Choose your website / عربي 
Choose your language
التغيير الى العربية English
Get the Emirates NBD Mobile App
Open your account instantly.
Scan this QR code to start
OR
Apply online
Use UAE Pass to submit your application faster.
You must be more than 18 years old and have:
An active UAE mobile number
An Emirates ID
Your passport
Proof of income
A minimum salary of AED 5,000
Auto Loans
Right financing in place without any hassle or delay
When the time comes for you to buy a new car you want to have the right financing in place without any hassle or delay.
Emirates NBD’s Auto Loans are widely recognized among the most reliable and efficient in the UAE. With a range of options to suit your unique needs, we’ll give you the right loan to put you in the driver’s seat of your new car.
FlexiDrive
The auto loan with flexible interest rates
FlexiDrive from Emirates NBD is an auto loan that offers a flexible interest rate that adjusts every month in step with the UAE's EIBOR. This loan has attractive rates starting from 1.50%* p.a. (flat) and a host of special benefits to get you moving.Other features include:
- More transparent pricing due to being linked to the UAE's 1-month EIBOR
- Lower EMI with higher eligibility
- Half-day approvals
That’s not all – with an Emirates NBD FlexiDrive loan, you can also receive a first year free Premium Credit Card* of your choice and enjoy its exclusive benefits. Existing card holders will receive a free renewal.
*2.80% reducing
**Applicable on loans of AED 250,000 and above
What are people asking?
- What does EIBOR stand for?
EIBOR is the "Emirates Interbank Offered Rate" or essentially the national base interest rate
- How does Variable Pricing work?
Emirates NBD’s FlexiDrive loan has a variable rate combining the EIBOR base rate plus a margin as agreed upon at the time of application, with a review every month. This means that your base rate will be reviewed and refreshed to reflect the current month’s EIBOR.
- Where can I find EIBOR rates?
EIBOR rates are published and refreshed regularly on the UAE Central Bank website.
Personal Contract Purchase (PCP)
This program offers you another innovative way to drive and own your dream car
You can keep your monthly payment low by paying a deposit and deferring a significant portion of the total amount to the final repayment at the end of the agreement!
- Budget
- Drive the newest models
- Keep your options open at the end of the agreement
Auto Cash Loan
The loan today for the cash you paid yesterday
Did you purchase your car in cash? Emirates NBD’s Auto Cash Loan helps you refinance the cash you spent with very low rates.Its features include:
- Competitive rates, starting at 2.29% flat p.a.
- Quick and easy approvals
- AED 200 cash voucher if you apply via our Online or Mobile Banking
*Auto Cash Loans provide financing of up to 75% of the market price of the car. The market price is based on a valuation by approved evaluators of Emirates NBD.
Green Auto Loan
Helping you do your part for a healthier environment
World Pollution Prevention Week is from 18th to 23rd September, and we at Emirates NBD are committed to doing our part in saving the planet. We want to help transform our nation into a low-carbon economy in support of the sustainability agenda of UAE Vision 2021. Our Green Auto Loan provides offers on selected electric and hybrid cars as part of our Go Green initiative.This loan also includes:
- Half-day approvals
- Rates staring from 2.69% flat p.a. with processing fee applicable
*Terms and Conditions apply
Fixed Deposit Auto Loan
An auto loan is usually for a depreciating asset, but not with Emirates NBD. By making your down payment a profitable fixed deposit we can help you turn your loan into an investment.
Business Vehicle Loans
A top priority for your business is making sure your vehicles are up to date and right for the job. Emirates NBD’s low interest Business Vehicle Loans will help you finance the upgrades and replacements you need.
Auto Cash Loan
Did you purchase your car in cash? Emirates NBD’s Auto Cash Loan helps you refinance the cash you spent with very low rates.Its features include:
Fixed Deposit Auto Loan
A unique auto loan with guaranteed returns
An auto loan is usually for a depreciating asset, but not with Emirates NBD. By making your down payment a profitable fixed deposit we can help you turn your loan into an investment.
You will never see financing a car in the same way again.Other distinctive features of this loan package include:
- Best motor insurance rates
- Online Salik recharge & RTA fine payment facility
- Round-the-clock roadside assistance
- Free credit card for the first year
* Limited period promotion, for banking customers only. Terms and conditions apply
Loan Against Property for Expatriates
A loan against property you already own
If you already own a property in UAE, Emirates NBD can offer you the most convenient way to get the loan you need by mortgaging your owned and fully available property. This loan includes:
- Loans up to AED 10 million
- Easy instalments with loan tenors of up to 25 years
- Loan financing available for self-employed and salaried individuals
- Loan against freehold completed property in Dubai*
- Salary transfer not mandatory (terms & conditions apply)
- Up to 70% LTV*
*Properties can be registered with the relevant Government Department with a mortgage created in favour of Emirates NBD
*What is LTV?
LTV is the loan-to-value (LTV) ratio, which describes the size of a loan compared to the value of the property you are securing it for. Banks and building authorities use the LTV ratio to assess whether additional mortgage insurance is required for your loan to be approved.
Business Vehicle Loans
Helping your fleet meet the challenge
A top priority for your business is making sure your vehicles are up to date and right for the job. Emirates NBD’s low interest Business Vehicle Loans will help you finance the upgrades and replacements you need.
