Although Dubai's public transportation system operates quite efficiently, a personal vehicle remains the most convenient and rapid means of navigating the city, particularly during the sweltering summer months. For individuals who cannot afford to purchase a car outright, securing a loan is a viable alternative. Banks within the UAE extend auto or car loans to their clients. Various financial institutions provide a range of loan options, including 'green' auto loans, fixed deposit loans, and fixed rate loans. This guide outlines the process of obtaining auto loans in the UAE, covering eligibility requirements and necessary documentation.

Eligibility criteria can differ between banks, but some standard prerequisites apply. Applicants must be at least 21 years old to qualify for an auto loan. Most banks also stipulate a minimum monthly salary of Dh5,000, which must be substantiated with proof of income. The required documents for loan application include not only those related to the car, such as the driving license, car registration, and valuation certificate, but also personal identification documents like the original Emirates ID, passport, and visa. Additionally, 3-6 months of bank statements, a salary certificate, insurance policy documents, and proof of home address in the home country are necessary.

The duration for loan repayment varies among institutions, with some offering terms up to 5 years and others as short as a few months, contingent on the vehicle's age.