UAE car loan calculator
Calculate UAE vehicle finance monthly payments, flat vs reducing rates, Central Bank 20% down payment rules and maximum 5-year loan tenure.
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Paid directly to dealership
Financed sum
Deposit + loan repayments
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Popular uses
About this tool
Calculate monthly vehicle finance installments in the UAE. Accounts for the Central Bank mandated 20% minimum down payment, maximum 60-month (5-year) loan tenure, and converts dealership flat interest rates into true reducing borrowing costs.
How to use it
- 1 Enter the vehicle purchase price in AED.
- 2 Specify your cash down payment percentage (minimum 20% required by Central Bank).
- 3 Enter the annual interest rate and select flat rate or reducing rate structure.
- 4 Select loan tenure from 12 to 60 months (maximum 5 years).
- 5 Review your monthly installment, total finance interest, and total cost of vehicle ownership.
Questions
What is the difference between flat and reducing auto rates in the UAE?
Dealerships often quote flat rates (e.g. 3.5%), which charge interest on the original loan balance throughout the term. A 3.5% flat rate is approximately equal to a 6.5% reducing rate.
What is the maximum auto loan term in the UAE?
Under UAE Central Bank auto financing rules, the maximum repayment term for a car loan is 5 years (60 months).
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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