Lease to Own – Milele Car Rental
Lease to Own Programme

Stop Renting.
Start Owning.

Pick a Car. Pay a fixed monthly fee. Own the car at the end of the term.

Lease to Own Car
Our fleet
550+ Vehicles
Hatchbacks to luxury SUVs
Bank approval
Not Required
Simple in-house approval
Insurance
Included
Comprehensive coverage
Ownership transfer
Full Title
100% yours at end of term

Own your car in five simple steps

We've made the path to ownership as straightforward as possible — no complicated paperwork, no surprises.

01

Choose Your Car

Browse our fleet and pick the vehicle that suits your lifestyle and budget.

02

Set Your Term

Use the EMI calculator to select your preferred payment term and see your monthly cost.

03

Submit Documents

Provide your Emirates ID, driving licence, and residency documents for quick verification.

04

Confirm Your Booking

Pay the processing fee or down payment to secure your car and lock in your plan.

05

Complete & Own

Make your final payment and the car transfers fully to your name.

A Different Kind of Approval

We run our own independent assessment — structured, transparent, and built around your actual financial picture.

What we don't require
Salary transfer to a specific bank
A specific bank account
Minimum employment tenure
Bank underwriting approval
What we do assess
AECB credit report
3 months bank statements
Proof of income
Income-to-EMI ratio check

New UAE Residents

Just arrived? We assess your income and credit profile, not how long you've been in the country.

Business Owners

Self-employed or running a business? We assess your income to EMI ratio, not just a monthly salary slip.

Bank Finance Declined

Bank said no? Our assessment uses different criteria. A separate process, not a shortcut.

Faster Decisions

Our assessment is done in house, which means quicker answers without the delays of traditional bank approvals.

Calculate your monthly plan

Enter the estimated car price, set your lease term and down payment to see your monthly figure instantly.

Included Comprehensive insurance, registration, annual passing
Not Included Salik, traffic fines, damage beyond fair wear and tear, fuel, service and regular maintenance

Estimates are indicative. Final pricing is subject to vehicle availability, credit assessment, and any applicable promotions.

Estimated car price
AED
Model year
Lease duration
Down payment AED 25,000
0%20%40%60%80%
Monthly payment
AED
2,781
Finance instalment
Insurance & registration
VAT (5%)
Down payment (inc. VAT)
Total payable (inc. VAT)
View Fleet Offers

Are you eligible?

Here's what you'll need to get started. Not sure if you qualify? Talk to our team on WhatsApp.

Emirates ID

Front and back copy required. Must be valid at the time of application.

UAE Driving Licence (1+ year)

Must have been issued at least 1 year prior to your application date.

Residence Visa

A valid UAE residence visa, active for the duration of your plan term.

Proof of Income

Salary certificate, employment letter, or trade licence accepted.

3 Months Bank Statements

Your most recent 3 consecutive months, used to assess your income-to-EMI ratio.

SUV Lease
Customer satisfaction
4.9★
728 verified reviews
Vehicles leased
2,400+
Successful handovers

Got questions?
We've got answers.

Everything you need to know about our Lease to Own programme. Still unsure? Chat with our team on WhatsApp.

What is the difference between Lease to Own and a regular rental?

A standard rental is a short-term arrangement with no path to ownership. Lease to Own is a structured programme where your monthly payments contribute toward owning the vehicle outright at the end of the agreed term. It's a smarter long-term option for anyone planning to drive the same car for a year or more.

Do I need a large down payment to get started?

No. We offer a zero-deposit option on select vehicles and plans. A down payment can reduce your monthly payments, but it is entirely optional. Our advisors will walk you through the best configuration for your situation.

What happens at the end of the lease term?

At the end of your agreed term, full legal ownership of the vehicle transfers to you. We handle all the paperwork to ensure a smooth title transfer. The car is yours — free and clear.

Can I exit the plan early if my circumstances change?

Yes. Our plans include flexible early exit provisions after a minimum commitment period. Applicable terms will be outlined in your agreement. We understand life changes — our aim is always to find a fair solution.

Is maintenance covered during the lease?

Scheduled servicing is included in Standard and Extended plans. Comprehensive insurance is included across all plans. Wear and tear outside of normal use may incur additional charges, which will be clearly outlined before you sign.

How long does the approval process take?

For most applicants with complete documents, approval is same-day. Vehicle delivery or collection can happen within 24 hours of approval. We've designed the process to be as fast as possible without compromising on checks.

Ready to get started?

Your car.
Your terms.
Your ownership.

Speak with one of our Lease to Own advisors today and get a personalised plan ready within hours.

Chat on WhatsApp