Used Car

Pre-owned Car Loan


  • Competitive interest rates starting from 5.49% p.a on flat basis (reducing balance 10.1%)
  • High loan amounts
  • Easy processing

You’ve spent hours researching different makes and test driving models and, finally, you’ve found the vehicle that’s just right for you. 

Now, get ready to drive away in it, thanks to UNB’ Pre-owned Car Loan. We’ve structured this loan especially for purchasers of pre-owned cars, keeping an eye to affordability. The result? A competitively priced loan that’s tailored to your exact needs. 

All that’s left to do now is put your personal stamp on your ‘new’ car.

Fees and Tariffs

Loan processing fee  
1% of loan amount (min AED 500 - max AED 2,500)  
Early settlement charges  
1% of remaining balance  
Partial settlement fee  
1% of amount paid  
Instalment postponement charges  
AED 100 per deferment  


Applicants must be:

  • A UAE national of at least 21 years of age or under 65 years old or an expatriate of at least 21 years of age or under 60 years old
  • Earning at least AED 5,000/month* if you have your salary paid into a UNB account
  • Earning at least AED 8,000/month* if you have your salary paid into an account at another bank

Terms & Conditions

Terms & conditions apply

Terms & conditions apply.

The bank reserves the right to change the interest rates, fees & tariffs, charges and terms & conditions at its own discretion, without any prior notice.