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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.
Required Documents
Find out the Required Documents for Auto Loan Application
- Auto Loan Application
- Identification
- Original Emirates ID and Emirates ID copy
- Valid Passport Copy with valid Resident Visa page
- Salaried Individual
- Latest 3 Months Bank Statement
- Self-Employed Individual
- Latest 3 Months Bank Statement
- Trade License copy
- Memorandum & Articles of Association (AOA)
- Power of Attorney (POA) with borrowing power
- Loan to Minor (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 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:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
- Identification
- Auto Loan Mortgage Release
- Mulkiya Copy (Front and Back)
- Emirates ID
Please Note:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
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.
Required Documents
Find out the Required Documents for Auto Loan Application
- Auto Loan Application
- Identification
- Original Emirates ID and Emirates ID copy
- Valid Passport Copy with valid Resident Visa page
- Salaried Individual
- Latest 3 Months Bank Statement
- Self-Employed Individual
- Latest 3 Months Bank Statement
- Trade License copy
- Memorandum & Articles of Association (AOA)
- Power of Attorney (POA) with borrowing power
- Loan to Minor (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 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:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
- Identification
- Auto Loan Mortgage Release
- Mulkiya Copy (Front and Back)
- Emirates ID
Please Note:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
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
Required Documents
Find out the Required Documents for Auto Loan Application
- Auto Loan Application
- Identification
- Original Emirates ID and Emirates ID copy
- Valid Passport Copy with valid Resident Visa page
- Salaried Individual
- Latest 3 Months Bank Statement
- Self-Employed Individual
- Latest 3 Months Bank Statement
- Trade License copy
- Memorandum & Articles of Association (AOA)
- Power of Attorney (POA) with borrowing power
- Loan to Minor (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 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:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
- Identification
- Auto Loan Mortgage Release
- Mulkiya Copy (Front and Back)
- Emirates ID
Please Note:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
Feature Packed Auto Loan
Everything you need for the car of your dreams
This is an auto loan that combines everything in one package. It has a host of exclusive benefits and savings, guaranteeing you a great experience of owning your perfect car.Its many features include:
- Half-day approvals with easy process and simple documentation
- Attractive pricing for both passenger and business vehicles
- Flexible payment options
- Online Salik recharge and RTA fine payment facility
- Preferential motor insurance rates through our preferred partners
- Free credit card for the first year
Compare Your Benefits
| Benefits | Competition | Feature Packed Auto Loan | Invest in your Auto Loan | Staggered Installment Plan (SIP) |
|---|---|---|---|---|
| Get the best Motor Insurance rates | No | Yes | Yes | Yes |
| Online Salik Recharge & RTA fine payment facility | No | Yes | Yes | Yes |
| Free Annual Registration renewal service at your doorstep | No | Yes | Yes | Yes |
| Round the clock Roadside Assistance | No | Yes | Yes | Yes |
| Free Credit Card for the first year | No | Yes | Yes | Yes |
| Free Bank Account | Yes | Yes | Yes | Yes |
| Down-payment converted into an interest bearing Fixed Deposit | No | No | Yes | No |
| Installments as low as 50% of the standard installment amount in the first initial year and the remaining repayments | No | No | No | Yes |
| Competitive Rate | Yes | Yes | Yes | Yes |
*Terms and conditions apply
** Refer to credit card Terms and Conditions for complete details
Required Documents
Find out the Required Documents for Auto Loan Application
- Auto Loan Application
- Identification
- Original Emirates ID and Emirates ID copy
- Valid Passport Copy with valid Resident Visa page
- Salaried Individual
- Latest 3 Months Bank Statement
- Self-Employed Individual
- Latest 3 Months Bank Statement
- Trade License copy
- Memorandum & Articles of Association (AOA)
- Power of Attorney (POA) with borrowing power
- Loan to Minor (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 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:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
- Identification
- Auto Loan Mortgage Release
- Mulkiya Copy (Front and Back)
- Emirates ID
Please Note:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
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.
Staggered Instalment Plan
With this flexible instalment plan, you need only make low payments to begin with, gradually increasing as you improve your capacity to pay. It provides an easy, painless and manageable way of owning your dream car.
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.
Balloon (50:50) Buy Back Program
Our Balloon Buy-Back programme offers you the flexibility of paying 50% of the car value, with interest on the loan for the remainder to be calculated over 24 or 36 months.
