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Check Your Car Finance Eligibility with Linda Cars
We make car buying easy and stress-free, including financing. Explore answers to common questions about buying and financing a car in the UAE.
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Used Car Finance in Dubai
If you’re exploring used car finance in Dubai, we guide you through what to know before choosing your next car. We offer car finance in Dubai via trusted partner banks, and our team takes care of banks and RTA paperwork to keep everything straightforward and stress-free.
Estimate your monthly EMI (Equated Monthly Installment), learn what affects approval, and review your options for used cars on finance with a simple, step-by-step process from car selection to final handover.
Required Documents for Car Loan
We make your car financing simple and transparent.
General Documents
- Passport copy
- Emirates ID
- Visa page
- Consent Forms 1 & 2 (AECB Forms)
For Salaried Customers
- Last 3 months' bank statements
- Last 3 months' payslips
- Salary certificate from your employer
For Self-Employed Customers
- Trade License
- Memorandum of Association (MoA)
- Power of Attorney (PoA) for the Authorized Signatory
- VAT Certificate
- Last 6 months' bank statements
Our trusted financing partners
How to Qualify for Zero Down Payment
- Pay part of your down payment by credit card.
- We work with partner banks to help you finance the full car amount.
- Our finance team will share the best options based on your profile.
Frequently Asked Question
Can you help me settle my existing car loan?
Yes, we can! Our finance team can help you quickly close your current loan so you can upgrade to your next car without any hassle.
Can you deliver the car to my home?
Absolutely! We offer door-to-door delivery anywhere in the UAE.
Who handles all the paperwork with banks and RTA?
We do! Our team takes care of all the paperwork and processes with banks and the RTA so you don’t have to worry about a thing.
Can I test drive the car before buying?
Yes, definitely. You can book a test drive online or visit our Dubai showroom to try out the car yourself.
Do your cars come with a warranty?
Yes! All our cars come with warranty options, and we also offer extended warranty and service contracts for added peace of mind.
How long does car finance approval take?
Usually between 2 to 5 working days, depending on the bank and your documents.
What is in-house finance?
It’s a flexible option that lets you get a car without a bank loan. You pay a deposit, lease the car for up to 4 years and in the end, the car is yours.
Can I trade in my current car?
Yes! Just bring your car to our showroom. We’ll inspect it for free and give you an instant trade-in offer.
What documents do I need to apply for finance?
To apply for a loan, you’ll need: Emirates ID Passport & visa copy, UAE driving license, Salary certificate, Last 3 months of bank statements
Who is eligible for zero down payment?
Eligibility for 0% down payment depends on your bank’s approval and credit profile. Speak to our team and we’ll help you check if you qualify.
Can I get a loan if I already have one?
Yes, you can still apply. But the maximum loan amount you can get will depend on your current monthly loan payments. You can use our calculator or ask our team to check for you.
Can someone else apply for the loan on my behalf?
Yes. If you don’t meet the loan criteria, an immediate family member (like a parent, spouse, or sibling) can apply for the loan in their name for your car.
What is the interest rate on the loan?
The interest rate is what the bank charges for borrowing money. It’s calculated on the full loan amount over the entire loan period and not just on the remaining balance. Rates vary by bank, loan type (auto vs personal), and your profile. Our team will guide you to the best rate available.
What’s the minimum salary required to get a car loan?
Most banks require a minimum monthly salary of AED 5,000. It may vary if you're salaried, self-employed, or with a specific bank.