ADCB
Conventional · New & used listed
Potential basic fit
Salaried min AED 5,000Up to 60 months
Public information covers new and pre-owned cars, with finance from AED 10,000 up to AED 1.5 million.
Back to car toolsUnderstand the loan.
UAE car-finance planner
Understand the loan.
Before you sign.
Compare flat-rate and reducing-balance calculations, estimate your debt burden, and check which banks’ published basics appear compatible with a new or used car.
Private by designYour figures stay in this browser and are never submitted.
80%
Maximum general financeof vehicle value under CBUAE rules
60
Maximum loan monthsunder the public car-loan rule
50%
Public DBR ceilingbanks may use stricter internal limits
Transparent calculation
Build your finance scenario.
Use the rate method shown in the bank quotation or Key Facts Statement. Flat and reducing rates are not interchangeable.
01
Vehicle and finance
Enter the proposed purchase details.
New-vehicle bank products will be considered.
AED
%
20% or more normally keeps finance within the 80% limit.%
AED
Enter the total shown by the lender, including applicable tax.AED
Affordability check
Self-employed bank rules are always marked for direct confirmation.
AED
AED
Include personal loans, cards and other regular credit instalments.No names, phone numbers, employer details or identity documents are requested.
Official-product screening
Banks to verify for this scenario.
7 basic potential fits0 require rule confirmation
Commercial Bank of Dubai
Conventional · New & used listed
Potential basic fit
Salaried min AED 8,000Up to 60 months
Public information covers new and used cars, up to 60 months, with an AED 8,000 minimum monthly income.
Dubai Islamic Bank
Islamic · New & used listed
Potential basic fit
Salaried min AED 3,000Up to 60 months
Public information covers new and used cars, with a published minimum salary of AED 3,000 for the standard salaried product.
Emirates Islamic
Islamic · New & used listed
Potential basic fit
Salaried min AED 4,000Up to 60 months
New, certified pre-owned and used finance are presented publicly; rates and used-car acceptance depend on profile and vehicle.
Emirates NBD
Conventional · New & used listed
Potential basic fit
Salaried min AED 7,000Up to 60 monthsUsed cars up to 12 years
Public information covers new and used cars and states that used cars up to 12 years old may be financed.
First Abu Dhabi Bank
Conventional · New & used listed
Potential basic fit
Salaried min AED 7,000Up to 60 months
Public information covers new and pre-owned cars, up to AED 1.5 million or 80% of vehicle value.
RAKBANK
Conventional · New & used listed
Potential basic fit
Salaried min AED 5,000Up to 60 months
Public information covers new and used cars, with a published AED 5,000 minimum income for salaried applicants.
Public product information reviewed 29 August 2026. Banks are displayed by basic-fit status and then alphabetically—not by commission, rate or preference.
Why calculator results differ
Same rate number. Different mathematics.
Flat rate / profit
Interest or profit is calculated on the original financed amount for the full term, then divided equally across the months.
interest = principal × annual rate × yearsReducing-balance APR
Each instalment reduces principal, so later interest is charged on a smaller balance. The standard amortisation formula is used.
payment = P × r × (1+r)ⁿ ÷ ((1+r)ⁿ−1)Why the bank may differ
Deferred first payments, rounded schedules, valuation, financed insurance, fees, promotional structures and the bank’s actual quote can change the result.
official quotation always prevailsCompared with public calculators
One input model, both common methods.
Official calculators use different fields and terminology. This page keeps the mathematics separate so a visitor can reproduce the method stated in a bank quotation.
- ADCB
Public calculator requests vehicle value, down payment, flat interest rate and tenor.
Official calculator - DIB
Public calculator requests finance type, value, term, profit rate and down payment.
Official calculator - Emirates NBD
Public examples distinguish advertised flat rates from reducing-rate equivalents.
Official guidance
Important limits
A planning tool—not financial advice.
Dubai Car Shop is not a bank, broker, financial adviser or loan-comparison intermediary. It does not accept applications, receive commissions, transmit visitor information, promise approval or guarantee the accuracy of third-party product pages.
- Confirm the annual rate method—not only the percentage.
- Request the lender’s Key Facts Statement and full repayment schedule.
- For used cars, confirm valuation, eligible age now and age at loan maturity.
- Compare total repayment and fees, not only the monthly instalment.