- Loans up to AED 3,500,000
- Special low interest rates starting from 3.99% flat rate p.a.*
- Finance available across a wide range of passenger and commercial vehicles
- Finance may be extended through a loan or credit facility
- For companies in both transport or non-transport sectors
Personal Contract Purchase (PCP)
This program offers you another innovative way to drive and own your dream car
You can keep your monthly payment low by paying a deposit and deferring a significant portion of the total amount to the final repayment at the end of the agreement!
- Budget
- Drive the newest models
- Keep your options open at the end of the agreement
How does it work?
- You begin by choosing your car
- We offer you the auto loan tenor fixed at 24 months or 36 months
- Pay the initial 20% as down payment.
- **Final repayment – based on the expected value of the car at the end of the agreement
- At the end of the agreement, you can select from three options.
- Refinance with Emirates NBD Auto Loan.
- Own the car by paying the final repayment.
- Return the car to the respective car dealer if there is an agreed "Buy Back" option signed at the start of the agreement.
**Max Residual Value - 60% for 24 months and 50% for 36 months
Required Documents
Find out the Required Documents for Auto Loan Application
- Auto Finance Application
- Auto Loan Application Form
- KYC forms (available at the branch or with the sales staff)
- Original Emirates ID and Emirates ID copy Or Original Passport & Passport copy with valid resident visa page
- Signed consent form of Etihad Credit Bureau & UAE FTS (Statement of Account)
Salaried Individual
- Latest 3 Months Bank Statement
Self-Employed Individual
- Latest 3 Months Bank Statement
- Trade License copy
- Memorandum of association (MOA) & Articles of Association (AOA)
- Power of Attorney (POA) borrowing power
- Auto Finance Mortgage Release
Mortgage release through e-mail or Emirates NBD Call centre
You can release the mortgage on your car through e-mail to customersupport@emiratesnbd.com or Emirates NBD call centre. This service is free of cost.
- Send the request from the e-mail address registered with the bank.
- Mention Auto loan Agreement ID or 20-digit Auto loan account number along with the registered mobile number with the bank.
- Mention "Auto Loan Mortgage Release" as e-mail subject line.
- Attach a clear scan image of the documents as mentioned below.
For Dubai registered vehicles
- Vehicle Mulkiya copy only (both sides)
- Vehicle Mulkiya copy (both sides)
- Emirates ID or Trade License copy in case vehicle is registered in company's name.
- Vehicle Mulkiya and Emirates ID (original)
- Vehicle Mulkiya (original)
- Emirates ID (original) or Trade License in case vehicle is registered in company's name.
- This document checklist contains the list of all the essential documents required to process your request.
- If any of the required documents as per the checklist are missing, the process of the application may be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Please ensure all documents are in order as per the checklist before visiting the branch, for quick processing and faster turnaround times.
For Abu Dhabi, Al-Ain, Sharjah, and other Emirates' registered vehicles
Mortgage release through Emirates NBD branch
You can release the bank mortgage on your car once you have settled your loan outstanding in entirety. In order, for the bank to process the release, the following will be required:
Visit to the nearest Emirates NBD (non-mall) branch and submit the Request for Mortgage Release with the following documents:
For Dubai registered vehicles
For Abu Dhabi, Al-Ain, Sharjah, and Other Emirates' registered vehicles
To find out more about how to release the mortgage on your Auto Loan, Click here
Please Note:
What are people asking?
- Am I eligible for a Priority Banking Auto Loan?
Our Auto Loans are open to new and existing customers of all nationalities
- What do I need to apply for an Auto Loan?
You need to provide us with the following documents:
Quotation from the dealer
- Identification
- Original Emirates ID and Emirates ID copy
- Valid Passport Copy with valid Resident Visa page
- Salaried Individuals
- Latest 3 Months Bank Statement
- Self-Employed Individuals
- Latest 3 Months Bank Statement
- Trade License copy
- Memorandum & Articles of Association (AOA)
- Power of Attorney (POA) with borrowing power
- Minors (Natural or Legal guardian to be the co-borrower)
Attested copies of guarantor & co borrower documents as listed below:
- Co-borrower's valid Passport and Resident visa page
- Income documents (If applicable)
- If Co-borrower is a company, then MOA & TL to be obtained. Passport copy of partners to be obtained.
Please Note:
- The above list contains all required documents, but additional documents may be requested at Emirates NBD’s sole discretion.
- To process your auto loan request, please bring all required documents at the time of application.
- Any missing documents may delay the processing of your application.
- Identification
- How do I get my Auto Loan Mortgage Release?
Please provide us with:
- Mulkiya Copy (Front and Back)
- Emirates ID
Talk to Us
To apply for a Priority Banking Auto Loan, please contact us on 800 100 and we’ll be happy to assist you.
Contact Us
And step into a new world
How was your website experience today?
Products
Customer Care
Security
Tools & Others
- Loan Calculators
- IBAN - Swift Numbers
- How to update your KYC details
- Fixed Deposit Rates
- FX Exchange Rates
- Form Centre
- New to UAE
Terms and Conditions
About Emirates NBD
- About Us
- Media Center & News
- Corporate Responsibility
- Investor Relations
- Financial Results
- Branches and ATMs
- Careers
Common Reporting Standard FAQ's
Subscribe and stay updated!
Get exclusive deals, latest promotions and important information
All this and more in the Emirates NBD newsletter
Shop with 
You are leaving the Emirates NBD Website
You will now be redirected to an external website to view this content. Emirates NBD or any of its subsidiaries does not bear liability/responsibility for any other information published by the website owner or publisher.
You will be redirected in 5 Seconds
