I need a car but have no deposit or credit score: what are my options in the UAE? (guide)
Obtaining a car in the UAE without a deposit or formal credit history depends on how providers assess risk and available alternatives. This guide outlines rent-to-own structures, subscription models, employer-linked mobility programmes, and the types of documentation that may still be required. It offers clarity so readers can understand possible pathways without implying guaranteed approval.
Finding a way to drive in the UAE without an established credit score or available deposit opens doors to alternative mobility solutions that have grown increasingly accessible. Traditional car financing typically requires both a credit history and a down payment, but the market has evolved to accommodate residents in varied financial situations. Whether you are new to the country, building your credit profile, or simply prefer flexible arrangements, several pathways can help you get behind the wheel.
Rent-to-own mobility structures
Rent-to-own programmes allow you to use a vehicle while gradually building ownership over time. These arrangements typically involve monthly payments that contribute toward eventual ownership, with no upfront deposit required in many cases. Providers structure these plans to accommodate individuals without credit scores by focusing on employment status and income verification instead. The contract duration usually ranges from 12 to 48 months, after which the vehicle ownership transfers to you. This model suits residents who want to avoid large initial payments while working toward asset ownership. Some providers may include maintenance packages within the monthly fee, reducing unexpected costs. However, the total amount paid over the contract period often exceeds the vehicle’s market value, so careful comparison is essential.
Subscription-based vehicle services
Subscription services offer short- to medium-term vehicle access without ownership commitments. These programmes bundle insurance, maintenance, and registration into a single monthly fee, eliminating the need for deposits or credit checks in many instances. Subscribers can often switch between vehicle models based on availability and preference, providing flexibility that traditional ownership or leasing cannot match. The application process typically requires proof of employment, a valid UAE driving license, and sometimes a security deposit equivalent to one month’s subscription fee. This option works well for professionals on fixed-term contracts or those uncertain about long-term residency. Subscription periods generally range from one month to 12 months, with pricing varying based on vehicle type and included services. While convenient, monthly costs tend to be higher than traditional financing when calculated over extended periods.
Employer-linked car programmes
Many companies in the UAE offer vehicle programmes as part of employee benefit packages, particularly for roles requiring regular travel or client visits. These arrangements may include company-owned vehicles assigned to employees or partnerships with leasing firms that provide vehicles under corporate agreements. Employees benefit from reduced or eliminated deposit requirements, as the employer guarantees the arrangement. Credit scores often become irrelevant in these scenarios, since the company assumes financial responsibility. Some employers structure these as salary deductions spread over the employment period, while others provide vehicles as part of the compensation package without direct cost to the employee. If your employer offers such a programme, it represents one of the most accessible routes to vehicle access without personal financial barriers. However, availability depends entirely on company policy and your role within the organization.
Alternative documentation often requested
When traditional credit scores and deposits are unavailable, providers typically request alternative documentation to assess eligibility. Common requirements include a valid UAE residence visa, Emirates ID, salary certificate or employment contract, and recent bank statements showing regular income deposits. Some providers may ask for post-dated cheques as security, a common practice in the UAE that serves as a guarantee of payment. Passport copies and utility bills proving residence address may also be necessary. International driving permits or home country licenses with official translations can supplement UAE driving licenses for newer residents. Understanding what documentation you can provide helps streamline applications and increases approval chances. Preparing these documents in advance saves time and demonstrates financial responsibility to providers, even without a formal credit history.
| Mobility Option | Provider Examples | Key Features | Estimated Monthly Cost (AED) |
|---|---|---|---|
| Rent-to-own | Cafu, Carasti, Invygo | Ownership transfer after term, no deposit | 1,500 – 3,500 |
| Subscription services | Udrive Subscribe, eZhire Flex | Flexible terms, maintenance included | 2,000 – 4,500 |
| Employer programmes | Company-specific | Corporate guarantee, salary deduction | Varies by employer |
| Short-term rental | Hertz, Budget, Thrifty | Daily/weekly rates, no ownership | 100 – 300 per day |
Prices, rates, or cost estimates mentioned in this article are based on the latest available information but may change over time. Independent research is advised before making financial decisions.
How to compare long-term mobility options
Evaluating different mobility solutions requires looking beyond monthly payments to understand total cost and flexibility. Start by calculating the total amount you will pay over the entire contract period, including any fees, insurance, maintenance, and final buyout costs for rent-to-own schemes. Compare this figure against the market value of similar vehicles to determine whether the arrangement offers reasonable value. Consider your residency plans and employment stability, as longer commitments may not suit those on short-term visas or uncertain job situations. Review contract terms carefully, paying attention to mileage limits, early termination penalties, and responsibilities for damage or wear. Check what services are included, such as registration renewal, roadside assistance, and routine servicing, as these affect overall convenience and cost. Reading reviews and seeking recommendations from other users provides insight into provider reliability and customer service quality. Finally, ensure the provider is licensed and reputable, as the UAE market includes both established companies and newer entrants with varying service standards.
Navigating vehicle access without a deposit or credit score in the UAE is entirely possible through the diverse mobility solutions now available. By understanding the structures, requirements, and costs associated with rent-to-own plans, subscription services, and employer programmes, you can identify the option that best fits your circumstances. Thorough comparison and careful review of contract terms ensure you make a choice that supports your transportation needs without unnecessary financial strain.
