Why lease-to-own instead of bank financing?
More flexibility, less lock-in
Bank financing requires full settlement before selling. With Share Drive, you can swap or trade in your lease easily.
Easy approvals - no credit check
No banks, no stress. Approvals are quick, even if you're new to the UAE or don’t have a local credit score.
Swap or upgrade anytime
Want to change your car next year? No problem. Switch leases with ease — flexible options for a flexible lifestyle.
Better deals for bulk discounts
Leasing partners get fleet-level discounts — and those lower prices are passed directly to you.
All-in-one convenience
We handle registration, insurance, and servicing. You get courtesy cars during maintenance or breakdowns.
Earn while you drive
Lease through Share Drive and enable car sharing — something private cars can’t do. Earn back your monthly cost.
Built-in protection
Enjoy manufacturer-approved servicing, warranty, and 24/7 support — you won’t get that from private financing.
Community-driven platform
Use our lease exchange marketplace to exit early or transfer your lease to a network of drivers and lessees.
No big upfront cost
Lease-to-own lets you defer large down payments and buy the car later if it fits your long-term needs.
Lease-to-own vs. Bank financing
Features / Benefits
Credit score required
Down payment
Selling / exiting
Car sharing income option
Registration and insurance
Servicing and warranty
Courtesy vehicle during service
Ideal for new UAE residents
Monthly payments
Ownership flexibility
Share-drive lease-to-own
No — Easy approval, even for newcomers
Low or flexible options
Swap or trade-in anytime through Lease Exchange
Yes — Earn by sharing your car
Fully handled by Share Drive
Included — manufacturer approved and covered
Provided during maintenance or breakdowns
Yes — No local history needed
Lower — benefit from fleet pricing
Option to buy, swap, or exit anytime
Traditional bank financing
Yes — Strict requirements
Typically 20%–30% upfront
Full loan settlement required before selling
Not allowed
Customer-managed
Depends on car package
Not included
Often declined without credit history
Higher — based on retail pricing
Locked in for full term
Lease-to-own vs. Bank financing
Credit score required
Share-drive lease-to-own
No — Easy approval, even for newcomers
Traditional bank financing
Yes — Strict requirements
Down payment
Share-drive lease-to-own
Low or flexible options
Traditional bank financing
Typically 20%–30% upfront
Selling / exiting
Share-drive lease-to-own
Swap or trade-in anytime through Lease Exchange
Traditional bank financing
Full loan settlement required before selling
Car sharing income option
Share-drive lease-to-own
Yes — Earn by sharing your car
Traditional bank financing
Not allowed
Registration and insurance
Share-drive lease-to-own
Fully handled by Share Drive
Traditional bank financing
Customer-managed
Servicing and warranty
Share-drive lease-to-own
Included — manufacturer approved and covered
Traditional bank financing
Depends on car package
Courtesy vehicle during service
Share-drive lease-to-own
Provided during maintenance or breakdowns
Traditional bank financing
Not included
Ideal for new UAE residents
Share-drive lease-to-own
Yes — No local history needed
Traditional bank financing
Often declined without credit history
Monthly payments
Share-drive lease-to-own
Lower — benefit from fleet pricing
Traditional bank financing
Higher — based on retail pricing
Ownership flexibility
Share-drive lease-to-own
Option to buy, swap, or exit anytime
Traditional bank financing
Locked in for full term
Lease-to-own deals
Alfa Romeo Stelvio - 2022
Alfa Romeo Giulietta - 2020
Car Sharing Allowed
Audi A5 Sedan - 2025
Car Sharing Allowed
Audi RS5 Sportback - 2025
Car Sharing Allowed
Audi Audi Q8 55 TFSI - 2025
Audi A3-35 TFSI - 2026
Fleet Discounts = Better Value
We pass on bulk savings from leasing companies to you — so you enjoy lower monthly payments and reduced risk.
Every lease-to-own offer is custom-built — so you can often drive a premium model for less than a traditional car loan.
Total Flexibility
Swap your car
mid-term
Cancel after a minimum
period
Purchase at the end — or
walk away
Custom payment terms for
your needs
Quick Approval with,
Emirates ID
Passport
Driver’s License
2 – 3 Month Refundable
Deposit (most cars)
Save More with Pre-payment
Want to reduce your total cost?
Prepay part of your lease or Buy-Back Value and receive up to 15% off.
Talk to our team about the best
way to maximize savings.
Build Your Lease-To-Own Deal
Tell us which car you’d like to own and we’ll build a deal for you.
800 3528