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
Compare Your Benefits
| Benefits | Competition | Feature Packed Auto Loan | Invent in your Auto Loan | Staggered Installment Plan (SIP) |
|---|---|---|---|---|
| Get the best Motor Insurance rates | Yes | Yes | Yes | |
| Online Salik Recharge & RTA fine payment facility | Yes | Yes | Yes | |
| Free Annual Registration renewal at your doorstep | Yes | Yes | Yes | |
| Round the clock Roadside Assistance | Yes | Yes | Yes | |
| Free Credit Card for the first year | Yes | Yes | Yes | |
| Free Bank Account | Yes | Yes | Yes | Yes |
| Down-payment converted into an interest bearing Fixed Deposit | Yes | Yes | ||
| Installments as low as 50% of the standard installment amount in the first initial year and the remaining repayments | Yes | |||
| Competitive Rate | Yes | Yes | Yes | Yes |
*Terms and conditions apply
** Refer to credit card Terms and Conditions for complete details
Required Documents
Find out the Required Documents for Auto Loan Application
- Auto Loan Application
- Identification
- Original Emirates ID and Emirates ID copy
- Valid Passport Copy with valid Resident Visa page
- Salaried Individual
- Latest 3 Months Bank Statement
- Self-Employed Individual
- Latest 3 Months Bank Statement
- Trade License copy
- Memorandum & Articles of Association (AOA)
- Power of Attorney (POA) with borrowing power
- Loan to Minor (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 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:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
- Identification
- Auto Loan Mortgage Release
- Mulkiya Copy (Front and Back)
- Emirates ID
Please Note:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
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.
Staggered Instalment Plan
A new industry standard for low payment auto loans
With this flexible instalment plan, you need only make low payments to begin with, gradually increasing as you improve your capacity to pay. It provides an easy, painless and manageable way of owning your dream car. Features of this loan include:
Find out the Required Documents for Auto Loan Application
- Option of lower instalment for eligible customers in the initial period
- Unique product in the market
*Terms and conditions apply
Required Documents
- Auto Loan Application
- Identification
- Original Emirates ID and Emirates ID copy
- Valid Passport Copy with valid Resident Visa page
- Salaried Individual
- Latest 3 Months Bank Statement
- Self-Employed Individual
- Latest 3 Months Bank Statement
- Trade License copy
- Memorandum & Articles of Association (AOA)
- Power of Attorney (POA) with borrowing power
- Loan to Minor (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 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:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
- Identification
- Auto Loan Mortgage Release
- Mulkiya Copy (Front and Back)
- Emirates ID
Please Note:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
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
Required Documents
Find out the Required Documents for Auto Loan Application
- Auto Loan Application
- Identification
- Original Emirates ID and Emirates ID copy
- Valid Passport Copy with valid Resident Visa page
- Salaried Individual
- Latest 3 Months Bank Statement
- Self-Employed Individual
- Latest 3 Months Bank Statement
- Trade License copy
- Memorandum & Articles of Association (AOA)
- Power of Attorney (POA) with borrowing power
- Loan to Minor (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 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:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
- Identification
- Auto Loan Mortgage Release
- Mulkiya Copy (Front and Back)
- Emirates ID
Please Note:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
Balloon (50:50) Buy Back Program
The flexible auto finance plan that allows you optimum choice
Our Balloon Buy-Back programme offers you the flexibility of paying 50% of the car value, with interest on the loan for the remainder to be calculated over 24 or 36 months.This programme is in collaboration with 'Al Futtaim Motors' and 'Arabian Automobiles Company', for new Toyota vehicles.
The dealers will guarantee to buy back the vehicle from you at a pre-determined value (55% over 24 months, 45% over 36 months) at the end of the contracted period. You can then either pay the remaining 50% through a one-time “balloon” payment or switch into a standard Auto Loan.
Compare Your Benefits
| Benefits | Competition | Feature Packed Auto Loan | Invent in your Auto Loan | Staggered Installment Plan (SIP) |
|---|---|---|---|---|
| Get the best Motor Insurance rates | Yes | Yes | Yes | |
| Online Salik Recharge & RTA fine payment facility | Yes | Yes | Yes | |
| Free Annual Registration renewal service at your doorstep | Yes | Yes | Yes | |
| Round the clock Roadside Assistance | Yes | Yes | Yes | |
| Free Credit Card for the first year | Yes | Yes | Yes | |
| Free Bank Account | Yes | Yes | Yes | Yes |
| Down-payment converted into an interest bearing Fixed Deposit | Yes | Yes | ||
| Installments as low as 50% of the standard installment amount in the first initial year and the remaining repayments | Yes | |||
| Competitive Rate | Yes | Yes | Yes | Yes |
*Terms and conditions apply
Required Documents
Find out the Required Documents for Auto Loan Application
- Auto Loan Application
- Identification
- Original Emirates ID and Emirates ID copy
- Valid Passport Copy with valid Resident Visa page
- Salaried Individual
- Latest 3 Months Bank Statement
- Self-Employed Individual
- Latest 3 Months Bank Statement
- Trade License copy
- Memorandum & Articles of Association (AOA)
- Power of Attorney (POA) with borrowing power
- Loan to Minor (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 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:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
- Identification
- Auto Loan Mortgage Release
- Mulkiya Copy (Front and Back)
- Emirates ID
Please Note:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
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
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