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“Trusted Car Loan Agent in UAE – From Devalokam | uaecarloan.com”

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“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.

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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.

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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

Our Services

 

  1.  •Car loan available for any used car you choose, from any seller.

  2. ​ •Car loan documentation with multiple banks

  3. • Zero down payment car loan arrangement

  4. • We pay the seller first, then arrange the bank car loan

  5. •If you’re facing a problem with the down payment, we can manage it for you.

  6. • Car evaluation assistance

  7. • Car insurance arrangement

  8. • Car registration services

  9. • Car refinance available for owned vehicles

  10. • Mortgage release support from different banks

  11. • Car documentation services for all Emirates

How To start with us

 

  1. Consult with us

  2. Prepare your documents

  3. Find the car you like and do the inspection 

  4. Send all the documents to us

  5. Pay our service charge of 525 AED

  6. Our team will handle every other step for you —

  7. Payment to seller, bank process, transfer, insurance, and registration — we handle everything.

Documents for car loan 
For salaried customer

  1. Salary certificate

  2. 3 months bank statement

  3. passport front and back 

  4. visa 

  5. emirates id 

For company owner or partner

  1. Trade licence 

  2. memorandum 

  3. passport 

  4. visa 

  5. emirates id 

  6. 4 month company statement 

  7. 4 month personal statement 

For company

 

  1. Trade licence 

  2. memorandum 

  3. All partner passport 

  4. All partner visa 

  5. All partners emirates id 

  6. 4 month company statement 

  7. company tc number 

  8. 3 quarter vat certificate 

  9. Office photo 

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:

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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.

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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.

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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 

 

  • “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

  • Company more than 2 years in uae

  • company bank account 

  •  Vat file should be done

  • 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 all the required information clearly and honestly.
We have solutions for everything, but we can help you properly only if all details are fully disclosed. Please do not hide anything to avoid delays or issues.

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  • Any cheque bounce issues

  • Credit card payment delays or problems

  • Any kind of payment problems 

  • Personal loan payment problems

  • Any kind of settlement 

  • any kind of loan re scheduled 

  • Tabby or Tamara payment issues

  • Travel ban or any kind of legal issues

  • Un paid traffic fine 

  • none payable traffic fine 

  • If you have applied a car loan with any bank

  • If you have applied and been rejected for any product

  • “If you are working on a commission basis 

  • if your company doesn't have land phone 

  • if your company located in business center or business set up 

  • if your company have no any proper office 

  • if your age -less than 21

  • if your age more than 55

  • if you are planning to buy imported cars 

  • if you are planning to buy new cars 

  • Salary received in cash ,check or exchange 

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✅ 1. Salary & Employment Details

  • Salary is different from labor contract, salary certificate, or bank credit

  • Salary amounts differ over the last 3 months

  • Salary credited on different dates

  • Salary pending from the company

  • Company does not have a fixed salary transfer date

  • Salary credited twice in a month

  • Salary credited in split amounts

  • Salary credited through exchange then transfer to bank account 

  • Salary may have come to a new bank account

  • Last 4 months Bonus received in account

  • Vacation salary received in account

  • Expecting salary increment

  • Any salary increment in the last 4 months

  • Any salary deduction

  • Planning to resign from the company

  • Already submitted resignation

  • Any reason salary not credited in the last 4 months

  • Any reason salary may not be credited in the next 2 months

  • Joined a new company

  • New in UAE

  • New visa in the company

  • Any long vacation taken in last 4 months

  • Any long vacation planned in next 2 months

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✅ 2. Loans, EMI & Financial Commitments

  • Total credit cards held

  • Total credit card limits

  • Any personal loan monthly installments

  • Tabby or Tamara payment balance

  • Tabby or Tamara EMI

  • Company advance EMI

  • If Any other EMI

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✅ 3. Bank Account & Transaction Behavior

  • Any extra amount credited to bank account

  • Any income apart from salary

  • Unusual or irregular transactions in bank account

  • Immediate withdrawal or transfer after salary credit

  • Not keeping sufficient balance in account

  • Unable to deposit money into bank account.

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✅ 4. Document Expiry

  • Passport near expiry

  • Visa near expiry

  • Emirates ID near expiry

  • Driving licence near expiry

  • if you took salary certificate and if it is more than 30 days 

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✅ 5. Leave & Travel

  • Planning to take leave this month or next month

  • Took long leave in last 4 months

  • Planning to travel outside UAE with in 2 months 

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✅ 6. Company / Office Information

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  • Working in a real estate company

  • Working in a global trading company

  • working in alcoholic, cigarette ,etc selling company 

  • Office or company renovation ongoing

  • Company is in a free zone

  • Company is small (must inform)

  • Fewer employees in the company

  • Company is in a business center

  • No working landline phone

  • Landline diverted to mobile

  • No name board on company

  • No company website

  • Company not registered on Google Maps

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✅ 7. Driving & Age Details

  • Driving license new (less than 1 year)

  • Age less than 30 years

  • New UAE driving license without home country license

  • No driving license

  • Visa and driving license issued from different emirates

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✅ 8. Visa & Sponsorship Details

  • Age less than 21 years or more than 55 years

  • On family/husband/wife sponsor visa

  • Visa from individual sponsor

  • Working in a free zone company

  • Working in a labour supply company

  • Working in an outsource company

  • Visa from Company A but working for Company B (even with same sponsor)

  • visa from company A or spose visa and working for a out source company 

  • Visa from Company A but salary transferred from Company B

  • Any relation with company owner or partner

  • Holding free-lance visa / free-lands visa

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✅ 8. Car and emi wishes 

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  • Planning to buy Gcc used cars

  • Planning to buy a new car

  • Planning to buy imported cars

  • Expecting budget, price, car year/model, and expected EMI

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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

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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.”

Bank-building.webp

Dubai Islamic bank 

Emirates Islamic bank 

Emirates nbd

Ajman bank

Sharjah Islamic bank 

Al hilal bank 

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