ADIB – Used Car Finance – Murabaha 2024 Features

Minimum Salary

AED 5,000

Monthly Payment

AED 1,780

Flat Rate


Down Payment

20 %

Salary Transfer


Early Settlement Fees


Maximum Term

5 Years

Reducing Rate


ADIB (Abu Dhabi Islamic Bank) offers a tailored solution for financing used cars through the Islamic principle of Murabaha. This unique approach ensures that your vehicle purchase aligns with Sharia principles while providing you with a range of features and benefits.


  1. ADIB’s Murabaha-based financing adheres to Islamic principles, ensuring transparency and fairness in your car purchase.
  2. Benefit from competitive and transparent profit rates that suit your financial needs.
  3. ADIB provides flexibility in financing options, making it easier for you to acquire the used car of your choice.
  4. Experience swift approval processes, enabling you to make a timely purchase without unnecessary delays.
  5. Enjoy a comfortable repayment period that aligns with your financial capabilities.


  1. ADIB ensures that your financing is by Islamic principles, providing peace of mind.
  2. Access financing at competitive rates, enhancing the overall affordability of your used car.
  3. The flexibility in repayment options ensures that your financial commitments align with your budget.
  4. ADIB prioritizes transparency, ensuring that you are fully informed about the terms and conditions of your financing.

Required Documents

To facilitate the Murabaha financing process, you will need to provide the following documents:

  1. Original Passport and Emirates ID
  2. Valid UAE Residence Visa
  3. Employment and Labor Card
  4. Valid Residence Visa
  5. Salary Certificate
  6. Security Cheque

ADIB salary transfer

  • When the salary is below AED 20,000 the rate starts at 3.25% for STL and 3.49% for PDC
  • When the salary is between AED 20,000 to AED 49,999 the rate starts at 2.99% for STL and 3.25% for PDC
  • When the salary is above AED 50,000 the rate starts at 2.79%

Abu Dhabi Commercial Bank
Abu Dhabi Commercial Bank-Islamic
Abu Dhabi Islamic Bank
Ajman Bank
Arab Bank
Commercial Bank International
Commercial Bank of Dubai
Dubai Islamic Bank
Emirates Islamic
Emirates NBD
Finance House
First Abu Dhabi Bank
National Bank of Fujairah
National Bank of Umm Al Qaiwain
Noor Bank
Sharjah Islamic Bank
Standard Chartered Bank
United Arab Bank
simplylife from ADCB


As a leading Islamic bank, ADIB is committed to offering Sharia-compliant solutions that align with ethical and moral standards. The bank's core values revolve around transparency, innovation, and customer satisfaction, making it a trusted choice for those seeking Islamic banking services. ADIB's product portfolio includes various Islamic financial solutions, such as savings accounts, current accounts, home finance, auto finance, personal finance, and business banking services. The bank places a strong emphasis on providing financial products that cater to the diverse needs of its customers while ensuring compliance with Islamic principles.

If you're in the market for a car loan, you're in the right spot. We offer an extensive selection of over 40 diverse car loan options for you to consider. We've carefully assessed criteria such as minimum salary requirements, monthly repayment plans, and the flat rate percentage.