Etihad Credit Bureau consent form and UAE FTS (statement of account)
  • Salaried individual: latest 3-month bank statement
  • Self-employed individual: latest 3-months bank statement
  • Trade License copy
  • Memorandum of association (MOA) and Articles of Association (AOA)
  • Power of Attorney (POA) borrowing power

To find out more on how to apply, click here. 

You can apply for a mortgage release on your car only when you have paid back your loan in full. This service is free of cost.

Apply by e-mail to customersupport@emiratesnbd.com or visit a branch with the documents below.

Things to remember when emailing us:

Documents you need to attach to the email or bring with you to the branch:

For vehicles registered in Dubai: 

  • Vehicle Mulkiya and Emirates ID (bring the original to the branch)

For vehicles registered in Abu Dhabi, Al-Ain, Sharjah and other Emirates:

  • Vehicle Mulkiya copy (both sides)
  • Emirates ID or Trade License copy if the vehicle is registered in a company's name.

To find how to get a mortgage release on your auto loan, click here

  • Auto loan application form
  • KYC forms (available at the branch or with the sales staff)
  • Original Emirates ID and copy or passport and copy with resident visa page
  • Signed Etihad Credit Bureau consent form and UAE FTS (statement of account)
  • Salaried individual: latest 3-month bank statement
  • Self-employed individual: latest 3-months bank statement
  • Trade License copy
  • Memorandum of association (MOA) and Articles of Association (AOA)
  • Power of Attorney (POA) borrowing power

To find out more on how to apply, click here. 

You can apply for a mortgage release on your car only when you have paid back your loan in full. This service is free of cost.

Apply by e-mail to customersupport@emiratesnbd.com or visit a branch with the documents below.

Things to remember when emailing us:

Documents you need to attach to the email or bring with you to the branch:

For vehicles registered in Dubai: 

  • Vehicle Mulkiya and Emirates ID (bring the original to the branch)

For vehicles registered in Abu Dhabi, Al-Ain, Sharjah and other Emirates:

  • Vehicle Mulkiya copy (both sides)
  • Emirates ID or Trade License copy if the vehicle is registered in a company's name.

To find how to get a mortgage release on your auto loan, click here

Apply for an Emirates NBD loan and be part of the most innovative bank in the region

What our customers are saying

"Emirates NBD is the best provider for car finance"
Apply now
Support

How can we help?

Applying for an auto loan
Your credit score
Your debt-burden ratio

Early loan settlement
Partial loan settlement

Direct debit for loans
Restructure your loan

Are you struggling financially?
Defer your loan payments

Our accessible and inclusive banking services
Have a question? Visit our Help & Support section for answers to your queries.

Things you need to know

Borrow wisely and ensure you go through the list of documents for all the fees and charges you'll incur and the terms and conditions involved when you get a loan from us. 

  • If you do not meet the monthly repayments on your loan, your account will go into arrears and incur late payment fee.
  • When you miss repayments, this could affect your credit score and limit your ability to access loan/financing in the future.
  • When you refinance your loan or avail installment deferments, it may take longer to pay off than your previous loan. It may also result in paying more interest.

Important links and documents

Key facts statement - fixed interest rate

Schedule of fees & charges

Auto loans T&Cs

Key facts statement - variable interest rate

Discover

Buy your dream car from our partners

AUTOSWAP in partnership with dubizzle

AUTOSWAP lets you sell your vehicle and buy another used vehicle from dubizzle without settling your existing loan.

AUTOSWAP with dubizzle

Same day loan approval and 7-day easy return with CARS24

Get your dream car at your doorstep with CARS24’s wide range of pre-owned cars and Emirates NBD’s same-day finance.

Get your dream car with Cars24

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Green Auto Loan

Take part in our Green Auto Initiative and protect the environment

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Having a higher AECB score gives you more benefits

  • No salary transfer requirement
  • It's not mandatory for your company to be listed with us
  • No need to submit bank statements
  • Minimum length of service is not required

Now, make all your loan and credit card payments through one simple, yet effective solution. It's time to eliminate all your hassles as you cut down on your monthly payments.

  • Enjoy preferential interest rates
  • One manageable payment plan for all your existing debts
  • One single monthly payment for your convenience

Learn more about how debt consolidation works

Apply now

Get everything you need for the drive of your dreams.

  • Select a car of your choice
  • Meet our representative at the dealership
  • Experience our Auto Finance paperless process
  • Have your application evaluated instantly

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Emirates NBD Bank (P.J.S.C.) is licensed by the Central Bank of the UAE, Baniyas Road, Deira, P.O. Box: 777, Dubai, UAE

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