UAE car loan calculator (Auto finance)
Calculate UAE car finance monthly payments with flat vs reducing interest rates, Central Bank 20% down payment, and 5-year maximum term. Free.
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About this tool
Calculate vehicle finance repayments in the UAE with bank down payment requirements and term limits.
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
Can I buy a car in UAE with 0% down payment?
No. UAE Central Bank auto loan regulations strictly mandate a minimum 20% down payment on all vehicle financing.
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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