One of the Trusted car loan agent in uae From Devalokam
“We are a trusted car loan agent in the UAE.”
“Once you find your car, let us know — we will take care of everything.”
Our zero down payment car loan service available all over the UAE
If you offer cash to the car seller, the seller will give you a better deal.
For that don't worry, We give you the money first to pay your seller, then arrange a 100% car loan from the bank.
Minimum salary 3000 dhs only
Are you planning to buy a used car in the UAE?
Many buyers face problems like not having a down payment or the seller asking for immediate cash. Sometimes offering cash on the spot can even help you get a better price.
Don’t worry — we can help.
We are authorised car loan agents for used cars, and we arrange 100% car loans from leading banks.
If your seller needs cash immediately, or if you want to offer cash to get a better deal, we can give you the money to pay your seller first, and then process your 100% bank loan.
This system is safe, because the loan still comes directly from the bank — we are not a private finance company.
From buying the car to transferring ownership, preparing bank documents, insurance, and all other steps — our team assists you from start to finish.
A completely hassle-free and safe process.
Our service charges start from just 525 AED.
Buy your used car with confidence!
✔ Find your car from any seller
✔ We pay your seller instantly
✔ We handle the complete documentation with the bank
✔ Zero Down Payment Car Loan from the bank
✔ Registration Done for You
✔ Insurance Arranged Instantly
✔ Trusted and Hassle-Free Used Car Deals
Easy Process
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Consult with us
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Prepare your documents
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Find the car you like
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Pay our service charge of 525 AED
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Send all the documents to us
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Our team will handle every other step for you — payment to seller, bank work, transfer, insurance, and registration.
Our specialty
Once you find your car, send us your and the car’s documents. We check them with our concerned team, then provide immediate funds to pay your seller. After that, we handle your down payment and assist you throughout the entire car loan process — including bank approval, evaluation, insurance, registration, and more — making it completely hassle-free.
who will pay to seller
We pay your seller instantly — that’s our specialty. Once you find your car, our company provides the money to pay your seller, then arranges 100% car loan from the bank. This gives you a better opportunity to buy a good car at a lower price than the market.
Benefits of Our Car Loan Service:
When buying a car, you usually have two options: cash or bank loan. If you have enough cash, there is no issue — you check the car, and if you like it, you buy it. This is exactly the service we provide: if you find a car you like, we give you the money to pay your seller immediately, and then we arrange a 100% car loan from the bank.
Now, looking at the usual process — with a bank loan, a down payment is normally required. Many dealers advertise zero down-payment offers for used cars, but these are usually only for their own cars because they keep high profit margins. Some sellers may even offer damaged cars or cars with tampered mileage. Without a proper solution, you might be forced to buy under unfavorable conditions just because you need a car loan or a zero down-payment option. Even if you find a good car in the market, the seller may ask for cash only, or may agree to a bank loan but still require a down payment — making it difficult or impossible for you to buy.
Sellers also hesitate to wait for bank loan approval because they receive their money only after the car is transferred to the buyer’s name, and after that the bank still needs days to verify documents and release the payment. So private sellers prefer cash buyers. If another cash buyer arrives, they will sell immediately — even if you have already shown interest or we have advanced some money for this car. Advertising a car is expensive, so sellers don’t want to wait for bank finance buyers.
This is where our service helps you:
When you find your car, you can offer immediate cash to the seller. Send your documents to us, and we will provide the funds to pay your seller instantly. After that, we arrange a 100% car loan from the bank.
This allows you to buy the car you want quickly, safely, and without any hassle.
Minimum salary
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“For a car loan, the minimum salary required is only AED 3,000.”
More salary
“If you are getting a higher salary, your interest rate will be better, and you will get opportunities from different banks.”
For-self employed
or company owner or partner
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Company more than 2 years in uae
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company bank account
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Vat file should be done
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Minimum 30 to 50 thousand account Balance (on average )
“For a car loan, an office or company is required.”
For a car loan, your company must have a proper office with a name board, a working landline, no virtual or business-center office, and the location must be visible on Google Maps.
cheque and credit cards bounce
Cheque bounce or credit card problem, settlement very difficult to get approve , stil try to contact us, if any solution we will assist you . if no chance your documents try to arrange documents from your family or your friends circle .
Any more rules
Normally for used car loan basic documents only required , some times we need more documents depend up on your documents for that what you have to do is talk with our agent he will guide you properly .tell your situation always
“Tell us about your situation — we have solutions for getting your loan approved.”
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Please provide information on the following:
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Any cheque bounce issues
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Credit card payment delays or problems
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Any kind of payment problems
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Personal loan payment problems
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Any kind of settlement
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Tabby or Tamara payment issues
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Travel ban or any kind of legal issues
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Un paid traffic fine
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none payable traffic fine
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If you have applied with any bank
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If you have applied and been rejected for any product
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if you are working on real estate company
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“If you are working on a commission basis
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“If your salary is different from your labor contract, salary certificate, or bank credit, please let us know.”
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Total credit cards held
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Total credit card limits
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Any personal loan monthly installments
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Tabby or Tamara payment balance
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tabby or tamara Emi
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company Advance emi
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if any other emi
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Company/Office Information:
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Even if your company or shop is small, it is not a problem — but please inform us
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Fewer employees working in your company
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If your company or office is in a business center
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if your company in freezone
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If you do not have a working landline phone
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Even if your landline is diverted to a mobile number, you must inform us before we start
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No name board on your company
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No website for your company
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Company not registered on Google Maps
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Bank account
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if you cant deposit money on your account
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Salary & Employment Details:
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If salary credited to the account for the last three months shows different amounts
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If salary is credited on different dates
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If salary is pending from the company
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If company docent have proper date to transfer salary
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In a month 2 times salary credited on your account
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if any bonus received on account
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vacation salary came on your account
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salary credited on exchange
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Salary receiving by cash
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Salary may have come to a new bank account
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If you plan to resign from the company
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if any reason last 4 month salary not credit on your account
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if any reason salary will not credit next 2 months
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If you have already submitted your resignation
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Any long vacation taken in the last 4 months
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Any long vacation planned within the next 2 months
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Salary may have come to a new bank account
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Joined a new company
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New in UAE
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if you are new visa in this company
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Driving & Age Details:
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Driving licence new, less than one year
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Age less than 30 years
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licence is new but don't have home country licence
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If you don't have driving licence
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if your visa and driving licence from different emirates
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Visa & Sponsorship Details:
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Your age is less than 21 years or more than 55 years
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If you are on a family sponsor visa/ husband visa /wife visa
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if you are visa from individual spencer
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If you are working in a freezone company
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If you are working in a labour supply company
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If you are working in an outsource company
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You have a visa from Company A and working for Company B (even with the same sponsor)
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You have a visa from Company A but salary is transferred from Company B
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Any relation with company owner or partner for employ
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if you have free lands visa
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Bank Transactions & Account Details:
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Extra amount credited or unusual transaction in your bank account
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Immediate withdrawal or transfer after salary is credited
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if you are not keeping balance on your account
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Documents for car loan
For salaried customer
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Salary certificate
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3 months bank statement
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passport front and back
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visa
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emirates id
For company owner or partner
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Trade licence
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memorandum
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passport
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visa
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emirates id
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4 month company statement
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4 month personal statement
For company
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Trade licence
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memorandum
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All partner passport
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All partner visa
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All partners emirates id
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4 month company statement
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company tc number
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3 quarter vat certificate
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Office photo
Our Service Charge & Commission:
For a 5-year car loan, our service charge is only 525 AED, and we take a small 2% commission because we handle everything for you — initially our company paying your seller same time , paying your down payment, managing bank paperwork, insurance, and registration. You only pay 525 AED
Bank charge
The minimum bank processing fee is 525 AED, but depending on the case, the bank may increase it to 1,000 AED or 1–2% of the loan.
Evaluation
The bank will also ask for an evaluation certificate, which depends on where we arrange it and the car’s value. We will take care of all of this for you.
Bank profit or interest
Car loan interest rates start from 2.75% p.a. and can go up to 6.5%, depending on your documents and the bank’s terms. We will help you choose the best option.
RTA charges
Normally, inspection, transfer, and registration charges apply, and sometimes additional inspections may be needed. Don’t worry — we take care of all of it for you.
Insurance
Insurance will be full value of the applied amount minimum for saloon cars 1600 dhs
less Interest
For a car loan, the minimum salary required is 3,000 AED. Banks do not treat everyone the same — someone earning 10,000 AED and someone earning 3,000 AED will be considered differently. Similarly, working in a small company versus a big company affects bank approval. When you trust us, we will help you find the best option for your situation.
GCC cars only - For car loan Gcc cars only possible
GCC or American
New year manufacturing modal cars- less interest - and Small Emi- ------------Old model cars more interest and more Emi
Car Year
Our Zero downpayment car loan Service all over the uae
Area
“Our Office: Dubai, Al Muhaisnah 4, Madina Mall, 1st Floor.”
Office
“For your convenience and benefit, our company provides the initial payment support. However, the final loan is always arranged through the bank. We are more than just agents or brokers, but we are not a private finance company.”
Bank or private
“With over 18 years of experience and thousands of satisfied customers, we are proud of our strong reputation and excellent Google reviews.”
Trust
Our CAR LOAN PROCEDURE
Make sure you have all your documents ready and in hand.
1-Prepare Your Documents
Find the car you like, inspect it, and finalize your decision.
02-Locate & Inspect
Send us the car’s pictures, the car’s documents, and your documents. including 525 service charge
03-Send Photos & Docs
Next day, our team member will accompany you to pay the seller; we keep the car in our custody.
04- Immediate Payment
We handle bank procedures, insurance, evaluations, down payment, and register the car in your name.
05-Bank & Registration
Once all steps are completed (in 5–7 working days), you’ll be ready to drive your dream car—hassle-free with our agent’s support.
06-Drive & Enjoy
“Initially, we give you the money to pay your seller, and then we arrange the loan for you from these banks.”
Dubai Islamic bank
Emirates Islamic bank
Emirates nbd
Ajman bank
Sharjah Islamic bank
Al hilal bank
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